MNY (MoneyHero) Moat Score: 3/10 (As of Jul. 27, 2026)

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MNY MoneyHero Ltd MNY
30 GF Score
Price $0.96
GF Value $1.55
Valuation Possible Value Trap
! 3 Warning Signs
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What is MoneyHero Moat Score?

MoneyHero MNY -1.03% 30 Moat Score is 3 as of Jul. 27, 2026. GuruFocus rates MNY with a GF Score™ of 30/100 and a GF Value™ of $1.55 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 563 Interactive Media companies, MoneyHero ranks better than 83.48% on this metric.

MoneyHero has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

MoneyHero has No Moat: MoneyHero Ltd has a weak competitive position with limited market share and brand strength. The company lacks significant customer switching costs, intellectual property, or regulatory barriers, making its advantages transient and easily challenged by competitors.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes MoneyHero might have No Moat - Very weak/transient advantages.

MoneyHero  (NAS:MNY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

MoneyHero Moat Score Related Terms

MNY vs AREN, ZDGE, SOGP: Moat Score Comparison

For the Internet Content & Information subindustry, MoneyHero's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

MoneyHero Moat Score vs Interactive Media Industry

For the Interactive Media industry and Communication Services sector, MoneyHero's Moat Score distribution charts can be found below:

* The bar in red indicates where MoneyHero's Moat Score falls into.


MNY
30GF Score
MoneyHero Ltd MNY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
MoneyHero (MNY) has a Moat Score of 3 as of Jul. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, MoneyHero ranks #93 out of 563 companies in the Interactive Media industry, placing it in the top 16.5%.
Is MoneyHero's Moat Score too high?
MoneyHero's current Moat Score is 3. Based on the distribution chart, MoneyHero ranks #93 out of 563 companies in the Interactive Media industry, which is in the top quartile — a strong position relative to peers. Overall, MoneyHero has a GF Score™ of 30/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MoneyHero's Moat Score compare to AREN and ZDGE?
According to the Interactive Media industry distribution chart, MoneyHero ranks #93 out of 563 companies for Moat Score. This places MoneyHero in the top 17% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Interactive Media company?
A good Moat Score depends on the Interactive Media industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. MoneyHero's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MoneyHero stock overvalued right now?
Based on GuruFocus' analysis, MoneyHero (MNY) is currently considered Possible Value Trap. The stock's GF Value™ is $1.55, compared to a current price of $0.96 — trading 38.1% below its estimated fair value. The current Moat Score is 3. MoneyHero's overall GF Score™ is 30/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For MoneyHero (MNY), the current Moat Score is 3 as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is MoneyHero (MNY) Overvalued in 2026?

Based on GuruFocus' analysis, MoneyHero stock appears to be undervalued. The current stock price of $0.96 is trading 38.1% below its estimated GF Value™ of $1.55. GuruFocus considers MoneyHero to be Possible Value Trap.

Key valuation signals for MNY:

  • Moat Score: 3
  • GF Value™: $1.55 vs. price of $0.96 (38.1% below fair value)
  • GF Score™: 30/100 with 3 warning signs

No single metric tells the full story. See the MNY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MoneyHero Business Description

Address 70 Shenton Way, No. 18-15, EON Shenton, Singapore, SGP, S079118
MoneyHero Ltd is a tech- and AI-powered personal finance aggregation and comparison platform and a digital insurance brokerage provider in Greater Southeast Asia. It operates in Singapore, Hong Kong, Taiwan and the Philippines. Its brand portfolio includes B2C platforms MoneyHero, SingSaver, Money101, Moneymax and Seedly, as well as the B2B platform Creatory. The company has four operating and reportable segments: Hong Kong, Singapore, the Philippines, and Taiwan. The Hong Kong segment generates the majority of the revenue.
30GF Score

Get the complete analysis for MNY

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.96
Price
$1.55
GF Value