Core Insights - The year 2025 was a transformative period for the company, marking a strategic reset that led to Adjusted EBITDA profitability through operational discipline [1][3][21] - The company has successfully transitioned from a loss-making entity to one focused on sustainable growth, emphasizing healthy unit economics and AI-driven insights [2][5][10] - Despite operational improvements, the company's share price is perceived as undervalued, indicating potential upside for long-term investors [4][17] Financial Performance - The company reported significant year-over-year improvements in financial metrics, with revenue growth from US$14.3 million in Q1 to US$21.1 million in Q3 2025 [8] - Adjusted EBITDA losses narrowed from US$(3.3) million in Q1 to US$(1.8) million in Q3, reflecting improved operational efficiency [8] - The cost-to-income ratio decreased from 83% in Q1 to 55% in Q3, showcasing enhanced financial discipline [8] Strategic Initiatives - The company is focusing on a structural revenue mix shift, with insurance, wealth, and lending becoming key profit engines [11] - Project Odyssey, an AI-driven initiative, has automated 70-80% of service queries, enhancing operational efficiency without increasing headcount [11][12] - The company aims to deepen market penetration through strategic partnerships, particularly in Singapore and the Philippines, to enhance product offerings and capture new revenue streams [14] Market Positioning - The company is positioned to capitalize on its competitive advantages, including a strong distribution network, data capabilities, and a multi-market presence [12][20] - Membership and multi-product adoption are expected to deepen customer relationships and drive long-term value [13] - The company aspires to join the ranks of fintech firms that achieve profitable growth and structural margin expansion [15] Future Outlook - The company plans to shift capital allocation from survival to strategic value creation as it approaches Adjusted EBITDA profitability [16] - There is an emphasis on investing in high-return growth levers and evaluating potential acquisitions to enhance scale and unit economics [19] - The company is committed to maintaining financial discipline and increasing customer lifetime value while scaling efficiencies across all markets [18]

MoneyHero Group Conference Summary Company Overview - **Company**: MoneyHero Group (NasdaqGM: MNY) - **Industry**: Personal Finance and Digital Insurance Brokerage - **Key Markets**: Singapore, Hong Kong, Philippines, Taiwan - **Membership**: 8.8 million members across four key markets [3][4] - **Financial Position**: Approximately $28 million in cash and no debt [3] Core Financial Highlights - **Revenue**: Generated $53.5 million in revenue in the first nine months of 2025, with a 17% increase from the previous quarter and a 1% increase year-over-year [4][20] - **Adjusted EBITDA**: Improved by 68% year-over-year, narrowing the loss to $1.8 million from $5.5 million in Q3 of the previous year [5][20] - **Revenue Mix**: Insurance and wealth sectors now account for 25% of revenue, up from 19% in the first nine months of 2024 [21] Strategic Focus and Growth Drivers - **Path to Profitability**: Anticipates Q4 2025 to be the first profitable quarter since listing, driven by a shift towards higher-margin products and a lighter cost structure [6][10] - **AI-First Strategy**: Implementing an AI-driven approach to enhance customer acquisition, service efficiency, and operational costs [4][10][16] - **Market Leadership**: Positioned as a market leader in all core markets, leveraging strong partnerships with over 260 commercial partners [3][6] Investment Thesis - **Five Pillars of Growth**: 1. Profitability inflection with a clear path to positive EBITDA 2. Multi-geography presence providing a competitive moat 3. AI-native operating model enhancing customer acquisition and service costs 4. Premium valuation opportunity compared to peers 5. Disciplined execution leading to consistent improvements in EBITDA and operating expenses [6][7][8] Product and Service Offerings - **Core Businesses**: - B2C marketplace for financial products - Licensed insurance brokerage in three markets - B2B marketing arm (Creatory) for content creators - Largest personal finance community platform in Singapore [11][12] - **Membership Program**: Launched CreditHero Club in Hong Kong, providing personalized product insights and lending offers [17] Market Opportunities - **Addressable Market**: Believes in a billion-dollar revenue opportunity, particularly in insurance and consumer lending, with a focus on margin growth [19] - **Consumer Engagement**: Strong emphasis on building a loyal membership base to enhance data insights and customer lifetime value [18][20] Cost Management and Efficiency - **Operating Costs**: Reduced total operating costs by 13% year-over-year through strict control and AI-driven efficiencies [22] - **Customer Acquisition Costs**: Approximately 50% of total revenue is allocated to reward costs for user acquisition, with a strategic shift towards higher-margin products to reduce this percentage [28] Challenges and Considerations - **Insurance Market Education**: Recognizes the need for consumer education in insurance, which is less of an impulse purchase compared to credit products [25][26] - **Technology Investment**: Acknowledges the importance of a strong digital purchasing journey for insurance products, which is supported by strategic partnerships [25][26] Future Outlook - **Digital Currency Initiatives**: Engaging in compliance-first discussions regarding digital assets, with plans for future announcements [29][30] - **B2B Partnerships**: Strong reliance from banking and insurance partners on MoneyHero for customer acquisition, indicating a robust revenue model [31] This summary encapsulates the key points from the MoneyHero Group conference, highlighting the company's strategic direction, financial performance, and market opportunities.

