MoneyHero Earnings Call Transcripts
Fiscal Year 2026
-
Revenue grew 15% year-over-year to $16.5 million, led by strong results in Hong Kong and Singapore and a strategic shift to higher-margin products. Adjusted EBITDA loss narrowed by 68%, while net loss widened due to non-cash and one-time items. AI-driven efficiencies and a strong balance sheet support continued profitable scaling.
Fiscal Year 2025
-
Delivered first-ever adjusted EBITDA gain and net profit in Q4 2025, driven by a strategic pivot to high-margin verticals and AI-driven efficiency. Revenue mix improved, costs declined, and the company ended the year debt-free with strong cash reserves.
-
The group is nearing its first profitable quarter, driven by a strategic shift to higher-margin insurance and wealth products, AI-driven efficiencies, and disciplined cost management. Market leadership, strong partnerships, and a scalable, asset-light model position it for sustained growth.
-
Q3 saw 17% sequential revenue growth and a 68% YoY improvement in Adjusted EBITDA loss, driven by a shift to higher-margin Insurance and Wealth segments and significant cost reductions through AI automation. Q4 is expected to be the first profitable quarter on an Adjusted EBITDA basis since listing.
-
Q2 saw a 20% sequential revenue increase and a positive net income, driven by a strategic shift to higher margin insurance and wealth segments, disciplined cost control, and AI integration. The outlook targets continued growth and adjusted EBITDA breakeven in H2 2025.
-
Profitability improved with net loss narrowing to $2.4M and gross margin expanding as high-margin verticals like insurance and wealth grew. Strategic cost reductions and AI-driven efficiencies support the path to positive adjusted EBITDA and $100M revenue target for 2025.
Fiscal Year 2024
-
Q4 and FY2024 saw improved profitability, with adjusted EBITDA loss narrowing and gross margin expanding. Strategic focus on high-margin verticals like insurance and wealth drove segment growth, while restructuring and cost controls enhanced efficiency.
-
Q3 2024 saw 6% year-over-year revenue growth to $20.9M, with Adjusted EBITDA loss narrowing by over 40% quarter-on-quarter. Insurance and high-margin products drove growth, while restructuring and data centralization improved efficiency. Net income rose to $5.7M, aided by FX gains.
-
Q2 2024 saw 24% YoY revenue growth to $20.7M, led by strong gains in Singapore and Hong Kong, while insurance revenue surged 89% YoY. Adjusted EBITDA loss widened due to strategic investments, but profitability is targeted by year-end.
-
Q1 2024 revenue grew 24% YoY to $22.2M, led by strong gains in Singapore and Hong Kong, while insurance and B2B segments outperformed. Adjusted EBITDA loss widened due to strategic investments, but margin recovery and profitability are expected later in 2024.