Not a good buy right now for an impatient investor: trend is still bearish (SMA_200 > SMA_20 > SMA_5) and there is no proprietary “buy” signal today.
Price (~1.175) is sitting just below/around near-term support (S1 ~1.181 / S2 ~1.157). This is a weak location to initiate a position unless you’re specifically trading an oversold bounce.
Options positioning is extremely call-heavy (OI put/call ~0.03) but with near-zero volume and extremely high IV, which looks more like illiquid/speculative positioning than a reliable bullish tell.
Fundamentals show weak growth and worsening losses (2025/Q3), so the stock needs a technical reversal or a catalyst to justify buying aggressively.
Momentum: MACD histogram is below 0 (-0.00411) but “negatively contracting,” suggesting bearish momentum may be fading (possible early stabilization, not a confirmed reversal).
RSI: RSI_6 at 24.27 implies oversold conditions (bounce risk exists), but oversold alone is not a buy signal without confirmation.
Levels: Pivot 1.219 (overhead), resistance at 1.257 / 1.281; support at 1.181 then 1.157. Current price (1.175) is between S1 and S2—failure to hold S2 would be a fresh breakdown.
Pattern-based forward view: Similar-pattern analysis shows ~40% chance of -1.26% next day, ~-0.07% next week, and +3.6% next month—near-term still choppy/weak with only modest upside odds over a month.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Open interest is heavily skewed to calls (calls OI 526 vs puts OI 18), which is bullish in isolation, but it may be distorted by low liquidity.
Options volume is effectively zero today (call vol 0, put vol 0), so current-day sentiment from volume is not informative.
Implied volatility is extremely high (30D IV ~397.56; IV percentile 93.6), signaling very expensive option pricing and elevated uncertainty; this often aligns with speculative small-cap behavior rather than clean directional conviction.
Historical volatility is much lower (~16.34), highlighting how stretched current IV is versus realized movement.
Technical Summary
Sell
7
Buy
7
Positive Catalysts
can fuel short-term bounce attempts, especially if price reclaims the pivot area (~1.219).
Neutral/Negative Catalysts
breaks.
Financial Performance
Latest quarter provided: 2025/Q3.
Revenue: 21.124M, up +0.88% YoY (slow growth).
Profitability: Net income -3.474M, down -160.72% YoY (loss widened materially).
EPS: -0.10, down -200.00% YoY (worsening earnings power).
Margins: Gross margin 41.64%, up +0.29% YoY (slight improvement, but not enough to offset deeper losses).
Takeaway: Operating performance does not yet show a clean turnaround; growth is modest and losses are expanding—weak fundamental support for an immediate buy.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: price targets have been cut and one notable downgrade occurred, indicating Wall Street sentiment has become more cautious.
Greenridge (2025-11-26): Maintains Buy, but lowers PT to $3 from $4; cites slower credit card growth but potential shift to higher-margin, higher-growth segments.
Morgan Stanley (2025-12-05): Downgrades to Equal Weight from Overweight; lowers PT to 220 GBp from 275 GBp; flags “agentic AI overhang” as a medium-term headwind.
Berenberg (2025-12-11): Keeps Buy and trims PT (note: this entry references Mony Group in GBp; treat as potentially less directly comparable to MNY, but it still reflects a broader cautious PT-cut tone).
Wall Street pros: potential upside if higher-margin segments scale and margin mix improves.
Wall Street cons: slowing growth areas, AI-related overhang narrative, and ongoing losses; PT cuts/downgrades reduce urgency to buy immediately.
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 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: 1.180
Low
3
Averages
3
High
3
Current: 1.180
Low
3
Averages
3
High
3
Berenberg
Buy
to
Buy
downgrade
AI Analysis
2025-12-11
Reason
Berenberg
Price Target
AI Analysis
2025-12-11
downgrade
Buy
to
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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