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MoneyHero (MNY) investor relations material

MoneyHero Sidoti's Year End Virtual Investor Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Sidoti's Year End Virtual Investor Conference summary10 Dec, 2025

Business overview and financial highlights

  • Operating in Singapore, Hong Kong, the Philippines, and Taiwan, with 8.8 million members and 260+ partnerships.

  • Achieved $53.5 million in revenue in the first nine months of 2025, with a strong cash position and no debt.

  • Revenue increased 17% quarter-over-quarter and 1% year-over-year in Q3, marking the second consecutive quarter of double-digit growth.

  • Adjusted EBITDA improved by 68% year-over-year, with operating costs down 13% to $23.9 million.

  • Q4 is projected to be the first profitable quarter since listing, driven by a shift to higher-margin products.

Strategic direction and operational model

  • Focused on an AI-first, asset-light model, leveraging partnerships for rapid market entry and efficiency.

  • Strategic shift toward insurance and wealth, now 25% of revenue, with further growth expected.

  • Launched the CreditHero Club in Hong Kong, offering personalized credit insights and lending offers.

  • AI transformation initiative, Odyssey, aims to automate end-to-end processes and enhance profitability.

  • Emphasis on building a data moat through membership growth and recurring engagement.

Market positioning and growth opportunities

  • Holds market leadership in all core regions, with a resilient, trusted brand and strong consumer pull.

  • Operates a two-sided marketplace, serving both consumers and financial institutions with rewards and incentives.

  • Sees a billion-dollar revenue opportunity in a rapidly digitizing region with high smartphone penetration.

  • Insurance and lending are key growth drivers, with digital trust and repeat usage central to the model.

  • Actively exploring selective M&A to accelerate growth and expand capabilities.

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Frequently asked questions

MoneyHero Limited operates as a personal finance aggregation and comparison platform in Greater Southeast Asia. The company provides a range of online tools that allow users to compare financial products such as credit cards, personal loans, mortgages, and insurance. It operates under multiple brand names across different markets, including MoneyHero, SingSaver, Money101, CompareHero, and Seedly. Additionally, MoneyHero partners with banks and financial institutions to offer these products, connecting consumers with a wide array of financial services. The company also runs a B2B platform, Creatory, which collaborates with online content creators and affiliates to extend its reach. MoneyHero Limited is headquartered in Singapore, and its shares are listed on the NASDAQ.

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