MoneyHero
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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.
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Q2 2026 earnings summary11 Sep, 2026

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.

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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.