NASDAQ : MNY
MoneyHero Limited — Financial statements
Communication Services · Internet Content & Information · Singapore
Last price 0.54 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 23.99M
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Financial statements
MoneyHero Limited (MNY) reported revenue of 73.36M USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Revenue | 73.36M | 73.43M | 79.51M | 80.67M | 68.13M | 61.88M |
| Cost of Revenue | 52.98M | 53.16M | 70.33M | 68.86M | 68.17M | 59.43M |
| Gross Profit | 20.38M | 20.27M | 9.18M | 11.81M | -38.87K | 2.45M |
| Selling, General & Admin | 28.85M | 29.57M | 40.05M | 39.39M | 31.05M | 28.68M |
| Operating Expenses | 28.85M | 29.57M | 40.05M | 106.41M | 31.05M | 28.68M |
| Operating Income | -8.47M | -9.31M | -30.87M | -94.60M | -31.09M | -26.24M |
| Interest Expense | -49.63K | -53.63K | -23.70K | -19.02M | -7.80M | -1.70M |
| Interest & Investment Income | 581.77K | 581.77K | 1.48M | 872.50K | 28.04K | 14.73K |
| Currency Exchange Gain (Loss) | -1.59M | 4.82M | -4.78M | 656.61K | -4.05M | -2.99M |
| Other Non Operating Income (Expenses) | 179.88K | 328.88K | 451.49K | -57.34M | -1.09M | -55.73K |
| EBT Excluding Unusual Items | -9.35M | -3.63M | -33.74M | -169.44M | -44.00M | -30.97M |
| Impairment of Goodwill | -4.38M | |||||
| Gain (Loss) on Sale of Assets | 1.44K | 1.44K | 607.07K | 3.69K | 4.54K | 542.00 |
| Asset Writedown | -1.51M | -1.51M | -4.54M | -3.11M | -1.45M | |
| Other Unusual Items | 135.03K | |||||
| Pretax Income | -10.85M | -5.14M | -37.68M | -172.54M | -49.69M | -30.97M |
| Income Tax Expense | 39.41K | 40.41K | 108.93K | 62.98K | -251.78K | -38.17K |
| Net Income | -10.89M | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M |
| Net Income to Common | -10.89M | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M |
| Shares Outstanding (Basic) | 42.56M | 42.81M | 40.40M | 9.63M | 482.69K | 215.98K |
| Shares Outstanding (Diluted) | 42.56M | 42.81M | 40.40M | 9.63M | 482.69K | 215.98K |
| EPS (Basic) | -0.26 | -0.12 | -0.94 | -17.92 | -102.43 | -143.21 |
| EPS (Diluted) | -0.26 | -0.12 | -0.94 | -17.92 | -102.43 | -143.21 |
| Free Cash Flow | -10.37M | -25.23M | -17.16M | -14.86M | -14.67M | |
| Free Cash Flow Per Share | -0.24 | -0.62 | -1.78 | -30.80 | -67.91 | |
| Gross Margin | 27.78% | 27.60% | 11.55% | 14.64% | -0.06% | 3.96% |
| Operating Margin | -11.54% | -12.67% | -38.82% | -117.27% | -45.63% | -42.40% |
| Profit Margin | -14.85% | -7.05% | -47.52% | -213.96% | -72.57% | -49.98% |
| Free Cash Flow Margin | -14.12% | -31.73% | -21.27% | -21.82% | -23.70% | |
| EBITDA | -8.48M | -9.14M | -30.56M | -94.39M | -30.57M | -23.12M |
