MoneyHero (NASDAQ:MNY) Posts Quarterly Earnings Results, Beats Estimates By $0.02 EPS

MoneyHero (NASDAQ:MNY) released its quarterly earnings results on Thursday. The company reported $0.01 EPS for the quarter, topping the consensus estimate of ($0.01) by $0.02, reports. The firm had revenue of $19.97 million during the quarter, compared to analyst estimates of $23.92 million. MoneyHero had a negative return on equity of 56.10% and a negative net margin of 35.36%.

Here are the key takeaways from MoneyHero’s conference call:

• Profitability inflection: MoneyHero reported Q4 net profit of $0.5M and its first-ever adjusted EBITDA gain of $0.7M, while full-year adjusted EBITDA loss narrowed 73% to $6.4M and net loss improved (~86%) to $5.2M, signaling a move from turnaround toward profit.
• Strategic revenue mix shift toward higher-margin verticals: insurance and wealth accounted for ~30% of Q4 revenue (wealth grew 50% YoY in Q4), helping cost of revenue fall to 51% and expanding margins.
• AI-driven operating leverage: AI now touches up to 70% of customer queries (47% fully resolved in December), enabling technology costs to drop ~59% year-over-year and supporting 12% more approved applications without proportional headcount growth.
• Leadership transition: the board appointed an interim CEO and is searching for a permanent CEO to lead the next scaling phase—management frames this as deliberate, but the change at a profitability inflection adds executive leadership uncertainty.
• Balance sheet and outlook: MoneyHero ended the year debt-free with $31.2M cash and $37.5M net current assets (cash up $3.3M sequentially) and expects 2026 adjusted EBITDA to exceed 2025 levels.

MoneyHero Stock Down 0.9%

MNY stock traded down $0.01 on Friday, hitting $1.32. 7,774 shares of the company’s stock were exchanged, compared to its average volume of 21,901. MoneyHero has a 12-month low of $0.66 and a 12-month high of $2.40. The firm has a 50 day moving average price of $1.37 and a two-hundred day moving average price of $1.31. The company has a debt-to-equity ratio of 0.01, a quick ratio of 1.96 and a current ratio of 1.96. The stock has a market cap of $55.23 million, a P/E ratio of -1.88 and a beta of 1.26.

Institutional Inflows and Outflows

An institutional investor recently bought a new position in MoneyHero stock. Virtu Financial LLC acquired a new stake in MoneyHero Limited (NASDAQ:MNY) during the third quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor acquired 26,445 shares of the company’s stock, valued at approximately $38,000. Virtu Financial LLC owned 0.06% of MoneyHero as of its most recent filing with the Securities and Exchange Commission (SEC). 30.86% of the stock is currently owned by institutional investors and hedge funds.

Analyst Upgrades and Downgrades

Separately, Zacks Research raised MoneyHero from a “strong sell” rating to a “hold” rating in a research report on Tuesday, March 10th. One analyst has rated the stock with a Strong Buy rating, one has issued a Hold rating and one has assigned a Sell rating to the company. Based on data from MarketBeat.com, MoneyHero presently has a consensus rating of “Hold” and an average price target of $4.00.

MoneyHero Company Profile

MoneyHero Group Ltd (NASDAQ: MNY) operates an online comparison marketplace that helps consumers research, compare and select a broad array of financial and lifestyle products. Through its digital platform, MoneyHero presents side-by-side comparisons for credit cards, personal loans, mortgages, various insurance policies, broadband and mobile plans, as well as utility services. The site features interactive tools such as personalized calculators, user reviews and curated offer alerts, designed to simplify complex product information and enhance consumer decision making.

Founded in Hong Kong in 2014, MoneyHero has expanded its presence to serve customers in Singapore and Malaysia.