Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data MoneyHero Ltd files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2021
FY2023
FY2023
FY2024
Revenue
61.9
68.1
80.7
79.5
Cost of revenue
29.9
33.9
43.9
46.2
Gross profit
32
34.3
36.7
33.3
Operating income
-29.2
-41
-30
-40.2
Interest expense
1.7
7.8
19
0.03
Pre-tax income
-31
-49.7
-173
-37.7
Income tax
-0.04
-0.25
0.06
0.11
Net income
30.9
49.4
173
37.8
EPS, basic
-143.21
-102.43
-17.92
-0.94
EPS, diluted
-143.21
-102.43
-17.92
-0.94
Balance sheet
FY2021
FY2023
FY2023
FY2024
Cash and equivalents
9.19
24.1
68.6
42.5
Receivables
9.68
17.2
13.5
Total current assets
48.6
107
78.3
Property, plant and equipment
0.29
0.19
0.21
Lease right-of-use assets
0.46
0.78
0.59
0.74
Goodwill
4.34
Accounts payable
16.7
33.2
30.2
Total current liabilities
39
35.7
32.1
Lease liabilities
0.29
0.03
0.29
Total debt
0.01
0.01
Total equity
8.1
15.8
79.1
48.2
Cash flow statement
FY2021
FY2023
FY2023
FY2024
Net income
-30.9
-49.4
-173
-37.8
Cash from operations
-14.4
-14.6
-17
-24.9
Capital expenditures
-0.28
-0.25
-0.12
-0.34
Cash from investing
-5.48
-4.98
-1.34
-0.26
Debt issued
22.4
5
Debt repaid
-32.7
Stock issued
91.5
Cash from financing
11.6
34.8
63.1
-0.72
Exchange rate effect
-0.14
-0.32
-0.11
-0.25
Net change in cash
1.16
1.07
0.82
0.76
Free cash flow
-14.7
-14.9
-17.2
-25.2
Interest paid
0.05
0.04
0.05
0.02
Income taxes paid
0.02
-0.05
Key metrics
Worked out from the statements above. Latest values use fiscal 2024. Valuation uses the share price of $0.67 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Gross margin
41.9%
Gross profit / revenue.
Operating margin
-50.5%
Operating income / revenue.
Pre-tax margin
-47.4%
Pre-tax income / revenue.
Net margin
47.5%
Net income / revenue.
FCF margin
-31.7%
Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin
-31.3%
Cash from operations / revenue.
Capex / revenue
0.4%
Capital expenditures / revenue.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
-1.4%
Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y
8.7%
Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Gross profit growth, 1y
-9.3%
Gross profit vs the same period a year earlier. Only from a positive base.
Gross profit CAGR, 3y
1.4%
Compound annual growth of gross profit over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income growth, 1y
-78.1%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
6.9%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Balance sheet health
Metric
Value
How it is calculated
Current ratio
2.44x
Current assets / current liabilities.
Quick ratio
1.74x
(Cash + short-term investments + receivables) / current liabilities.
Cash ratio
1.32x
(Cash + short-term investments) / current liabilities.
Net debt
-$42.5M
Total debt - cash - short-term investments. Negative means more cash than debt.
Interest coverage
-1,578x
Operating income / interest expense.
Working capital
$46.1M
Current assets - current liabilities.
Efficiency
Metric
Value
How it is calculated
Fixed asset turnover
393x
Revenue / average property, plant and equipment.
Receivables turnover
5.17x
Revenue / average receivables.
Days sales outstanding
71 days
365 x average receivables / revenue.
Days payables
251 days
365 x average accounts payable / cost of revenue.
FCF conversion
-66.8%
Free cash flow / net income, when net income is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
-$0.94
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic
-$0.94
Net income per basic share, as reported (split-adjusted).
Valuation
Metric
Value
How it is calculated
Market cap
$29.9M
Share price x shares outstanding.
Enterprise value
-$12.6M
Market cap + total debt - cash - short-term investments.
P/E
0.79x
Market cap / net income. Only when net income is positive.
P/S
0.38x
Market cap / revenue.
FCF yield
-84.3%
Free cash flow / market cap.
Earnings yield
126.3%
Net income / market cap (the inverse of P/E).
What was MoneyHero Ltd's revenue in fiscal 2024?
MoneyHero Ltd reported revenue of $79.5M for fiscal 2024, 1.4% lower than the year before.
Was MoneyHero Ltd profitable in fiscal 2024?
Yes. Net income was $37.8M, a net margin of 47.5%.
How much free cash flow did MoneyHero Ltd generate in fiscal 2024?
Cash from operations of $24.9M minus capital expenditures of $337.5K left free cash flow of -$25.2M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.