| EBITDA Margin | -11.56% | -12.45% | -38.43% | -117.00% | -44.87% | -37.36% |
| D&A For EBITDA | -11.14K | 165.85K | 309.03K | 218.47K | 515.64K | 3.12M |
| EBIT | -8.47M | -9.31M | -30.87M | -94.60M | -31.09M | -26.24M |
| EBIT Margin | -11.54% | -12.67% | -38.82% | -117.27% | -45.63% | -42.40% |
| Advertising Expenses | 17.33M | 21.62M | 16.24M | 16.47M | 15.62M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 28.16M | 31.19M | 42.52M | 68.64M | 24.08M | 9.19M |
| Short-Term Investments | 1.53M | 1.30M | 1.47M | 1.11M | 1.61M | |
| Cash & Short-Term Investments | 28.16M | 32.71M | 43.83M | 70.11M | 25.19M | 10.80M |
| Accounts Receivable | 30.61M | 36.64M | 25.36M | 33.26M | 20.82M | 23.99M |
| Other Receivables | 42.00K | 42.82K | 63.05K | 388.00 | 22.39K | 33.38K |
| Receivables | 30.65M | 36.69M | 25.43M | 33.26M | 20.85M | 24.03M |
| Inventory | 974.79K | |||||
| Prepaid Expenses | 6.84M | 3.75M | 8.85M | 3.39M | 2.41M | 1.87M |
| Other Current Assets | 145.00K | 185.15K | 185.34K | 188.75K | 195.88K | 185.11K |
| Total Current Assets | 65.80M | 74.31M | 78.28M | 106.95M | 48.64M | 36.88M |
| Property, Plant & Equipment | 921.00K | 1.11M | 958.32K | 780.21K | 1.07M | 839.95K |
| Long-Term Investments | 473.00K | 544.00K | 600.00K | |||
| Goodwill | 4.34M | |||||
| Other Intangible Assets | 1.67M | |||||
| Long-Term Deferred Charges | 774.00K | 625.86K | 1.02M | 7.29M | 14.41M | 12.91M |
| Other Long-Term Assets | 34.00K | 58.20K | 24.61K | 26.07K | 128.93K | 3.33K |
| Total Assets | 68.00M | 76.65M | 80.88M | 115.05M | 64.25M | 56.65M |
| Accounts Payable | 31.55M | 34.30M | 29.21M | 31.91M | 16.65M | 16.17M |
| Accrued Expenses | 4.14M | 4.29M | ||||
| Short-Term Debt | 16.57M | |||||
| Current Portion of Leases | 400.00K | 702.29K | 441.88K | 574.63K | 492.74K | 482.60K |
| Current Income Taxes Payable | 2.00K | 1.96K | 32.07K | |||
| Current Unearned Revenue | 633.78K | 1.00M | 1.31M | 301.99K | 568.35K | |
| Other Current Liabilities | 1.23M | 1.17M | 1.46M | 1.91M | 17.42M | 4.89M |
| Total Current Liabilities | 33.18M | 36.81M | 32.15M | 35.71M | 39.01M | 42.97M |
| Long-Term Debt | 8.75M | |||||
| Long-Term Leases | 158.00K | 239.68K | 293.67K | 31.43K | 292.95K | 4.08K |
| Pension & Post-Retirement Benefits | 145.00K | 141.49K | 185.27K | 194.26K | 208.70K | 5.16M |
| Long-Term Deferred Tax Liabilities | 43.00K | 39.31K | 29.86K | 29.27K | 35.54K | 296.54K |
| Other Long-Term Liabilities | 136.28K | 115.53K | ||||
| Total Liabilities | 33.52M | 37.23M | 32.66M | 35.96M | 48.43M | 48.55M |
| Common Stock | 5.00K | 4.59K | 4.36K | 4.20K | 2.02K | 265.00 |
| Additional Paid-In Capital | 372.03M | 369.28M | 368.19M | 148.11M | 108.52M | |
