MoneyHero (MNY) investor relations material

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.