Financial Data and Key Metrics Changes - In Q3 2025, the company reported revenue of $21.1 million, representing a 17% increase quarter-on-quarter and a 1% increase year-on-year, marking the second consecutive quarter of double-digit sequential revenue growth [5][14] - Adjusted EBITDA loss improved by 68% year-on-year to negative $1.8 million, with the adjusted EBITDA margin improving from minus 26.5% to minus 8.4% [5][18] - Over the past nine months, adjusted EBITDA improved by 67% year-on-year, while net loss narrowed from $19.6 million to $5.7 million [5][6] Business Line Data and Key Metrics Changes - Insurance and wealth now account for 23% of total revenue, with insurance revenue increasing by 13% year-on-year to $2.3 million and wealth revenue growing by 5% to $2.6 million [6][15] - The company is shifting towards higher-margin products, which are expected to take a larger share of revenue in the coming years [6][10] Market Data and Key Metrics Changes - Singapore's revenue rose to $10.2 million from $7.9 million year-on-year, while Hong Kong's revenue was $7.5 million, slightly lower year-on-year but stable sequentially [15][16] - Taiwan and the Philippines reported revenues of $1 million and $2.4 million, respectively, showing gradual recovery [16] Company Strategy and Development Direction - The company is focused on delivering healthy annual revenue growth, continued margin expansion, and sustained positive free cash flow through a shift towards higher-margin products and AI-enabled operating leverage via Project Odyssey [4][10] - Project Odyssey aims to enhance operational efficiency and improve unit economics across major verticals, positioning the company as an AI-native financial decisioning platform [8][9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence that Q4 2025 will be the first quarter of positive adjusted EBITDA since listing, driven by improved revenue mix and cost structure [10][20] - The company anticipates solid top-line growth and further revenue mix improvement towards insurance and wealth in 2026 [11][12] Other Important Information - Operating costs, excluding FX, fell by 13% year-on-year to $23.9 million, with significant reductions in technology and employee benefit expenses [7][17] - The company plans to pursue disciplined capital allocation and explore M&A opportunities that align with its strategic goals [12][37] Q&A Session Summary Question: What is the plan for the crypto segment? - The company plans to integrate digital assets into broader wealth journeys without setting standalone revenue targets, viewing it as an upside within the wealth segment [29] Question: Can you elaborate on the AI displacement risk? - Management sees AI as an amplifier of value rather than a risk, emphasizing their role in aggregating and curating data across various platforms [31] Question: Any further partnership potential? - The company is exploring partnerships within the ecosystem, particularly in Hong Kong, to create value through strategic collaborations [32] Question: Why did Adjusted EBITDA improve significantly despite flat revenue? - The improvement was driven by a high-quality revenue mix and structurally lower operating costs, reflecting the execution of a strategic reset [25][26] Question: How is the Credit Hero Club performing? - The Credit Hero Club is expected to enhance the personal loan segment, especially during tax loan season, by providing personalized offers based on credit profiles [38][40] Question: Outlook for different segments in 2026? - The company anticipates continued growth in higher-margin verticals like insurance and wealth, while also improving economics in cyclical categories [41][44]

