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

As of Nov 6, 2026: fair value (intrinsic value) of MoneyHero Limited Class A stock $0.92, price $0.60, upside +53.3%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with one of our 26 valuation models and 37 quality factors, updated daily.

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Communication Services US · Based in Singapore · ISIN KYG6202B1014

ML MoneyHero Limited Class A logo Thin data Nov 3, 2026

MoneyHero Limited Class A

MNY · US
Cheap, value-trap risk

The stock costs 35% less than our calculation considers fair.

Fair value $0.9200 · Strongly undervalued
Low debt
Quality 48/100
Expensive Growth (revenue 3y +2.5 %/yr in USD)
Revenue last quarter 13% below a year ago.
Loss-making · -14.9% net margin (TTM)
Negative free cash flow
Trails peers (3/10)
Narrow moat 5/100 · thin data
Thin data
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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 $0.4890 Fair Value $0.9200 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $0.4890 – $10.39 · fair‑value band $0.6100 – $1.16 · the $0.6000 price screens below the $0.9200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 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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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 (MNY) currently trades at $0.6000, while our model-based Fair Value estimate is $0.9200, implying the stock looks roughly 35% undervalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: $0.6100 (bear) to $1.16 (bull), the price of $0.6000 sits below 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 48/100 (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 $24.1M Micro · P/S ratio 0.34 · EPS (TTM) $−0.3000 · Net margin −14.9% · Return on equity −28.2% · Return on assets (EBIT) −31.9% (5-year average) · Operating margin −15.5% · Revenue (TTM) $73.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 5 out of 100 (low confidence).

What moves the price

The share trades about 63% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Communication Services peers we cover trades at 11% fair-value upside, at 53%, MNY screens cheaper than that median.

Fair Value models

Bear $0.6100 Fair Value $0.9200 Bull $1.16
Price $0.6000 · Upside +53.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
NCAV (Graham) $0.6100 $0.9200 $1.16 53
All 1 models by family
Asset-Based
NCAV (Graham) $0.6100 $0.9200 $1.16 53

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 66
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 54
Debt, balance sheet and risk of trouble
Investment 57
Does it invest with discipline instead of growing at any price?
Low Volatility 20
How calm the share price moves, does not count
Price momentum 1
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 5
Distance to the 52-week high, does not count
New shares 60
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 11 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

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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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 · 122 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Bottom 25%
Fair Value upside +53.3% · Above median
Profitability
Return on assets −6.8% · Bottom 25%
Net margin (12 months) −14.9% · Bottom 25%
Operating margin (12 months) −15.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −12.6% · Bottom 25%
Balance sheet
Debt / equity 0.22× · Above median

Valuation Multiplesvs Internet Content & Information median · lower = cheaper

P/B 0.61× · Cheapest 25%
P/S (12 months) 0.33× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 47
FUTURE (revenue growth)0 · sector 33
PAST (return on equity)0 · sector 18
HEALTH (low debt)89 · sector 97
DIVIDEND (yield)0 · sector 40

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.

Stock Price Fair Value vs Fair Value Compare
Kuaishou Technology 1024 HK$28.92 HK$86.76 +200% vs MNY
Tencent Music Entertainment Group 1698 HK$37.28 HK$74.14 +99% vs MNY
Tencent Holdings 0700 HK$419.80 HK$710.45 +69% vs MNY
NAVER Corporation 035420 190,200 KRW 314,922 KRW +66% vs MNY
REA Group REA A$173.54 A$192.29 +11% vs MNY
Alphabet Inc GOOG $283.93 $312.32 +10% vs MNY
Meta Platforms, Inc META $610.15 $671.17 +10% vs MNY
Reddit, Inc RDDT $95.10 $104.61 +10% vs MNY
Spotify Technology S.A SPOT $603.01 $612.82 +2% vs MNY
Baidu, Inc BIDU $81.87 $54.07 −34% vs MNY

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MoneyHero Limited Class A Ordinary Shares: fair value per Fair Value Calculator

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 Nov 3, 2026, our model estimates a fair value of $0.9200 versus a price of $0.6000, about +53% upside (undervalued).
What is the fair value of MNY?
Our model-based fair value for MoneyHero Limited Class A is $0.9200 (as of Nov 3, 2026), built from audited fundamentals. The current price: $0.6000.
What is the quality score of MNY?
MoneyHero Limited Class A has a Quality Score of 48/100. 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 $0.9200 (as of Nov 3, 2026) from 1 valuation models. Cautious scenario $0.6100, optimistic scenario $1.16. 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 $0.9200, about +53% upside versus a price of $0.6000 (undervalued). Cautious scenario $0.6100, optimistic scenario $1.16. The calculation is refreshed regularly with new filings.
What is the revenue of MoneyHero Limited Class A (MNY)?
MoneyHero Limited Class A reported trailing-twelve-month revenue of about $73.4M (latest available figure, as of Nov 3, 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 it is $0.9200 per share (as of Nov 3, 2026), against a price of $0.6000. It is the blended result of 1 valuation models in 1 family (Asset-Based).
Is MoneyHero Limited Class A Ordinary Shares stock overvalued or undervalued in 2026?
As of Nov 3, 2026, MNY trades below its calculated fair value: price $0.6000, fair value $0.9200, a gap of about +53% (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 ($0.6000); the fair value is what the company's own numbers justify ($0.9200). For MoneyHero Limited Class A the two are $0.3200 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 at about $24.1M (market capitalisation, as of Nov 3, 2026). Per share that is $0.6000; our models calculate a fair value of $0.9200 per share.
What do the bullish and bearish scenarios say about MNY?
Our models span a range for MoneyHero Limited Class A: cautious scenario $0.6100, base $0.9200, optimistic $1.16 per share (as of Nov 3, 2026, price $0.6000). 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 (as of Nov 3, 2026): return on equity −28.2%, debt of 0.22 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is MNY from its 52-week high?
MoneyHero Limited Class A trades at $0.6000, about 63% below its 52-week high of $1.60 and 23% above the low of $0.4890 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.9200 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 Nov 3, 2026: price $0.6000, calculated fair value $0.9200 (+53%), Quality Score 48/100, 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 through 1 models from 1 family: Asset-Based. Every model gets the same audited fundamentals; the fair value of $0.9200 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. MoneyHero Limited Class A currently trades 35% 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 Nov 6, 2026 was $0.6000. Our model-based fair value is $0.9200, about +53% 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?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.6100 to $1.16) leaves room in how you read the outcome.

Key figures of MoneyHero Limited Class A

How large is the market capitalisation of MoneyHero Limited Class A (MNY)?
The market capitalisation of MoneyHero Limited Class A is $24.1M. 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 is 0.34 (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 are $−0.3000. 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 is −14.9% (last twelve months). 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 is −28.2% (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 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 is −15.5% (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 is growing −12.6% 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 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 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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