MoneyHero Limited reported third‑quarter 2025 results that showed a 17% sequential rise in revenue to US$21.1 million, a 1% year‑over‑year increase that beat the consensus estimate of US$20.82 million by US$0.28 million (about 1.3%). The revenue growth was driven largely by a 13% increase in insurance revenue and a 5% rise in wealth‑management revenue, which together now account for 23% of total revenue – up two percentage points from the same period last year. Credit‑card revenue, the company’s largest segment, slipped slightly to 61% of total revenue from 62% in Q3 2024, reflecting a modest shift toward higher‑margin verticals.
The company posted a net loss of US$3.5 million, compared with a net income of US$5.7 million in the same quarter last year, the prior income largely driven by unrealized foreign‑exchange gains. Adjusted EBITDA narrowed to a loss of US$1.8 million, a significant improvement from the US$5.5 million loss a year earlier, and the adjusted EBITDA margin expanded to –8.4% from –26.5% in Q3 2024. The margin improvement reflects both a more favorable revenue mix and disciplined cost management, with operating expenses excluding foreign‑exchange differences falling 13% year‑over‑year to US$23.9 million.
Management highlighted that the company is on track to achieve positive adjusted EBITDA in the second half of 2025 and to reach US$100 million in full‑year revenue. CEO Rohith Murthy emphasized the firm’s strong liquidity, noting a cash and cash‑equivalent balance of US$27.9 million and no material debt, which provides a solid foundation for continued investment in AI‑driven efficiencies and higher‑margin product expansion across its Greater Southeast Asia footprint. "We ended the quarter with US$27.9 million in cash and no material debt, giving us a solid liquidity position to support disciplined investment in AI, product innovation and higher‑margin verticals," Murthy said.
The company’s earnings per share fell short of expectations, reporting a non‑GAAP EPS loss of US$0.10 versus the consensus estimate of a $-0.02 loss. The EPS miss is likely attributable to higher operating costs and the impact of one‑time charges, offsetting the gains from the improved revenue mix. Despite the EPS miss, the revenue beat and margin expansion have been viewed positively by investors, who noted the company’s progress toward profitability and its strategic shift toward higher‑margin segments.
Investors responded to the results with a mixed reaction. Analysts highlighted the revenue beat and the narrowing of the adjusted EBITDA loss, while the EPS miss tempered enthusiasm. The company’s guidance for positive adjusted EBITDA in Q4 and a full‑year revenue target of US$100 million signal confidence in its turnaround strategy and the continued execution of its AI and higher‑margin initiatives.
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