Financial Data and Key Metrics Changes - In Q3 2025, the company reported revenue of $21.1 million, representing a 17% increase quarter-on-quarter and a 1% increase year-on-year, marking the second consecutive quarter of double-digit sequential revenue growth [5][15] - Adjusted EBITDA loss improved by 68% year-on-year to negative $1.8 million, with the adjusted EBITDA margin improving from minus 26.5% to minus 8.4% [5][19] - Over the past nine months, adjusted EBITDA improved 67% year-on-year, while net loss narrowed from $19.6 million to $5.7 million [5][6] Business Line Data and Key Metrics Changes - Insurance revenue grew 13% year-on-year to $2.3 million, while wealth revenue increased by 5% to $2.6 million, together accounting for 23% of group revenue, up from 21% a year ago [6][16] - Operating costs, excluding foreign exchange, fell 13% year-on-year to $23.9 million, with technology costs decreasing from $2 million to $0.9 million and employee benefit expenses dropping from $5.7 million to $4.2 million [7][18] Market Data and Key Metrics Changes - Singapore's revenue rose to $10.2 million from $7.9 million a year ago, while Hong Kong delivered $7.5 million in revenue, slightly lower year-on-year but in line with expectations [16][17] - Taiwan and the Philippines reported revenues of $1 million and $2.4 million, respectively, showing gradual recovery [17] Company Strategy and Development Direction - The company is focused on delivering healthy annual revenue growth, continued margin expansion, and sustained positive free cash flow through a shift towards higher-margin products and AI-enabled operating leverage via Project Odyssey [4][10] - The strategic pivot aims to build durable compounding earnings power rather than chasing volume-led growth, with a clear path for high-margin verticals to take a larger share of revenue [6][12] Management Comments on Operating Environment and Future Outlook - Management expressed confidence in Q4 being the first quarter of positive adjusted EBITDA since listing, driven by a stronger revenue mix and improved cost structure [11][20] - The company anticipates solid top-line growth and meaningful improvement in profitability for the full year 2026, with a focus on scaling high-margin verticals [12][26] Other Important Information - Project Odyssey is a core pillar for medium-term value creation, integrating various AI-driven capabilities to enhance operational efficiency and improve unit economics [9][10] - The company plans to pursue disciplined capital allocation, focusing on organic investments and potential M&A opportunities that align with its AI-enabled operating model [35][36] Q&A Session Summary Question: What is the plan for the crypto segment? - The company plans to integrate digital assets into broader wealth journeys without setting standalone revenue targets, viewing it as an upside within the wealth segment [27][29] Question: Can you elaborate on the AI displacement risk? - Management sees AI as an amplifier of value rather than a risk, emphasizing their role in aggregating and curating data across various financial platforms [30] Question: Any further partnership potential? - The company is exploring partnerships within the ecosystem, particularly in Hong Kong, to create value through strategic collaborations [31] Question: Why is there a significant improvement in Adjusted EBITDA despite flat revenue? - The improvement is attributed to a high-quality revenue mix and structurally lower operating costs, reflecting the execution of a strategic reset [24][25] Question: How is the Credit Hero Club performing? - The Credit Hero Club is expected to enhance the personal loan segment, particularly during tax loan season, by providing personalized offers based on credit profiles [38][39] Question: Outlook for different segments in 2026? - The company anticipates a shift towards higher-margin verticals, with credit cards remaining a core vertical while personal loans and insurance are expected to drive margin improvements [40][41]

分组1 - MoneyHero Limited reported a quarterly loss of $0.1 per share, which was worse than the Zacks Consensus Estimate of a loss of $0.02, marking an earnings surprise of -400.00% [1] - The company posted revenues of $21.12 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 1.46% and showing a year-over-year increase from $20.94 million [2] - The stock has increased approximately 42.9% since the beginning of the year, outperforming the S&P 500's gain of 16.6% [3] 分组2 - The earnings outlook for MoneyHero Limited is uncertain, with current consensus EPS estimates of -$0.01 on revenues of $21.82 million for the coming quarter and -$0.08 on revenues of $74.98 million for the current fiscal year [7] - The Zacks Industry Rank for Financial - Miscellaneous Services is in the top 26% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - The estimate revisions trend for MoneyHero Limited was unfavorable prior to the earnings release, resulting in a Zacks Rank 4 (Sell) for the stock, suggesting expected underperformance in the near future [6]

Exhibit 99.1 MoneyHero Group Reports Third Quarter 2025 Results SINGAPORE, December 5, 2025 (GLOBE NEWSWIRE) -- MoneyHero Limited (Nasdaq: MNY) ("MoneyHero" or the "Company"), a leading tech- and AI-powered personal finance aggregation and comparison platform and a digital insurance brokerage provider in Greater Southeast Asia, today announced its financial results for the third quarter ended September 30, 2025. Management Commentary: Rohith Murthy, Chief Executive Officer, stated: "The third quarter was an ...

