MNY Nasdaq Services-Business Services, Nec Financials FY2021βFY2025
MoneyHero Ltd had $73.4M of revenue in fiscal 2025, down 7.7% on the year before.
Hi! I read MoneyHero Ltdβs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
Are sales growing?
β7.7%
No. Sales fell 7.7% last year.
Does it make a profit?
7.1%
A little. It keeps 7.1% of every sale as profit.
Does profit turn into cash?
β14.1%
No. It spent more cash than it brought in.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
In plain words: Every quarter, companies publish how much they sold and earned. These are the days MoneyHero Ltd did it, and the next one. Share prices often move a lot on those days.
Next results
December 4, 2026
Friday Β· in 40 days
No past results dates on file yet.
KIRA Β· MoneyHero Ltd had $73.4M of revenue in fiscal 2025, down 7.7% on the year before. Its operating margin was β8.2%, up 42.4Β pts: of every 100 in sales, about β8 is left after running the business.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
KIRA Β· MoneyHero Ltd made $5.2M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
How much cash comes in, and where does it go?
KIRA Β· Free cash flow was β$10.4M in fiscal 2025, β14.1% of revenue.
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Can it carry its debts, and how well does it use its money?
Cash, debt and the ratios that show how comfortably MoneyHero Ltd can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
| 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 | β | $8.7M | $0.0M | $0.0M | β |
| Debt / equity | β | 0.6x | 0.0x | 0.0x | β |
| Interest coverage | β6,959.4x | β7,188.2x | β3,950.8x | β3,464.8x | β530.7x |
| Current ratio | β | 1.2x | 3.0x | 2.4x | 2.0x |
| Quick ratio | β | 1.2x | 3.0x | 2.4x | 2.0x |
| Shareholders' equity | $8.1M | $15.8M | $79.1M | $48.2M | $39.4M |
| Net debt (β = net cash) | β | β$15.3M | β$68.6M | β$42.5M | β |
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β |
| F-score | β / 3 | β / 5 | β / 6 | β / 6 | β / 6 |
| Accruals ratio | β | β | β | β | β |
| Altman Z'' | β | β | β | β | β |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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 | β$29.2M | β$41.0M | β$30.0M | β$40.2M | β$6.0M |
| Interest expense | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Pretax income | β$31.0M | β$49.7M | β$173M | β$37.7M | β$5.1M |
| Income tax | β$0.0M | β$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 | β$143.21 | β$102.43 | β$17.92 | β$0.94 | β$0.12 |
| Diluted shares | 0.00B | 0.00B | 0.01B | 0.04B | 0.04B |
| Cash flow | |||||
| Cash from operations | β$14.4M | β$14.6M | β$17.0M | β$24.9M | β$10.2M |
| Capital expenditure | $0.3M | $0.3M | $0.1M | $0.3M | $0.1M |
| Free cash flow | β$14.7M | β$14.9M | β$17.2M | β$25.2M | β$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 | β | $8.7M | $0.0M | $0.0M | β |
| Deposits | β | $0.2M | $54.7M | β | β |
| Current assets | β | $48.6M | $107M | $78.3M | $74.3M |
| Current liabilities | β | $39.0M | $35.7M | $32.1M | $36.8M |
| Property and equipment, net | β | $0.3M | $0.2M | $0.2M | $0.2M |
| Goodwill | $4.3M | β | β | β | β |
| 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 | β47.2% | β60.1% | β37.2% | β50.5% | β8.2% |
| EBITDA margin | β46.7% | β59.7% | β36.9% | β50.2% | β7.9% |
| Net margin | 50.0% | 72.6% | 214.0% | 47.5% | 7.1% |
| FCF margin | β23.7% | β21.8% | β21.3% | β31.7% | β14.1% |
| Returns | |||||
| Return on capital | β | β6,613.9% | β226.9% | β555.5% | β |
| 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 | β | 10.1% | 18.4% | β1.4% | β7.7% |
| Net income growth | β | 59.8% | 249.1% | β78.1% | β86.3% |
| Share count change | β | 123.5% | 1,895.6% | 319.5% | 6.0% |
| Financial health | |||||
| Debt / equity | β | 0.6x | 0.0x | 0.0x | β |
| Interest coverage | β6,959.4x | β7,188.2x | β3,950.8x | β3,464.8x | β530.7x |
| Current ratio | β | 1.2x | 3.0x | 2.4x | 2.0x |
| Quick ratio | β | 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 β not investment advice. Check the original filings before relying on any figure.
