MoneyHero (MNY) investor relations material

Executive summary

• Revenue grew 15% year-over-year to $16.5 million, led by strong performance in core markets and higher-margin Wealth and Insurance verticals, which rose 31% and now comprise over 28% of total revenue.

• Operating efficiency improved as combined technology, employee, and marketing expenses fell 13% year-over-year to $8.5 million, driven by AI-driven automation and streamlined headcount.

• Adjusted EBITDA loss narrowed by 68% year-over-year to $1.1 million, reflecting robust operational improvements and a clear path to profitability.

• Net loss widened to $6.7 million from $2.4 million, mainly due to non-cash fair value adjustments, unrealized FX losses, and non-recurring legal/professional fees.

• Core markets Hong Kong and Singapore contributed over 85% of group revenue, with Hong Kong revenue up 33% and Singapore up 11% year-over-year.

Financial highlights

• Revenue: $16.5 million, up from $14.3 million year-over-year.

• Adjusted EBITDA loss: $1.1 million, improved from $3.3 million year-over-year.

• Net loss: $6.7 million, compared to $2.4 million prior year, impacted by non-cash items.

• Technology, employee, and marketing expenses: $8.5 million, down from $9.8 million year-over-year.

• Ended the quarter with $28 million in cash, $32.8 million in net current assets, and no debt.

Outlook and guidance

• Management remains confident in the long-term strategy and growth opportunities for the remainder of 2026, focusing on disciplined execution, operational efficiency, and AI-driven transformation.

• Focus remains on talent retention, operational efficiency, and strategic initiatives, including scaling AI and growing high-margin verticals.

• Continued investment in organic growth and expansion of strategic initiatives, such as the Credit Hero Club in Hong Kong.