Q3 2025 MoneyHero Ltd Earnings Call Transcript
Key Points
- MoneyHero Ltd (MNY) reported a 17% sequential increase in revenue for Q3 2025, marking the second consecutive quarter of double-digit sequential revenue growth.
- The company achieved a 68% year-over-year improvement in adjusted EBITDA loss, reflecting a strategic shift towards higher-margin products.
- Operating costs, excluding FX, fell by 13% year-over-year, demonstrating effective cost management and efficiency improvements.
- Project Odyssey, an AI-driven initiative, is expected to enhance unit economics and drive significant improvements in annual EBITDA over the next few years.
- MoneyHero Ltd (MNY) anticipates Q4 2025 to be its first profitable quarter on an adjusted EBITDA basis since listing, driven by strong performance in insurance and wealth verticals.
- Despite the revenue growth, the year-over-year increase was only 1%, indicating modest overall growth compared to previous periods.
- Hong Kong's revenue was slightly lower year-over-year due to a proactive reduction in low-margin credit card campaigns.
- The company is not setting a standalone crypto revenue target, which may limit potential growth in this emerging segment.
- Taiwan and the Philippines markets are recovering gradually and have not yet returned to full run rate following operational challenges.
- The company faces challenges in maintaining momentum and scaling profitability consistently, as highlighted by the need for disciplined capital allocation and strategic optionality.
Good day and welcome to the Money Hero Group 3rd quarter 2025 earnings conference call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question, please press 11. If your question has been answered and you'd like to remove yourself from the queue, please press 11 again.
This call may be recorded. I would like to turn the call over to Minor Pan. Please go ahead.
Thank you. Hello, everyone, and welcome to Money Heroes 20,253 quarter earnings conference call. I am Nina Pan, the head of corporate development.
Before we begin, I would like to remind you today this call will improve forward-looking statements which are inherently subject to res and uncertainties and may not be realized in the future for various reasons. As stated in our earnings press release, which was issued earlier today and is also available on our IR website. In addition, please note that today's discussion will include both
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