Taken tonight handheld with my iphone 13 pro max:
Well, it is worth pixel-peeping. This is not really good for more than postcard size: it is a grainy, watercolory mess with blown highlights and exaggerated halos that stand out even at postcard size. It is well possible that the processing is stellar for what the phone had to work with (small light sensitivity and sensor offset by multiple computationally combined exposures). But if you put in the work with a good camera (admittedly the light might favor larger sensors than that of the RX10M4, but it should already be a solid start), you should get something that scales better.
Indeed, the shadow makes clear that the bike is lit by a streetlight, not by the moon. And the lack of a pronounced moon shadow makes clear that the streetlight is actually pretty bright.
If "handheld" is the deciding criterion, there may be a point in figuring out what it takes not to have to depend on it.