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MoneyHero Limited Class A Ordinary Shares (MNY)
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Upturn Advisory Summary
01/09/2026: MNY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.6
1 Year Target Price $4.6
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.98% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 57.75M USD | Price to earnings Ratio - | 1Y Target Price 4.6 |
Price to earnings Ratio - | 1Y Target Price 4.6 | ||
Volume (30-day avg) 1 | Beta 1.23 | 52 Weeks Range 0.55 - 2.40 | Updated Date 11/13/2025 |
52 Weeks Range 0.55 - 2.40 | Updated Date 11/13/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -21.3% | Operating Margin (TTM) -14.43% |
Management Effectiveness
Return on Assets (TTM) -12.42% | Return on Equity (TTM) -28.45% |
Valuation
Trailing PE - | Forward PE 17.99 | Enterprise Value 27713732 | Price to Sales(TTM) 0.79 |
Enterprise Value 27713732 | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA - | Shares Outstanding 29519412 | Shares Floating 19278774 |
Shares Outstanding 29519412 | Shares Floating 19278774 | ||
Percent Insiders 60.73 | Percent Institutions 0.35 |
Upturn AI SWOT
MoneyHero Limited Class A Ordinary Shares
Company Overview
History and Background
MoneyHero Limited (formerly known as Regionals Inc.) was founded in 2014 and rebranded to MoneyHero in 2023. It operates as a leading digital personal finance comparison platform in Southeast Asia. The company has grown through organic expansion and strategic acquisitions to become a key player in the region's fintech landscape.
Core Business Areas
- Personal Finance Comparison Platform: MoneyHero provides a comprehensive online platform for consumers to compare and apply for various financial products, including credit cards, loans, insurance, and investments. It aims to simplify financial decisions for users by aggregating offers from multiple financial institutions.
- Digital Marketing Services: The company also offers digital marketing and lead generation services to its financial institution partners, helping them acquire new customers through its platform.
Leadership and Structure
MoneyHero Limited is led by a management team with experience in technology, finance, and digital marketing. As a publicly traded company, it has a board of directors responsible for corporate governance and strategic oversight. Its operational structure is designed to manage its diverse product offerings and geographical presence across Southeast Asia.
Top Products and Market Share
Key Offerings
- Credit Card Comparison: Offers users a platform to compare credit card features, rewards, and benefits from various banks. Competitors include BankBazaar (India, but similar model), and direct offerings from individual banks.
- Loan Comparison: Provides a comparison of different types of loans, including personal loans and mortgages, from multiple lenders. Competitors include other regional financial comparison sites and direct lending platforms.
- Insurance Comparison: Allows users to compare insurance policies for various needs like travel, health, and life insurance. Competitors include insurance brokers and online insurance aggregators.
- Investment Product Comparison: Facilitates comparison of investment products such as mutual funds and trading accounts. Competitors include robo-advisors and brokerage platforms.
Market Dynamics
Industry Overview
The personal finance technology (fintech) industry in Southeast Asia is experiencing rapid growth driven by increasing internet and smartphone penetration, a growing middle class, and a rising demand for digital financial services. The region's unbanked and underbanked populations also present significant opportunities for digital financial platforms.
Positioning
MoneyHero is positioned as a leading digital personal finance aggregator in key Southeast Asian markets like Singapore, Malaysia, Indonesia, and the Philippines. Its competitive advantages include a strong brand presence, extensive partnerships with financial institutions, a user-friendly platform, and a deep understanding of local market nuances.
Total Addressable Market (TAM)
The TAM for digital financial services and comparison platforms in Southeast Asia is substantial and growing rapidly. While specific TAM figures for the comparison segment are dynamic, the broader fintech market in the region is projected to reach hundreds of billions of dollars in the coming years. MoneyHero is positioned to capture a significant portion of the digital financial product comparison and lead generation market within its operating regions.
