Critical Analysis: MoneyHero (NASDAQ:MNY) & Visa (NYSE:V)

MoneyHero (NASDAQ:MNY) and Visa (NYSE:V) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, profitability, valuation, risk, earnings, institutional ownership and dividends.

Analyst Ratings

This is a breakdown of recent ratings and price targets for MoneyHero and Visa, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MoneyHero	0	0	0	0	N/A
Visa	0	5	18	0	2.78

Visa has a consensus price target of $296.87, indicating a potential upside of 9.43%. Given Visa’s higher probable upside, analysts plainly believe Visa is more favorable than MoneyHero.

Volatility and Risk

MoneyHero has a beta of 1.45, indicating that its stock price is 45% more volatile than the S&P 500. Comparatively, Visa has a beta of 0.96, indicating that its stock price is 4% less volatile than the S&P 500.

Profitability

This table compares MoneyHero and Visa’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
MoneyHero	N/A	N/A	-8.85%
Visa	53.92%	50.02%	20.83%

Valuation & Earnings

This table compares MoneyHero and Visa’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyHero	N/A	N/A	$23.22 million	($1.67)	-1.30
Visa	$33.35 billion	14.94	$17.27 billion	$8.69	31.22

Visa has higher revenue and earnings than MoneyHero. MoneyHero is trading at a lower price-to-earnings ratio than Visa, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

30.9% of MoneyHero shares are held by institutional investors. Comparatively, 82.2% of Visa shares are held by institutional investors. 19.2% of MoneyHero shares are held by company insiders. Comparatively, 0.2% of Visa shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Visa beats MoneyHero on 10 of the 12 factors compared between the two stocks.

About MoneyHero

MoneyHero Limited operates as a personal finance company. The company was founded in 2014 and is headquartered in Singapore.

About Visa

Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a solution that facilitates the delivery of funds to eligible cards, deposit accounts, and digital wallets; Visa B2B Connect, a multilateral business-to-business cross-border payments network; Visa Cross-Border Solution, a cross-border consumer payments solution; and Visa DPS that provides a range of value-added services, including fraud mitigation, dispute management, data analytics, campaign management, a suite of digital solutions, and contact center services. The company also provides acceptance solutions, which include Cybersource that provides modular and value-added services for connecting merchants to payment processing; risk and identity solutions, such as Visa Advanced Authorization, Visa Secure, Visa Risk and Decision Manager, Visa Consumer Authentication Service, and payment-decisioning solutions for fraud prevention; and Visa Consulting and Analytics, a payment consulting advisory services. It provides its services under the Visa, Visa Electron, Interlink, V PAY, and PLUS brand names. The company serves merchants, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.