MoneyHero Ltd
MNY Nasdaq Services-Business Services, Nec Financials FY2021–FY2025
What MoneyHero Ltd does
No business description yet.
- Legal name
- MoneyHero Ltd
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 30, 2026
- Accession · CIK
- 0001213900-26-049733
0001974044
Revenue and margins
MoneyHero Ltd had $73.4M of revenue in fiscal 2025, down 7.7% on the year before.
Net income and earnings per share
Loss periods are shown in red.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Cash flow
Free cash flow was −$10.4M in fiscal 2025, −14.1% of revenue. Cash from operations minus capital spending.
Dividends, buybacks and share count
MoneyHero Ltd returned — to shareholders in fiscal 2025. The diluted share count rose 6.0%.
Balance sheet
Cash, debt and the ratios that show how comfortably MoneyHero Ltd can carry it.
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $9.2M | $24.1M | $68.6M | $42.5M | $31.2M |
| Debt incl. finance leases | — | $8.7M | $0.0M | $0.0M | — |
| Debt / equity | — | 0.6x | 0.0x | 0.0x | — |
| Interest coverage | −6,959.4x | −7,188.2x | −3,950.8x | −3,464.8x | −530.7x |
| Current ratio | — | 1.2x | 3.0x | 2.4x | 2.0x |
| Quick ratio | — | 1.2x | 3.0x | 2.4x | 2.0x |
| Shareholders' equity | $8.1M | $15.8M | $79.1M | $48.2M | $39.4M |
| Net debt (− = net cash) | — | −$15.3M | −$68.6M | −$42.5M | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Net income is positive | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cash from operations is positive | ✕ | ✕ | ✕ | ✕ | ✕ |
| Return on assets rose | — | — | — | — | — |
| Cash from operations exceeds net income | ✕ | ✕ | ✕ | ✕ | ✕ |
| Debt fell relative to assets | — | — | — | — | — |
| Current ratio rose | — | — | ✓ | ✕ | ✕ |
| Share count didn't rise | — | ✕ | ✕ | ✕ | ✕ |
| Gross margin rose | — | ✕ | ✕ | ✕ | ✓ |
| Revenue rose relative to assets | — | — | — | — | — |
| F-score | — / 3 | — / 5 | — / 6 | — / 6 | — / 6 |
| Accruals ratio | — | — | — | — | — |
| Altman Z'' | — | — | — | — | — |
5 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Income statement | |||||
| Revenue | $61.9M | $68.1M | $80.7M | $79.5M | $73.4M |
| Gross profit | $32.0M | $34.3M | $36.7M | $33.3M | $36.1M |
| Operating income | −$29.2M | −$41.0M | −$30.0M | −$40.2M | −$6.0M |
| Interest expense | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Pretax income | −$31.0M | −$49.7M | −$173M | −$37.7M | −$5.1M |
| Income tax | −$0.0M | −$0.3M | $0.1M | $0.1M | $0.0M |
| Net income | $30.9M | $49.4M | $173M | $37.8M | $5.2M |
| Net income to common | $30.9M | $49.4M | $173M | $37.8M | $5.2M |
| Diluted EPS | −$143.21 | −$102.43 | −$17.92 | −$0.94 | −$0.12 |
| Diluted shares | 0.00B | 0.00B | 0.01B | 0.04B | 0.04B |
| Cash flow | |||||
| Cash from operations | −$14.4M | −$14.6M | −$17.0M | −$24.9M | −$10.2M |
| Capital expenditure | $0.3M | $0.3M | $0.1M | $0.3M | $0.1M |
| Free cash flow | −$14.7M | −$14.9M | −$17.2M | −$25.2M | −$10.4M |
| Depreciation and amortization | $0.3M | $0.3M | $0.2M | $0.3M | $0.2M |
| Stock-based compensation | $9.4M | $0.9M | $0.5M | $3.2M | $1.3M |
| Balance sheet | |||||
| Cash and short-term investments | $9.2M | $24.1M | $68.6M | $42.5M | $31.2M |
| Total debt | — | $8.7M | $0.0M | $0.0M | — |
| Deposits | — | $0.2M | $54.7M | — | — |
| Current assets | — | $48.6M | $107M | $78.3M | $74.3M |
| Current liabilities | — | $39.0M | $35.7M | $32.1M | $36.8M |
| Property and equipment, net | — | $0.3M | $0.2M | $0.2M | $0.2M |
| Goodwill | $4.3M | — | — | — | — |
| Shareholders' equity | $8.1M | $15.8M | $79.1M | $48.2M | $39.4M |
| Margins | |||||
| Gross margin | 51.7% | 50.3% | 45.5% | 41.9% | 49.2% |
| Operating margin | −47.2% | −60.1% | −37.2% | −50.5% | −8.2% |
| EBITDA margin | −46.7% | −59.7% | −36.9% | −50.2% | −7.9% |
| Net margin | 50.0% | 72.6% | 214.0% | 47.5% | 7.1% |
| FCF margin | −23.7% | −21.8% | −21.3% | −31.7% | −14.1% |
| Returns | |||||
| Return on capital | — | −6,613.9% | −226.9% | −555.5% | — |
| Return on equity | 381.8% | 413.3% | 363.7% | 59.4% | 11.8% |
| Return on tangible equity | 823.0% | 312.5% | 218.2% | 78.4% | 13.1% |
| Growth | |||||
| Revenue growth | — | 10.1% | 18.4% | −1.4% | −7.7% |
| Net income growth | — | 59.8% | 249.1% | −78.1% | −86.3% |
| Share count change | — | 123.5% | 1,895.6% | 319.5% | 6.0% |
| Financial health | |||||
| Debt / equity | — | 0.6x | 0.0x | 0.0x | — |
| Interest coverage | −6,959.4x | −7,188.2x | −3,950.8x | −3,464.8x | −530.7x |
| Current ratio | — | 1.2x | 3.0x | 2.4x | 2.0x |
| Quick ratio | — | 1.2x | 3.0x | 2.4x | 2.0x |
| Capital allocation | |||||
| Capex / revenue | 0.5% | 0.4% | 0.1% | 0.4% | 0.2% |
| Stock comp / revenue | 15.1% | 1.3% | 0.6% | 4.0% | 1.8% |
Source: SEC EDGAR XBRL filings (CIK 0001974044). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.