All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2023; the latest 2025-04-30.
From the record
MoneyHero Limited's filings since 2023 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2025-04-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+8.7% a year over 4 filed years; profitable in 0 of 4.
From the record
MoneyHero Limited's 4 filed years say what it did: revenue went from $62 million in fiscal 2021 to $80 million in fiscal 2024, up 8.7% a year; it rose in 2 of 3 years; the deepest fall was 1% from fiscal 2023 to fiscal 2024; net income was positive in 0 of 4 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 0.3/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: MoneyHero Limited's shareholder treatment is put at 0.3 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 3% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
SI estimate 5.4/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: MoneyHero Limited's financial health is put at 5.4 of 10 with a confidence of 20 of 100, because no balance sheet on file, so the desk assumes the typical reading of its industry family, the median of 99 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
How strong is its position in its industry?
bottom 29% of 101 in its family; net margin -47.5%.
From the record
MoneyHero Limited's standing among 101 graded names in its industry family: revenue of $80 million in fiscal 2024 ranks in the bottom 19% by size; a net margin of -47.5% ranks in the bottom 17%; revenue growth of 8.7% a year over the last 3 filed years ranks in the top 49% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 0.1/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: MoneyHero Limited's leadership is put at 0.1 of 10 with a confidence of 35 of 100, because read from one part only, the chief executive's years under the title, which ranks in the bottom 1% of 75 in its family; it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
bottom 31% of 99 in its family for room to expand.
From the record
MoneyHero Limited's room to grow, from the newest filed statements (fiscal 2024): cash from operations less capital spending is -31.7% of revenue (bottom 14%); a gross margin of 41.9% (bottom 49%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 47% of 99 in its family for growth drivers.
From the record
MoneyHero Limited's growth drivers, from the filed years to fiscal 2024: revenue grew 8.7% a year over the last three filed years against 8.7% over all 4, speeding up (top 32% of its family); the newest year grew -1.4% (bottom 24%); capital spending grew 6.2% a year (bottom 48%) (its annual reports). MoneyHero Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 49% of 93 in its family for expectations against reality.
From the record
MoneyHero Limited's newest year against its own record: revenue of $80 million in fiscal 2024 came in 13.7% below the $92 million its prior three years' pace pointed to (bottom 15% of its family); net income of $38 million against a prior three-year average of $84 million (bottom 46%); a net margin of -47.5% against losses larger than its revenue before (top 13%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made