| Retained Earnings | -381.39M | -376.21M | -338.42M | -165.82M | -116.38M | |
| Comprehensive Income & Other | 34.47M | 48.76M | 55.16M | 49.31M | 33.53M | 15.97M |
| Shareholders' Equity | 34.47M | 39.41M | 48.23M | 79.08M | 15.82M | 8.10M |
| Total Liabilities & Equity | 68.00M | 76.65M | 80.88M | 115.05M | 64.25M | 56.65M |
| Total Debt | 558.00K | 941.96K | 735.55K | 606.06K | 9.53M | 17.06M |
| Net Cash (Debt) | 27.60M | 31.77M | 43.09M | 69.50M | 15.66M | -6.26M |
| Net Cash Per Share | 0.65 | 0.74 | 1.07 | 7.22 | 32.44 | -28.98 |
| Filing Date Shares Outstanding | 40.10M | 44.43M | 43.20M | 39.42M | 482.69K | 215.98K |
| Total Common Shares Outstanding | 40.10M | 43.83M | 41.91M | 38.54M | 482.69K | 215.98K |
| Working Capital | 32.62M | 37.50M | 46.13M | 71.24M | 9.63M | -6.09M |
| Book Value Per Share | 0.86 | 0.90 | 1.15 | 2.05 | 32.78 | 11.53 |
| Tangible Book Value | 34.47M | 39.41M | 48.23M | 79.08M | 15.82M | 2.09M |
| Tangible Book Value Per Share | 0.86 | 0.90 | 1.15 | 2.05 | 32.78 | 2.97 |
| Machinery | 1.23M | 1.26M | 1.23M | 1.21M | 1.08M | |
| Leasehold Improvements | 317.89K | 354.91K | 172.60K | 274.54K | 353.46K |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -5.18M | -37.79M | -172.60M | -49.44M | -30.93M | |
| Depreciation & Amortization | 908.99K | 1.02M | 962.43K | 1.39M | 3.90M | |
| Other Amortization | 103.51K | 3.02M | 6.20M | 3.40M | ||
| Loss (Gain) From Sale of Assets | -1.44K | -607.07K | -3.69K | -4.54K | -542.00 | |
| Asset Writedown & Restructuring Costs | 1.51M | 4.54M | 3.11M | 5.83M | ||
| Stock-Based Compensation | 1.29M | 3.18M | 74.16M | 15.31M | 9.35M | |
| Provision & Write-off of Bad Debts | 26.32K | 112.12K | 2.20K | -14.24K | 26.66K | |
| Other Operating Activities | -5.54M | 2.34M | 74.80M | 7.01M | 4.44M | |
| Change in Accounts Receivable | -10.95M | 7.20M | -12.16M | 2.73M | -11.14M | |
| Change in Accounts Payable | 3.90M | -2.34M | 9.72M | -98.02K | 5.34M | |
| Change in Other Net Operating Assets | 3.68M | -5.57M | -1.23M | -728.92K | 4.63M | |
| Operating Cash Flow | -10.25M | -24.89M | -17.04M | -14.61M | -14.39M | |
| Capital Expenditures | -122.64K | -337.51K | -117.34K | -254.93K | -281.83K | |
| Sale of Property, Plant & Equipment | 5.11K | 7.07K | 6.10K | 9.00K | 542.00 | |
| Sale (Purchase) of Intangibles | -663.96K | -1.40M | -2.10M | -4.73M | -5.17M | |
| Other Investing Activities | 523.17K | 1.47M | 866.59K | 5.13K | -27.76K | |
| Investing Cash Flow | -258.32K | -256.82K | -1.34M | -4.98M | -5.48M | |
| Short-Term Debt Issued | 19.66M | 13.15M | ||||
| Long-Term Debt Issued | 5.00M | 22.40M | ||||
| Total Debt Issued | 5.00M | 42.05M | 13.15M | |||
| Short-Term Debt Repaid | -6.39M | |||||
