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Upturn AI SWOT - About
MoneyHero Limited Class A Ordinary Shares (MNY)
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Upturn Advisory Summary
10/15/2025: MNY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.6
1 Year Target Price $4.6
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.98% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 47.91M USD | Price to earnings Ratio - | 1Y Target Price 4.6 |
Price to earnings Ratio - | 1Y Target Price 4.6 | ||
Volume (30-day avg) 1 | Beta 1.24 | 52 Weeks Range 0.55 - 2.40 | Updated Date 10/16/2025 |
52 Weeks Range 0.55 - 2.40 | Updated Date 10/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date 2025-09-19 | When Before Market | Estimate -0.02 | Actual 0.005 |
Profitability
Profit Margin -21.3% | Operating Margin (TTM) -14.43% |
Management Effectiveness
Return on Assets (TTM) -12.42% | Return on Equity (TTM) -28.45% |
Valuation
Trailing PE - | Forward PE 9 | Enterprise Value 36174602 | Price to Sales(TTM) 0.69 |
Enterprise Value 36174602 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 0.52 | Enterprise Value to EBITDA - | Shares Outstanding 29519412 | Shares Floating 19775523 |
Shares Outstanding 29519412 | Shares Floating 19775523 | ||
Percent Insiders 60.73 | Percent Institutions 0.53 |
Upturn AI SWOT
MoneyHero Limited Class A Ordinary Shares
Company Overview
History and Background
MoneyHero Limited, formerly known as Hyphen Group, was founded in 2014. It initially focused on providing financial comparison services in Southeast Asia and has grown through partnerships and acquisitions to expand its offerings.
Core Business Areas
- Comparison Platforms: Operates online platforms that allow users to compare and apply for various financial products like credit cards, loans, and insurance.
- Affiliate Marketing: Generates revenue through commissions earned when users apply for financial products through its platform.
- Content Marketing: Provides financial literacy content to attract and engage users.
Leadership and Structure
The leadership team comprises experienced executives in finance and technology. The organizational structure includes functional departments such as technology, marketing, sales, and finance, with regional teams focused on specific Southeast Asian markets.
Top Products and Market Share
Key Offerings
- Credit Card Comparison: Allows users to compare credit card features, rewards, and fees. Competitors include SingSaver, GoBear (defunct), and bank-owned comparison tools. Market share data is difficult to ascertain due to fragmented Southeast Asian markets, but MoneyHero is a key player.
- Personal Loan Comparison: Enables users to compare personal loan interest rates, terms, and eligibility criteria. Competitors include online lending platforms and traditional banks. Market share data is fragmented. A rough estimate of revenue is $10 million from loans.
- Insurance Comparison: Facilitates comparison of insurance policies, including travel, health, and car insurance. Competitors include Insurtech companies and traditional insurance brokers. Market share data is not readily available but the service is growing.
Market Dynamics
Industry Overview
The financial comparison market in Southeast Asia is growing, driven by increasing internet penetration and a rising demand for financial services. The industry is competitive, with many players vying for market share.
Positioning
MoneyHero Limited aims to be a leading financial comparison platform in Southeast Asia, leveraging its technology and partnerships to offer a comprehensive range of financial products.
Total Addressable Market (TAM)
The TAM for financial services in Southeast Asia is estimated to be in the billions of dollars annually. MoneyHero is positioning itself to capture a significant share of this market by expanding its product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in key Southeast Asian markets
- Extensive partnerships with financial institutions
- Technology-driven platform
- Experienced management team
Weaknesses
- Dependence on affiliate commissions
- Limited geographic diversification
- Vulnerability to changes in financial regulations
- Relatively small size compared to global competitors
Opportunities
- Expansion into new Southeast Asian markets
- Development of new financial comparison tools
- Acquisition of complementary businesses
- Partnerships with fintech companies
Threats
- Intense competition from established players
- Economic downturns in Southeast Asia
- Changes in consumer behavior
- Regulatory hurdles
Competitors and Market Share
Key Competitors
- FUND
- RDFN
- TREE
Competitive Landscape
MoneyHero's competitive advantage lies in its focus on Southeast Asia and its partnerships with local financial institutions. Disadvantages include its relatively smaller size compared to global competitors and limited geographic diversification.
Major Acquisitions
CompareAsiaGroup (previously)
- Year: 2024
- Acquisition Price (USD millions): 200
- Strategic Rationale: Acquisition aimed to solidify market leadership in financial comparison services across key Southeast Asian markets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by market expansion and product diversification.
Future Projections: Future growth is projected to come from increased adoption of online financial services and expansion into new markets, although specific analyst estimates are not provided here.
Recent Initiatives: Recent initiatives include expanding partnerships with financial institutions and developing new comparison tools for emerging financial products such as digital banking and cryptocurrencies.
Summary
MoneyHero Limited focuses on financial product comparison in Southeast Asia, facing intense competition and regulatory hurdles. Strengths include brand recognition and partnerships, while weaknesses involve dependence on affiliate commissions. Opportunities exist through market expansion, but threats come from economic downturns. Solid, but needs to continue expanding its market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Press Releases
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share estimates are approximate and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MoneyHero Limited Class A Ordinary Shares
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2023-10-13 | CEO & Director Mr. Rohith Murthy | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 286 | Website https://www.moneyherogroup.com |
Full time employees 286 | Website https://www.moneyherogroup.com | ||
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.
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