MoneyHero Ltd (MNY) FinancialsMNYMoneyHero Ltd

MoneyHero Ltd (MNY) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Credit cards, accounting for 54.4% of total sales, equivalent to $8.99M. Other significant revenue streams include Personal loans and mortgages and Wealth. Understanding this composition is critical for investors evaluating how MNY navigates market cycles within the Online Services industry.

Evaluating the bottom line, MoneyHero Ltd maintains a gross margin of 51.96%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at -15.48%, while the net margin is -7.64%. These profitability ratios, combined with a Return on Equity (ROE) of -28.15%, provide a clear picture of how effectively MNY converts its operational activities into shareholder value.

In the context of the broader market, MNY competes directly with industry leaders such as DUO and NIPG. With a market capitalization of $25.76M, it holds a significant position in the sector. When comparing efficiency, MNY's gross margin of 51.96% stands against DUO's 13.22% and NIPG's -1.17%. Such benchmarking helps identify whether MoneyHero Ltd is trading at a premium or discount relative to its financial performance.

MoneyHero Ltd reported total revenue of $15.8 million in Q2, a 13% year-over-year decline, but still shows operational efficiency with a narrowed adjusted EBITDA loss of $1.6 million, a 17% improvement year-over-year. The gross margin remains relatively strong at around 51.96% in Q2 2026, indicating effective cost management.