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Grab
Grab (GRAB) investor relations material
Grab Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved first full year of net profitability in 2025, with net profit of $200 million and Q4 profit of $153 million, alongside Adjusted Free Cash Flow doubling to $290 million year-over-year.
On-demand GMV grew 21% year-over-year in Q4 and FY 2025, driven by product-led affordability and strong user engagement.
Monthly Transacting Users surpassed 50 million in Q4, up 15% year-over-year, with a monthly user conversion rate of 37%.
Launched digital banks in Indonesia, Singapore, and Malaysia; Superbank IPO in Indonesia was oversubscribed 318 times.
Announced acquisition of Stash, a U.S.-based digital investing platform, to accelerate wealth management capabilities.
Financial highlights
Q4 2025 revenue grew 19% year-over-year to $906 million; full year revenue reached $3.37 billion, up 20% year-over-year.
Q4 Adjusted EBITDA rose 54% year-over-year to $148 million; full year Adjusted EBITDA was $500 million, up 60% year-over-year.
Adjusted Free Cash Flow for 2025 was $290 million, a 78% increase year-over-year; Q4 Adjusted Free Cash Flow was $76 million.
Gross cash liquidity at year-end was $7.4 billion; net cash liquidity was $5.4 billion.
Operating profit for Q4 was $52 million, up from $2 million in Q4 2024; full year operating profit was $65 million, reversing a $168 million loss in 2024.
Outlook and guidance
2026 revenue guidance: $4.04–$4.10 billion, representing 20–22% year-over-year growth.
2026 Adjusted EBITDA guidance: $700–$720 million, up 40–44% year-over-year.
2025–2028 guidance: 20% CAGR in group revenues, Adjusted EBITDA to reach $1.5 billion, and Adjusted Free Cash Flow conversion to expand to 80%.
Financial services segment expected to reach EBITDA breakeven in H2 2026.
By 2028, anticipate over $1.2 billion in full-year Adjusted Free Cash Flow.
Why $500M share repurchase now?
Financial Services segment path to profit?
Explain operating cash flow decline vs. A-FCF growth.
Q4 incentive efficiency trend
Loan portfolio growth drivers
2028 Adjusted EBITDA target confidence
GrabMart's strategy to increase GMV share
How AI enables lean, agile scaling
Stash: How it will expand SEA Financial Services
Partial view of Summaries dataset, powered by Quartr API
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Frequently asked questions
Grab Holdings Limited operates a Southeast Asian superapp offering services such as ride-hailing, food delivery, digital payments, and financial services. The company serves consumers and merchants through its integrated mobile platform across several countries in the region. It is headquartered in Singapore, and its shares are listed on the NASDAQ.
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