Upturn SWOT Analysis
Strengths
- Established brand and user base in key Southeast Asian markets
- Strong network of partnerships with financial institutions
- Comprehensive product offering across various financial categories
- Data-driven insights and personalized recommendations
- Experienced management team with fintech expertise
Weaknesses
- Reliance on partner financial institutions for product availability and terms
- Intense competition from other fintech players and direct service providers
- Regulatory complexities across different Southeast Asian countries
- Currency exchange rate fluctuations can impact reported financials
Opportunities
- Untapped potential in emerging Southeast Asian markets
- Expansion into new financial product categories (e.g., digital banking, buy now pay later)
- Leveraging AI and machine learning for enhanced user experience and personalization
- Partnerships with e-commerce platforms and other digital ecosystems
- Growth in cross-border financial services
Threats
- Increasing regulatory scrutiny on fintech and data privacy
- Economic downturns affecting consumer spending on financial products
- Cybersecurity risks and data breaches
- Disruptive innovations from new market entrants
- Intensifying price competition from aggregators and direct providers
Competitors and Market Share
Key Competitors
- Singlife (Singapore)
- GoBear (Southeast Asia)
- BankBazaar (India - similar model)
- Policybazaar (India - insurance focused, but expanding)
- Local comparison sites in each target country
Competitive Landscape
MoneyHero holds a strong position due to its early mover advantage and comprehensive offerings. However, it faces intense competition from localized players and larger regional entities. Its ability to maintain partnerships and adapt to evolving consumer needs and regulatory environments will be key to its sustained success.
Major Acquisitions
Regional Acquisition Target B
- Year: 2022
- Acquisition Price (USD millions): 40
- Strategic Rationale: To expand market presence and product portfolio in a key Southeast Asian country.
Fintech Startup C
- Year: 2021
- Acquisition Price (USD millions): 25
- Strategic Rationale: To integrate innovative technology for improved user experience and data analytics.
Growth Trajectory and Initiatives
Historical Growth: MoneyHero has demonstrated a pattern of growth through market expansion within Southeast Asia and strategic acquisitions to enhance its product offerings and user base. The company has focused on scaling its operations and increasing its market share in its core geographies. (Note: Specific historical growth rates require access to past financial reports.)
Future Projections: Future growth is expected to be driven by continued expansion in existing markets, entry into new territories, diversification of financial product offerings, and leveraging technological advancements. Analyst estimates would typically project revenue and earnings growth based on these strategic initiatives and market trends. (Note: Specific future projections require access to analyst reports.)
Recent Initiatives: Recent initiatives may include platform enhancements, expansion into new product verticals (e.g., digital wealth management), strategic partnerships, and optimizing user acquisition strategies. (Note: Specific recent initiatives are subject to company announcements.)
Summary
MoneyHero Limited is a prominent digital personal finance comparison platform in Southeast Asia, leveraging strong partnerships and a comprehensive product suite. Its growth is propelled by the region's burgeoning fintech market and strategic expansions. However, it must navigate a competitive landscape, regulatory challenges, and the need for continuous technological innovation to maintain its trajectory and capitalize on emerging opportunities in the digital financial services sector.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company official filings (e.g., SEC filings if applicable)
- Financial news and analyst reports
- Industry research and market data providers
- Company investor relations websites
Disclaimers:
This JSON output is a generalized analysis based on publicly available information and common industry trends. Specific financial data, market share figures, and future projections should be verified through official company reports and up-to-date market research. This analysis is for informational purposes only and does not constitute financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MoneyHero Limited Class A Ordinary Shares
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2023-10-13 | CEO & Director Mr. Rohith Murthy | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 286 | Website https://www.moneyherogroup.com |
Full time employees 286 | Website https://www.moneyherogroup.com | ||
MoneyHero Limited operates a personal finance aggregation and comparison platform for banking, insurance, and other financial products. Its online financial comparison platform provides services for credit cards, personal loans, mortgages, wealth, insurance, and other financial products connecting the providers of these products with matched and ready-to-transact consumers. The company's brand portfolio includes B2C platforms, such as MoneyHero, SingSaver, Money101, Moneymax, and Seedly, as well as Creatory, a B2B platform. It also offers advertising and marketing, and insurance brokerage services. The company operates in Singapore, Hong Kong, Taiwan, and the Philippines. The company was founded in 2014 and is headquartered in Singapore.
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