MoneyHero Earnings Call Transcripts
Fiscal Year 2025
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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.
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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.
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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.
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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.
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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
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Q4 and full-year 2024 saw improved profitability, with adjusted EBITDA loss narrowing and strong growth in insurance and wealth revenues. Strategic focus on high-margin products, operational efficiency, and AI-driven initiatives positions the company for $100M revenue and positive adjusted EBITDA in 2025.
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Q3 2024 saw 6% revenue growth to $20.9M, driven by strong gains in the Philippines and Hong Kong, while Adjusted EBITDA loss narrowed by over 40% quarter-on-quarter. Strategic restructuring, new high-margin products, and a centralized data platform position the group for continued margin recovery and sustainable growth.
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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.
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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.