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MoneyHero Limited Class A (MNY) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of MoneyHero Limited Class A $0.87, price $0.71, upside +22.7%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Communication Services · US · ISIN KYG6202B1014

ML MoneyHero Limited Class A logo Thin data Sep 23, 2026

MoneyHero Limited Class A

MNY · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value $0.8700 · Undervalued (+23%)
!Quality 43/100
!Expensive Growth (revenue 3y +2.5 %/yr)
!Loss-making · -7.1% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (4/10)
!Narrow moat 8/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$10.39 $0.6077 Fair Value $0.8700 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $0.6077 – $10.39 · fair‑value band $0.5700 – $1.08 · the $0.7090 price screens below the $0.8700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

MoneyHero Limited operates a personal finance aggregation and comparison platform for banking, insurance, and other financial products.

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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.

Stock analysis

MoneyHero Limited Class A Ordinary Shares (MNY) currently trades at $0.7090, while our model-based Fair Value estimate is $0.8700, implying the stock looks roughly 18.5% undervalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: $0.5700 (bear) to $1.08 (bull), the price of $0.7090 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Communication Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

MoneyHero Limited Class A Ordinary Shares reported revenue of $73.4M in FY2025 versus $61.9M in FY2021, a compound +4.4%/yr. Reported net income was −$5.2M in FY2025.

Key figures

Market cap $52.0M · P/S ratio 0.71 · EPS (TTM) $−0.1200 · Net margin −7.1% · Return on equity −11.8% · Return on assets (EBIT) −31.9% · Operating margin 0.3% · Revenue (TTM) $73.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 56% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Communication Services peers we cover trades at 10% fair-value upside, at 23%, MNY screens cheaper than that median.

Fair Value models

Bear $0.5700 Fair Value $0.8700 Bull $1.08
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $0.4600 $0.6200 $0.9200 53
All 1 models by family
Asset-Based
NCAV (Graham) $0.4600 $0.6200 $0.9200 53

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Quality Score breakdown

Overall quality 43/100

Of which business quality 46 · Market factors (momentum, volatility) 10

Profitability 31
Margins and returns on capital today
Quality Growth 66
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 54
Balance sheet, leverage, solvency risk
Investment 57
Disciplined investing over empire-building
Low Volatility 24
Calm price path (market factor)
Momentum 6
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 46
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 11/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−47.2% (2021) → −14.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Compare MoneyHero Limited Class A Ordinary Shares with another stock

Price, fair value, quality and upside side by side.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Internet Content & Information · 150 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside +23% · Above median
Profitability
Return on assets −7% · Bottom 25%
Net margin (TTM) −7% · Below median
Operating margin (TTM) 0% · Below median
Growth and dividend
Revenue growth 27% · Top 25%
Balance sheet
Debt / equity 0.22× · Above median

Valuation Multiplesvs Internet Content & Information median · lower = cheaper

P/B 1.32× · Cheaper than median
P/S (TTM) 0.71× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)64 · sector 46
FUTURE (revenue growth)100 · sector 28
PAST (return on equity)0 · sector 18
HEALTH (low debt)89 · sector 98
DIVIDEND (yield)0 · sector 39

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Internet Content & Information stocks, each showing price versus our Fair Value estimate.

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Alphabet Inc GOOG $347.41 $333.34 −4%
Meta Platforms, Inc META $736.60 $810.25 +10%
Tencent Holdings 0700 HK$451.60 HK$710.95 +57%
Spotify Technology S.A SPOT $501.30 $551.43 +10%
Reddit, Inc RDDT $155.67 $132.52 −15%
Baidu, Inc BIDU $92.43 $67.41 −27%
Kuaishou Technology, an investment holding company, 1024 HK$31.22 HK$101.62 +225%
NAVER Corporation 035420 194,700 KRW 315,395 KRW +62%
Tencent Music Entertainment Group 1698 HK$32.28 HK$71.55 +122%
REA Group REA A$152.30 A$167.53 +10%

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MoneyHero Limited Class A Ordinary Shares · Fair Value
$0.8700 +19%Fair Value
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Cite: Fair Value Calculator (2026). "MoneyHero Limited Class A Ordinary Shares Fair Value". https://www.fairvalue-calculator.com/stock/MNY

