Should I Buy MNY? MNY 2026 Analysis

Should You Buy MoneyHero Ltd (MNY) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Sell

Latest Price

1.180

1 Day change

-1.67%

52 Week Range

2.400

Analysis Updated At

2026/01/30

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MNY is not a good buy right now for an impatient investor. The stock is in a clear bearish trend (SMA_200 > SMA_20 > SMA_5 and MACD worsening), there are no Intellectia buy signals today, and the latest quarter shows widening losses despite slightly higher revenue. While RSI is extremely oversold and could spark a short-lived bounce, the setup is more “dead-cat bounce risk” than a high-conviction entry without a catalyst. Best call: avoid/new-sell rather than buy pre-market at ~1.22.

Technical Analysis

Trend/structure: Bearish. Moving averages are stacked bearishly (SMA_200 > SMA_20 > SMA_5), indicating sustained downside momentum. Momentum: MACD histogram is negative (-0.000836) and negatively expanding, suggesting bearish momentum is strengthening rather than stabilizing. Mean-reversion signal: RSI_6 at 16.794 is deeply oversold, which can produce a short-term rebound, but oversold readings can persist in downtrends. Key levels (pre-market ~1.22): Support sits around S2 1.214 and S1 1.226 (price is trading right around this support band). Near-term resistance is the pivot 1.245, then R1 1.264 and R2 1.276. A credible “buy now” case would typically need reclaiming/holding above ~1.245–1.264; currently it’s below pivot. Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning/sentiment: Extremely call-skewed open interest (put/call OI ratio 0.02; calls OI 1118 vs puts OI 21), which reads as bullish positioning.

But liquidity is thin: today’s volume is only 1 contract (put volume 0), so the volume-based signal is not very informative.

Volatility: Implied vol (30d) is very elevated (~270) vs historical vol (~89), implying the options market is pricing in very large moves; this often coincides with uncertainty and can also mean equity price swings can be sharp in either direction.

Net take: Options open interest is bullish-leaning, but the lack of real volume makes this sentiment signal weaker than it looks.

Technical Summary

Sell

Buy

Positive Catalysts

Technical snapback potential: RSI is extremely oversold, so a short-term rebound toward ~1.245–1.264 is possible if support holds.
Options positioning: Very low put/call open interest ratio suggests bullish bias among existing option holders.
Pattern-based projection: Similar-pattern analysis indicates a modest positive 1-day expectation (70% chance to +1.55% next day) and +3.85% over the next month (model-based, not a catalyst).

Neutral/Negative Catalysts

Primary trend is down: Bearish MA stack and worsening MACD point to continued downside risk; oversold alone is not a durable entry signal.
No news/catalyst support: No notable news in the last week—no event-driven reason for buyers to step in aggressively.
High implied volatility: IV far above historical suggests the market expects instability; price can gap against you.
Macro tape: Pre-market S&P 500 is down (-0.78%), which can pressure small-cap/high-vol names.
Influential trading: No recent congress trading data and no notable hedge/insider accumulation trends (both Neutral), so there’s no “smart money” tailwind visible.

Financial Performance

Latest quarter: 2025/Q3. Revenue: $21.124M, up +0.88% YoY (growth is positive but modest). Profitability: Net income fell to -$3.474M (down -160.72% YoY), and EPS declined to -0.10 (down -200% YoY), indicating losses are widening. Margins: Gross margin improved slightly to 41.64% (+0.29% YoY), but the margin improvement did not translate into bottom-line improvement. Bottom line: The quarter shows weak growth with deteriorating earnings—this is not the kind of fundamental momentum that typically supports buying into a downtrend.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Mixed-to-negative on targets/ratings. - Greenridge (2025-11-26) maintained Buy but cut target to $3 from $4 (acknowledging slower credit card segment growth). - Morgan Stanley (2025-12-05) downgraded (Overweight -> Equal Weight) and cut target (275 -> 220 GBp), citing an “agentic AI overhang” weighing on shares. - Berenberg (2025-12-11) kept Buy but lowered target (300 -> 275 GBp). Wall Street pros vs cons: Pros: Some analysts still see upside longer-term and keep Buy ratings, implying a belief in strategy shift toward higher-margin segments. Cons: Targets are being revised downward and at least one major downgrade signals reduced conviction; near-term “overhang” narratives and slowing segment growth weigh on sentiment.

1 Analyst Rating

Wall Street analysts forecast MNY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for MNY is 3 USD with a low forecast of 3 USD and a high forecast of 3 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 1.200

Low

Averages

High

Current: 1.200

Low

Averages

High

Berenberg

Buy

downgrade

AI Analysis

2025-12-11

Reason

Berenberg

Price Target

AI Analysis

2025-12-11

downgrade

Buy

Reason

Berenberg lowered the firm's price target on Mony Group to 275 GBp from 300 GBp and keeps a Buy rating on the shares.

Morgan Stanley

Overweight -> Equal Weight

downgrade

$275 -> $220

2025-12-05

Reason

Morgan Stanley

Price Target

$275 -> $220

2025-12-05

downgrade

Overweight -> Equal Weight

Reason

Morgan Stanley downgraded Mony Group to Equal Weight from Overweight with a price target of 220 GBp, down from 275 GBp. The firm sees the agentic artificial intelligence "overhang" weighing on the shares in the medium term.

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MNY Should I Buy

MNY Should I Buy

Should You Buy MoneyHero Ltd (MNY) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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