Core Insights - MoneyHero Limited reported a revenue of US$21.1 million for Q3 2025, reflecting a 17% sequential increase and a 1% year-over-year growth, indicating a recovery in revenue momentum [2][7][14] - The company experienced a net loss of US$3.5 million in Q3 2025, compared to a net income of US$5.7 million in the same period last year, primarily due to unrealized foreign exchange gains in the prior year [2][16] - Adjusted EBITDA loss improved by 68% year-over-year to US$1.8 million, with the Adjusted EBITDA margin improving from -26.5% to -8.4% [12][16] Financial Performance - Revenue from insurance products increased by 13% year-over-year to US$2.3 million, while wealth revenue grew by 5% to US$2.6 million, together accounting for 23% of total revenue [8][14] - Total operating costs and expenses decreased by 13% year-over-year to US$23.9 million, driven by efficiencies in marketing, technology, and employee expenses [3][9][16] - The company ended Q3 2025 with US$27.9 million in cash and cash equivalents, indicating a solid liquidity position [14] Operational Highlights - Monthly unique users reached 5.1 million for the three months ended September 30, 2025, with MoneyHero Group Members growing by 27% year-over-year to 8.8 million [16][20] - The company is focusing on scaling higher-value revenue from insurance and wealth verticals, with expectations for Q4 2025 to be the first quarter of positive Adjusted EBITDA since listing [5][6][13] - Project Odyssey, an AI-driven initiative, is enhancing customer journeys and operational efficiencies, contributing to lower customer acquisition costs and improved service volumes [4][6][12] Market Position - MoneyHero operates in Greater Southeast Asia, with a strong presence in Singapore, Hong Kong, Taiwan, and the Philippines, leveraging a diverse brand portfolio [22] - The company has over 260 commercial partner relationships, enhancing its market leadership in digital personal finance [22] - The strategic pivot initiated in the second half of 2024 is showing early signs of structural operating leverage and financial turnaround [2][6][12]

With U.S. stock futures trading higher this morning on Friday, some of the stocks that may grab investor focus today are as follows:Wall Street expects Victoria’s Secret & Co. (NYSE:VSCO) to report a quarterly loss of 59 cents per share on revenue of $1.41 billion before the opening bell, according to data from Benzinga Pro. Victoria’s Secret shares rose 2.2% to $42.50 in after-hours trading.Hewlett Packard Enterprise Co. (NYSE:HPE) reported mixed fourth-quarter financial results and issued weak first-quart ...

Core Insights - MoneyHero Limited has announced a collaboration with HashKey Group to expand its digital asset wealth product offerings in Greater Southeast Asia, particularly in Hong Kong [1][2][3] Group 1: Company Overview - MoneyHero Limited is a tech- and AI-powered personal finance aggregation and comparison platform operating in Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio that includes various B2C and B2B platforms [5] - As of June 30, 2025, MoneyHero had over 270 commercial partner relationships and approximately 5.3 million Monthly Unique Users across its platform [5] Group 2: Collaboration Details - The partnership with HashKey will enhance MoneyHero's existing digital asset offerings and expand its network of Securities and Futures Commission of Hong Kong (SFC)-licensed institutions, providing consumers with more informed financial choices [2][4] - This collaboration aims to create regulated pathways for broader participation in the digital asset economy, aligning with MoneyHero's strategy to develop a comprehensive personal finance ecosystem [4] Group 3: Industry Context - The collaboration is set against the backdrop of Hong Kong's emergence as a progressive digital asset market, supported by government policies and a stablecoin regulatory regime [3] - The partnership is expected to contribute to Hong Kong's growth as a hub for financial innovation, capitalizing on the increasing interest in digital assets [3]

Core Insights - MoneyHero Limited has announced a strategic partnership with InsureMO to enhance digital insurance offerings in the Philippines through its local brand Moneymax [1][3] - The Philippines has a low insurance penetration rate of approximately 2% of GDP, significantly below the regional average of 4-5%, indicating a substantial market opportunity [2] - The partnership aims to address the underserved motor insurance market, where only about 1 in 3 vehicles has comprehensive coverage [2] Company Overview - MoneyHero Limited operates as a tech- and AI-powered personal finance aggregation platform, providing consumers with tools to compare and choose financial products [6] - The company has a presence in multiple Asian markets, including Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio of brands including MoneyHero, SingSaver, Money101, Moneymax, and Seedly [6] - As of June 30, 2025, MoneyHero had over 270 commercial partner relationships and approximately 5.3 million monthly unique users [6] Partnership Details - The collaboration with InsureMO will utilize an API-driven platform to streamline the insurance purchasing process for Filipino households, enhancing access and convenience [3][5] - InsureMO's platform supports rapid deployment of new insurance products, allowing insurers to launch offerings via MoneyMax in a matter of weeks [7] - The partnership is expected to improve customer experience by providing real-time quotes and a broader selection of insurance products [7] Market Context - The partnership is positioned to capitalize on the growing demand for digital insurance solutions in the Philippines, where digital distribution can significantly enhance insurance access [5] - MoneyHero aims to replicate successful strategies from other Asian markets to scale its insurance vertical in the Philippines [5] - The initiative is supported by strategic relationships with key insurers in the region, enhancing operational control and customer acquisition capabilities [7]