MoneyHero (MNY) Q4 2025 earnings summary

Executive summary

• Achieved first-ever adjusted EBITDA gain and net profit in Q4 2025, reversing significant prior losses and marking a turnaround.

• Completed a two-year strategic repositioning, focusing on profitable growth and high-margin verticals.

• Leadership transition underway, with interim CEO/CFO in place and a search for a permanent CEO as the company enters a scaling phase.

• Revenue mix shifted toward higher-margin Insurance and Wealth products, driving margin expansion.

Financial highlights

• Q4 2025 net profit of $0.5 million, compared to a net loss of $18.8 million in Q4 2024.

• Adjusted EBITDA for Q4 was $0.7 million, first positive since Nasdaq listing.

• Full year adjusted EBITDA loss improved 73% to $6.4 million from $23.7 million; net loss narrowed 86% to $5.2 million from $37.8 million.

• Q4 revenue grew 27% year-over-year to $20 million; full year revenue was $73.4 million, down 8% year-over-year due to strategic mix shift.

• Ended 2025 debt-free with $31.2 million in cash and $37.5 million in net current assets.

Outlook and guidance

• Expect full year 2026 adjusted EBITDA to exceed 2025 levels, driven by high-margin verticals and AI-driven operating leverage.

• Continued focus on expanding insurance and wealth products, leveraging AI for efficiency and growth.

• Continued investment in AI, product innovation, and higher-margin products planned.