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MoneyHero (MNY) investor relations material
MoneyHero Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary19 Sep, 2025
Executive summary
Q2 revenue reached $18 million, with adjusted EBITDA loss narrowing to $2 million and net income at $0.2 million, reflecting a shift to higher margin verticals, disciplined cost management, and AI-driven efficiencies.
Sequential revenue grew over 20% from Q1 to Q2, driven by premium insurance, wealth products, and operational improvements.
Insurance and Wealth verticals now comprise 27% of revenue, up from 22% last year, with group membership expanding 33% YoY to 8.6 million.
Strategic focus on higher-margin verticals and operational discipline underpins sustainable profitability.
AI integration and provider partnerships are enhancing conversion rates, lowering costs, and supporting scalable growth.
Financial highlights
Revenue declined 13% year-over-year to $18 million due to a strategic pivot away from lower margin credit card volume.
Insurance revenue grew 18% YoY to $2.6 million (14% of total), Wealth revenue flat at $2.3 million (13% of total), while credit cards decreased to 61%.
Cost of revenue improved to 51% of revenue, down from 67% in Q2 last year, with gross margin gains.
Operating expenses (excluding FX) fell 37% year-over-year to $20.6 million, with broad-based savings.
Adjusted EBITDA loss narrowed to $2 million from $9.3 million a year ago; net income turned positive from a $12.2 million loss.
Outlook and guidance
H2 guidance anticipates continued 20%+ sequential revenue growth and adjusted EBITDA breakeven in the second half of 2025.
Insurance and Wealth verticals expected to reach 28%–30% of group revenue in H2, supporting profitability milestones.
Strategic focus on scaling insurance, wealth, and fixed-fee programs, with a target of 5% to 10% adjusted EBITDA margins over the next 2–3 years.
Launch of Credit Hero Club in Hong Kong with TransUnion in Q4 to deepen engagement and drive conversions.
Continued investment in product innovation, AI, and long-term growth, balanced with cost discipline.
Quantify AI's impact on operations and revenue.
Explain the revenue decline vs. profit improvement.
What is MoneyHero's M&A strategy?
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Q3 20259 Dec, 2025
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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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