Frequently asked questions

Is MoneyHero Limited Class A (MNY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.8700 versus a price of $0.7090, about +23% upside (undervalued).
What is the fair value of MNY?
Our model-based fair value for MoneyHero Limited Class A Ordinary Shares is $0.8700 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.7090.
What is the quality score of MNY?
MoneyHero Limited Class A Ordinary Shares has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for MoneyHero Limited Class A (MNY)?
Our model-based price target is the fair value of $0.8700 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario $0.5700, optimistic scenario $1.08. It is a calculation from audited fundamentals, not an analyst target.
What is the MoneyHero Limited Class A Ordinary Shares stock forecast for 2026?
Our models put fair value at $0.8700, about +23% upside versus a price of $0.7090 (undervalued). Cautious scenario $0.5700, optimistic scenario $1.08. The calculation is refreshed regularly with new filings.
What is the revenue of MoneyHero Limited Class A (MNY)?
MoneyHero Limited Class A Ordinary Shares reported trailing-twelve-month revenue of about $73.4M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of MoneyHero Limited Class A (MNY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MoneyHero Limited Class A Ordinary Shares it is $0.8700 per share (as of Sep 23, 2026), against a price of $0.7090. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is MoneyHero Limited Class A Ordinary Shares stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MNY trades below its calculated fair value: price $0.7090, fair value $0.8700, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MNY?
No. The price is what the market pays today ($0.7090); the fair value is what the company's own numbers justify ($0.8700). For MoneyHero Limited Class A Ordinary Shares the two are $0.1610 per share apart. That gap is exactly why we show both numbers side by side.
How much is MoneyHero Limited Class A Ordinary Shares worth?
The market values MoneyHero Limited Class A Ordinary Shares at about $52.0M (market capitalisation, as of Sep 23, 2026). Per share that is $0.7090; our models calculate a fair value of $0.8700 per share.
What do the bullish and bearish scenarios say about MNY?
Our models span a range for MoneyHero Limited Class A Ordinary Shares: cautious scenario $0.5700, base $0.8700, optimistic $1.08 per share (as of Sep 23, 2026, price $0.7090). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of MoneyHero Limited Class A (MNY)?
Balance-sheet figures for MoneyHero Limited Class A Ordinary Shares (as of Sep 23, 2026): return on equity −11.8%, debt of 0.22 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is MNY from its 52-week high?
MoneyHero Limited Class A Ordinary Shares trades at $0.7090, about 56% below its 52-week high of $1.60 and 3% above the low of $0.6900 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.8700 is for.
Which stocks are comparable to MoneyHero Limited Class A Ordinary Shares?
From the same area (Communication Services) we also value Alphabet Inc, Meta Platforms, Inc, Tencent Holdings, Spotify Technology S.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is MoneyHero Limited Class A Ordinary Shares stock attractive at the current price?
The data as of Sep 23, 2026: price $0.7090, calculated fair value $0.8700 (+23%), Quality Score 43/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MNY calculated?
We run MoneyHero Limited Class A Ordinary Shares through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.8700, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. MoneyHero Limited Class A Ordinary Shares currently trades 23 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of MoneyHero Limited Class A (MNY)?
The closing price on Sep 23, 2026 was $0.7090. Our model-based fair value is $0.8700, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MoneyHero Limited Class A Ordinary Shares right now?
A fairly wide model range ($0.5700 to $1.08) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of MoneyHero Limited Class A Ordinary Shares

How large is the market capitalisation of MoneyHero Limited Class A (MNY)?
The market capitalisation of MoneyHero Limited Class A Ordinary Shares is $52.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of MoneyHero Limited Class A (MNY)?
The price-to-sales ratio of MoneyHero Limited Class A Ordinary Shares is 0.71 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of MoneyHero Limited Class A (MNY)?
Earnings per share at MoneyHero Limited Class A Ordinary Shares are $−0.1200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of MoneyHero Limited Class A (MNY)?
The net margin of MoneyHero Limited Class A Ordinary Shares is −7.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of MoneyHero Limited Class A (MNY)?
The return on equity (ROE) of MoneyHero Limited Class A Ordinary Shares is −11.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of MoneyHero Limited Class A (MNY)?
On an EBIT basis the return on assets of MoneyHero Limited Class A Ordinary Shares is −31.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of MoneyHero Limited Class A (MNY)?
The operating margin of MoneyHero Limited Class A Ordinary Shares is 0.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MoneyHero Limited Class A (MNY)?
Revenue at MoneyHero Limited Class A Ordinary Shares is growing +27.0% versus a year earlier (3y avg +2.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does MoneyHero Limited Class A (MNY) generate?
The free cash flow of MoneyHero Limited Class A Ordinary Shares is −$10.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does MoneyHero Limited Class A (MNY) hold?
MoneyHero Limited Class A Ordinary Shares holds more cash than debt, $11.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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