Financial Data and Key Metrics Changes - Revenue for Q2 was reported at $18 million, reflecting a 13% year-over-year decline but a sequential growth of over 20% from Q1 [11][12][34] - Adjusted EBITDA loss narrowed to $1.95 million, an improvement from $3.3 million in Q1 and $9.3 million a year ago [3][14][40] - Net income was positive at $0.2 million compared to a net loss of $12.2 million in the same quarter last year [14][40] Business Line Data and Key Metrics Changes - Insurance revenue grew from 11% to 14% of total revenue year-over-year, while wealth increased from 11% to 13% [12] - Combined, insurance and wealth contributed 27% of total revenue in Q2, up from 22% in the same period last year [12] - Credit card revenue decreased slightly from 62% to 61% of total revenue, reflecting a strategic shift towards higher-margin verticals [12] Market Data and Key Metrics Changes - The company reported strong momentum in the market with 8.6 million members and over 260 provider partnerships [8] - The current market environment is viewed positively for fintechs that combine profitable growth with visible catalysts [8] Company Strategy and Development Direction - The company aims to reshape its business for durable, profitable growth by prioritizing quality over quantity and focusing on higher-margin verticals [3][10] - Strategic initiatives include expanding insurance and wealth offerings, leveraging AI for operational efficiency, and maintaining cost discipline [7][9][24] - The company plans to achieve 5% to 10% adjusted EBITDA margins over the next two to three years, driven by improved revenue mix and AI-enabled operating leverage [9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving positive adjusted EBITDA in the second half of 2025, driven by new bank and insurer actions and scaling insurance and risk programs [8][40] - The company is focused on deepening member engagement and leveraging commercial momentum through strategic partnerships [35][36] Other Important Information - The company is operationalizing AI across various functions, including customer support and competitive intelligence, which is expected to lower costs and improve conversion rates [6][19] - The company is exploring life insurance partnerships and aims to digitally transform the Philippines market [30] Q&A Session Summary Question: Can you elaborate on AI initiatives and their impact? - Management detailed the use of AI in customer acquisition, support, and competitive intelligence, leading to lower service costs and improved conversion rates [18][19] Question: What are the key growth drivers for 2026? - Management highlighted scaling insurance and wealth, improving conversion rates, and maintaining a regulatory-first approach as key growth drivers [21][22][28] Question: How will the company restore revenue to last year's levels? - Management indicated a focus on scaling higher-margin verticals and deepening member engagement to layer growth onto a healthier foundation [34][35] Question: What factors contributed to the improvement in net loss and EBITDA? - Management attributed improvements to a shift towards higher-margin products, better unit economics, and cost discipline [39][40]

Financial Data and Key Metrics Changes - Revenue for Q2 was reported at $18 million, down 13% year-over-year, but showed over 20% sequential growth from Q1 to Q2 [4][13] - Adjusted EBITDA loss narrowed to $1.95 million, an improvement from $3.3 million in Q1 and $9.3 million a year ago [2][4] - Net income was $0.2 million in Q2, compared to a net loss of $12.2 million in the same quarter last year [4][18] - Cost of revenue improved to 51% from 67% year-over-year, reflecting better unit economics [4][18] Business Line Data and Key Metrics Changes - Insurance revenue grew from 11% to 14% of total revenue year-over-year, while wealth increased from 11% to 13% [4] - Combined, insurance and wealth contributed 27% of total revenue in Q2, up from 22% in the same period last year [4] - Credit card revenue decreased slightly from 62% to 61% as part of a strategic shift towards higher-margin verticals [4] Market Data and Key Metrics Changes - The company reported a member base of 8.6 million, indicating strong market penetration [3] - The company has over 260 provider partnerships, enhancing its market position and revenue potential [3] Company Strategy and Development Direction - The company aims for durable, profitable growth by prioritizing quality over quantity and focusing on higher-margin verticals [2] - Strategic initiatives include expanding insurance and wealth offerings, leveraging AI for operational efficiency, and maintaining cost discipline [3][5] - The company plans to achieve 5% to 10% adjusted EBITDA margins over the next two to three years, driven by improved revenue mix and AI-enabled operating leverage [3] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving positive adjusted EBITDA in the second half of 2025, supported by strong sequential growth and strategic initiatives [2][3] - The current market environment is viewed positively for fintechs that combine profitable growth with visible catalysts [3] - The company is focused on deepening member engagement and expanding its offerings in insurance and wealth management [4][13] Other Important Information - The company is actively integrating AI into its operations, which is expected to lower customer acquisition costs and improve service efficiency [7][10] - The company is pursuing a regulatory-first approach in its digital asset collaborations, ensuring compliance while expanding its offerings [10][12] Q&A Session Summary Question: Can you elaborate on AI initiatives and their impact? - Management detailed the use of AI in customer acquisition, support, and competitive intelligence, leading to lower service costs and improved conversion rates [7] Question: What are the key growth drivers for 2026? - Management highlighted the scaling of insurance and wealth, improved conversion rates, and AI-driven efficiencies as key growth levers [10] