Momo is a very prudent, dedicated person who acts as a natural leader. She is generally level-headed and calm in dangerous situations, but she isn't above falling into a panic. Momo can be blunt with her comments about people's mistakes and miscalculations, tending to be very honest and wishing to help her peers improve enough to become great heroes, like tutoring them on her home. Momo shows further development as a selfless hero who gets inspiration from others, realizing the important thing is to focus on saving her and help them out at that moment even if it means losing her provisional hero license.Determined and thirsty for victory, Katsuki smiles eerily when in the middle of a battle. He is incredibly focused on achieving his own authentic victories and has learned to never underestimate his opponents. Katsuki is not only very talented at fighting, but also very intelligent and extremely perceptive, capable of strategic planning and holding some of the highest grades in his class, to the point that some even consider him a natural genius.

While originally confident in herself, Momo's pride was crushed after her rapid loss to Fumikage Tokoyami in the U.A. Sports Festival and the comparisons she made between Shoto Todoroki and herself, starting to lose confidence in her own ability to make quick choices on practical situations. It was further damaged during Uwabami's shallow internship, believing the heroine chose her despite being "an unworthy student" and tried to find deeper lessons to reassure herself. Thanks to Shoto's encouragement on their final exams, Momo regained confidence on her quick-thinking, learning people have different skills and sometimes can complement each other. Even when she was weakened and trapped by her opponents, she doesn't give up and shows the increase of her Quirk output, ultimately defeating her enemies.

When she displays excitement towards pass time with her friends or help them, Momo becomes upbeat and eager. She also tends to accidentally reveal how rich she is, yet most people understand she doesn't do it out of malice. Despite her mature mannerisms, she occasionally finds herself roped into silly situations such as cheerleading, although she rarely expresses much enthusiasm in doing so.

Momo typically takes adverse situations in stride, expressing little concern for losing most of her clothing in battle; as she knows how to construct another set, and would have made her costume even more revealing were it not for restrictions on exposed skin in a costume. However, this often makes others think of her as an exhibitionist. Ironically, she is rather innocent and sensitive to vulgarity and rude mannerisms, constantly frustrated by sexual advancements from Minoru Mineta and Katsuki Bakugo's crude attitude.