Q4 2025 MoneyHero Ltd Earnings Call Transcript
Key Points
- MoneyHero Ltd (MNY) achieved a net profit of $0.5 million in Q4 2025, marking a significant turnaround from a net loss of $18.8 million in the same period last year.
- The company reported its first-ever adjusted EBITDA gain of $0.7 million since listing on Nasdaq.
- Revenue from core markets, Singapore and Hong Kong, surged by 56% and 27% year-over-year, respectively, representing 86% of total Q4 revenue.
- The strategic pivot towards higher-margin verticals, such as insurance and wealth, resulted in a 50% year-over-year growth in wealth revenue in Q4.
- AI initiatives have significantly improved operational efficiency, with AI automation handling up to 70% of customer service queries, leading to a 32% reduction in employee benefit expenses in Q4.
- Full-year 2025 revenue declined by 8% year-over-year to $73.4 million, reflecting the impact of strategic transitions away from low-margin, high-volume products.
- Despite improvements, the company still reported an adjusted EBITDA loss of $6.4 million for the full year 2025.
- Operational disruptions in Taiwan and the Philippines earlier in the year affected revenue performance in these markets.
- The leadership transition, with the search for a permanent CEO underway, may introduce uncertainties during this pivotal scaling phase.
- The restatement of historical members and applications metrics indicates previous inaccuracies in data tracking, which could have impacted past operational assessments.
Good day and welcome to the MoneyHero Group fourth quarter and full year 2025 earnings conference call. (Operator Instructions) I would like to turn the call over to Gretchen Kwan, Corporate Communications Lead. Please go ahead.
Hello, everyone, and welcome to MoneyHero 2025 Q4 and full-year earnings conference call. I'm Gretchen Kwan, Corporate Commissions Lead at MoneyHero.
Before we begin, I would like to remind you that today's call will include forward-looking statements, which are internally subject to risks and uncertainties and may not be realized in the future for various reasons as stated in our earnings release.
Which was featured earlier today and is also available on our IR website. In addition, please note that today's discussion will include both IFRS and non-IFRS financial measures for comparison purposes only. For reconciliations of these non-IFRS measures to the most directly comparable IFRS measures, please refer to our earnings release and SEC filings. Lastly, a
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
