With the business potentially at an important milestone, we thought we'd take a closer look at MoneyHero Limited's (NASDAQ:MNY) future prospects. MoneyHero Limited operates as a personal finance company. The US$46m market-cap company posted a loss in its most recent financial year of US$173m and a latest trailing-twelve-month loss of US$127m shrinking the gap between loss and breakeven. As path to profitability is the topic on MoneyHero's investors mind, we've decided to gauge market sentiment. We've put together a brief outline of industry analyst expectations for the company, its year of breakeven and its implied growth rate.

See our latest analysis for MoneyHero

According to the 2 industry analysts covering MoneyHero, the consensus is that breakeven is near. They expect the company to post a final loss in 2025, before turning a profit of US$1.2m in 2026. So, the company is predicted to breakeven approximately 2 years from today. What rate will the company have to grow year-on-year in order to breakeven on this date? Using a line of best fit, we calculated an average annual growth rate of 87%, which signals high confidence from analysts. If this rate turns out to be too aggressive, the company may become profitable much later than analysts predict.

Given this is a high-level overview, we won’t go into details of MoneyHero's upcoming projects, however, keep in mind that typically a high growth rate is not out of the ordinary, particularly when a company is in a period of investment.

One thing we’d like to point out is that MoneyHero has no debt on its balance sheet, which is rare for a loss-making growth company, which usually has a high level of debt relative to its equity. The company currently operates purely off its shareholder funding and has no debt obligation, reducing concerns around repayments and making it a less risky investment.

Next Steps:

There are too many aspects of MoneyHero to cover in one brief article, but the key fundamentals for the company can all be found in one place – MoneyHero's company page on Simply Wall St. We've also compiled a list of essential factors you should further research:

1. Valuation: What is MoneyHero worth today? Has the future growth potential already been factored into the price? The intrinsic value infographic in our free research report helps visualize whether MoneyHero is currently mispriced by the market.

2. Management Team: An experienced management team on the helm increases our confidence in the business – take a look at who sits on MoneyHero’s board and the CEO’s background.

3. Other High-Performing Stocks: Are there other stocks that provide better prospects with proven track records? Explore our free list of these great stocks here.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.