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MoneyHero (MNY) investor relations material
MoneyHero Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Delivered continued improvement in unit economics, approval quality, and cost discipline, with operational strength in Hong Kong and Singapore.
Strategic focus on margin quality and conversion over volume, prioritizing high-intent customers and cost-effective acquisition.
Total transaction value grew 9% in the first six months of 2026 and was flat year-over-year in Q2, driven by a 77% YoY increase in Q2 cash rewards, targeting high-intent users.
Launched new product categories: home loan comparison in Singapore and online life insurance marketplace in Hong Kong.
Advanced AI transformation initiatives, including in-house voucher management and AI-assisted customer experiences.
Financial highlights
Net loss for Q2 2026 was $1.2 million, mainly due to foreign exchange impacts.
Adjusted EBITDA loss narrowed 17% year-over-year to $1.6 million for the quarter; 49% year-over-year to $2.7 million for the first half.
Revenue for Q2 was $15.8 million, down 13% year-over-year; six-month revenue flat at $32.3 million.
Cash rewards deducted from revenue totaled $5.1 million in Q2, up 77% year-over-year.
Ended Q2 with $28.2 million in cash and no debt.
Outlook and guidance
Focused on translating structural efficiencies into continued full-year adjusted EBITDA improvement.
Second half catalysts include home loan launch in Singapore, AI-assisted search, critical illness insurance in Hong Kong, and expanded voucher management.
Targeting stabilization and re-acceleration of volume in Singapore and profitable volume rebuild in Taiwan.
Continued prioritization of disciplined execution, operational efficiency, and strategic growth initiatives.
- 15% revenue growth and margin expansion driven by core markets and AI-led efficiencies.MNY
Q1 2026 - First-ever quarterly net profit and positive adjusted EBITDA achieved with margin expansion.MNY
Q4 2025 - Profitability inflection achieved through AI, high-margin products, and disciplined execution.MNY
Sidoti's Year End Virtual Investor Conference - Revenue and margins improved sharply, with positive Adjusted EBITDA expected in Q4.MNY
Q3 2025 - Q3 2024 revenue rose 6% to $20.9M, net income reached $5.7M, and operational efficiency improved.MNY
Q3 2024 - Q2 2024 revenue up 24% YoY to $20.7M; targeting Adjusted EBITDA profitability by Q4 2024.MNY
Q2 2024 - Net loss narrowed and margins improved as high-margin verticals drove profitability.MNY
Q1 2025 - Revenue up 24% YoY to $22.2M; insurance and B2B segments drive growth; margin recovery expected.MNY
Q1 2024 - Net loss narrowed and margins improved as high-margin verticals and cost controls drove growth.MNY
Q4 2024
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