Communication Services · Internet Content & Information
Price
$0.83
Market Cap
$36.6M
Employees
286
Beta
1.18
Avg Volume
40,036
CEO
Ka Yip Leung
Business Description
MoneyHero Limited, a personal finance firm, was established in 2014 and operates from its main office in Singapore.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
-6.92
Stock Price: $0.83
EPS (Diluted): -0.12
EPS (Diluted): -0.12
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.37
Stock Price: $0.83
Total Equity: $39.41M
Shares: 42,810,568
Total Equity: $39.41M
Shares: 42,810,568
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
-1.88
Market Cap: $36.59M
Total Debt: $702,287
Cash: $12.25M
EBITDA: -$4.07M
Total Debt: $702,287
Cash: $12.25M
EBITDA: -$4.07M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$42.6M
Market Cap: $36.59M
Total Debt: $702,287
Cash: $12.25M
Total Debt: $702,287
Cash: $12.25M
P/S Ratio (Price per dollar of revenue)
APIStock Price / Revenue Per Share
0.73
Stock Price: $0.83
Revenue: $73.43M
Shares: 42,810,568
Revenue: $73.43M
Shares: 42,810,568
EV/Sales (Total value vs revenue — works when P/E can't)
API0.58
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
49.2%
Gross Profit: $36.14M
Revenue: $73.43M
Revenue: $73.43M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
-14.7%
Operating Income: -$10.81M
Revenue: $73.43M
Revenue: $73.43M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
-7.1%
Net Income: -$5.18M
Revenue: $73.43M
Revenue: $73.43M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
-24.4%
Net Income: -$5.18M
Total Equity: $39.41M
Total Equity: $39.41M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
-25.9%
Operating Income: -$10.81M
Tax Rate: -0.8%
Equity: $39.41M
Total Debt: $702,287
Cash: $12.25M
Tax Rate: -0.8%
Equity: $39.41M
Total Debt: $702,287
Cash: $12.25M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
2.02
Current Assets: $74.31M
Current Liabilities: $36.81M
Current Liabilities: $36.81M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.02
Short-Term Debt: $702,287
Long-Term Debt: $0.00
Total Debt: $702,287
Total Equity: $39.41M
Long-Term Debt: $0.00
Total Debt: $702,287
Total Equity: $39.41M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$1.72
Revenue: $73.43M
Shares: 42,810,568
Shares: 42,810,568
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$0.92
Total Equity: $39.41M
Shares: 42,810,568
Shares: 42,810,568
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-0.24
Operating CF: -$10.25M
CapEx: -$122,640
Shares: 42,810,568
CapEx: -$122,640
Shares: 42,810,568
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $0.83
Stock Price: $0.83
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: -$5.18M
Net Income: -$5.18M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares MNY against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 25, 2026 4:08pm (1d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $61.9M | $68.1M | $80.7M | $79.5M | $73.4M |
| Cost of Revenue | $29.9M | $33.9M | $43.9M | $50.2M | $37.3M |
| Gross Profit | $32.0M | $-38,871 | $36.7M | $29.3M | $36.1M |
| Operating Expenses | $61.2M | $40.9M | $66.8M | $64.7M | $47.0M |
| Operating Income | -$29.2M | -$41.0M | -$30.0M | -$40.2M | -$10.8M |
| Net Income | -$30.9M | -$49.4M | -$172.6M | -$37.8M | -$5.2M |
| EBITDA | -$25.4M | -$37.1M | -$146.3M | -$33.6M | -$4.1M |
| EPS | $-0.42 | $-1.33 | $-5.13 | $-0.90 | $-0.12 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 25, 2026 4:08pm (1d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $156,127 | $24.1M | $68.6M | $42.5M | $12.3M |
| Total Current Assets | $712,794 | $48.6M | $106.9M | $77.2M | $74.3M |
| Total Assets | $596.2M | $64.3M | $115.0M | $79.8M | $76.6M |
| Current Liabilities | $3.9M | $39.0M | $35.7M | $31.0M | $36.8M |
| Long-Term Debt | $0 | $8.7M | $0 | $0 | $0 |
| Total Liabilities | $45.3M | $48.4M | $36.0M | $31.5M | $37.2M |
| Total Equity | $550.8M | $15.8M | $79.1M | $48.2M | $39.4M |
| Retained Earnings | -$44.2M | -$165.8M | -$338.4M | -$376.2M | $0 |
Cash Flow (Annual)
Last updated: Jun 25, 2026 4:08pm (1d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$14.4M | -$14.6M | -$17.0M | -$24.9M | -$10.2M |
| Capital Expenditure | -$5.4M | -$5.0M | -$2.2M | -$1.7M | $-122,640 |
| Free Cash Flow | -$19.8M | -$19.6M | -$19.3M | -$26.6M | -$10.4M |
| Acquisitions (net) | $0 | $9,002 | $0 | $0 | $5,109 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$8.4M | $14.9M | $44.6M | -$26.1M | -$10.6M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 5:32am (3h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$77.4M $77.4M – $77.4M
|
$89.8M $89.8M – $89.8M
|
$104.4M $104.4M – $104.4M
|
$107.8M $107.8M – $107.8M
|
| EBITDA |
-$37.6M -$37.6M – -$37.6M
|
-$43.7M -$43.7M – -$43.7M
|
-$50.8M -$50.8M – -$50.8M
|
-$52.5M -$52.5M – -$52.5M
|
| Net Income |
-$5.6M -$5.6M – -$5.6M
|
$-856,211 $-856,211 – $-856,211
|
$3.9M $3.9M – $3.9M
|
$0 |
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 25, 2026 4:08pm (1d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +10.1% | +18.4% | -1.4% | -7.7% |
| Gross Profit Growth | -100.1% | +94,620.6% | -20.3% | +23.4% |
| Operating Income Growth | -40.2% | +26.7% | -33.9% | +73.1% |
| Net Income Growth | -59.8% | -249.1% | +78.1% | +86.3% |
| EBITDA Growth | -46.3% | -294.4% | +77.0% | +87.9% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 5:32am (3h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-19 | Thong Hei Wa Jacqueline | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Wang Daniel Hua-chang | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Leung Ka Yip Danny | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Fong Yan Kit Derek | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Pai Wallace Nung | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Chan Kin Kenneth | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Syz Marc Oliver Christopher | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Murthy Rohith | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Murthy Rohith | 194,085.00 | $0.00 | $58 | |
| 2026-03-18 | Murthy Rohith | 6,965.00 | $0.00 | $0 | |
| 2026-03-18 | Murthy Rohith | 2,321.00 | $0.00 | $0 | |
| 2026-03-18 | Murthy Rohith | 2,321.00 | $0.00 | $0 | |
| 2026-03-18 | Lee Kam Yee Susanna | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Thakur Shravan | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Teichman Steven | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Teichman Steven | 594,946.00 | $0.00 | $0 | |
| 2004-07-08 | PFEIFFER JANE C | D-Return | 528.00 | $0.00 | $0 |
| 2004-07-08 | PFEIFFER JANE C | D-Return | 5,000.00 | $29.70 | $148,500 |
| 2004-07-08 | PFEIFFER JANE C | D-Return | 2,460.00 | $31.00 | $76,260 |
| 2004-07-08 | THOMAS DAVID M | D-Return | 390.00 | $0.00 | $0 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for MNY — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30