| Long-Term Debt Repaid | -724.63K | -721.89K | -33.45M | -873.31K | -785.49K | |
| Lease Payments | -724.63K | -721.89K | -730.91K | -873.31K | -785.49K | |
| Total Debt Repaid | -724.63K | -721.89K | -33.45M | -7.26M | -785.49K | |
| Net Debt Issued (Repaid) | -724.63K | -721.89K | -28.45M | 34.79M | 12.36M | |
| Issuance of Common Stock | 34.00 | 159.00 | 91.51M | |||
| Other Financing Activities | -780.00K | |||||
| Financing Cash Flow | -724.60K | -721.73K | 63.06M | 34.79M | 11.58M | |
| Foreign Exchange Rate Adjustments | -104.63K | -252.75K | -113.44K | -317.88K | -144.40K | |
| Net Cash Flow | -11.34M | -26.12M | 44.56M | 14.89M | -8.42M | |
| Free Cash Flow | -10.37M | -25.23M | -17.16M | -14.86M | -14.67M | |
| Free Cash Flow Margin | -14.12% | -31.73% | -21.27% | -21.82% | -23.70% | |
| Free Cash Flow Per Share | -0.24 | -0.62 | -1.78 | -30.80 | -67.91 | |
| Levered Free Cash Flow | -7.07M | -14.86M | -8.68M | 6.04M | ||
| Unlevered Free Cash Flow | -7.04M | -14.85M | 3.21M | 10.91M | ||
| Free Cash Flow After Leases | -11.10M | -25.95M | -17.89M | -15.74M | -15.45M | |
| Cash Interest Paid | 53.63K | 23.70K | 48.36K | 42.13K | 48.17K | |
| Cash Income Tax Paid | -22.42K | 49.15K | -22.34K | |||
| Change in Working Capital | -3.37M | -707.41K | -3.66M | 1.91M | -1.18M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 25.42M | 55.17M | 46.53M | 66.28M | 296.98M | 730.35M |
| Enterprise Value | -2.19M | 28.39M | -884.03K | 66.81M | ||
| Last Close Price | 0.57 | 1.26 | 1.12 | 1.72 | 9.91 | 9.82 |
| Forward PE | 113.51 | |||||
| PS Ratio | 0.35 | 0.75 | 0.58 | 0.82 | 4.36 | 11.80 |
| PB Ratio | 0.67 | 1.40 | 0.96 | 0.84 | 18.77 | 90.14 |
| P/TBV Ratio | 0.74 | 1.40 | 0.96 | 0.84 | 18.77 | 349.54 |
| EV/Sales Ratio | 0.39 | 0.83 | ||||
| Debt / Equity Ratio | 0.02 | 0.02 | 0.01 | 0.01 | 0.60 | 2.10 |
| Net Debt / Equity Ratio | -0.80 | -0.81 | -0.89 | -0.88 | -0.99 | 0.77 |
| Net Debt / EBITDA Ratio | 3.26 | 3.48 | 1.41 | 0.74 | 0.51 | -0.27 |
| Net Debt / FCF Ratio | 3.06 | 1.71 | 4.05 | 1.05 | -0.43 | |
| Asset Turnover | 1.01 | 0.93 | 0.81 | 0.90 | 1.13 | |
| Quick Ratio | 1.77 | 1.89 | 2.15 | 2.90 | 1.18 | 0.81 |
| Current Ratio | 1.98 | 2.02 | 2.44 | 3.00 | 1.25 | 0.86 |
| Return on Equity (ROE) | -28.15% | -11.82% | -59.36% | -363.73% | -413.32% | |
| Return on Assets (ROA) | -7.28% | -7.38% | -19.69% | -65.95% | -32.14% | |
| Return on Capital Employed (ROCE) | -24.30% | -23.40% | -63.30% | -119.20% | -123.20% | -191.80% |
| Earnings Yield | -44.75% | -9.39% | -81.21% | -260.41% | -16.65% | -4.23% |
| FCF Yield | -40.81% | -18.80% | -54.21% | -25.89% | -5.00% | -2.01% |
| Buyback Yield / Dilution | -2.41% | -5.95% | -319.46% | -1,895.60% | -123.48% |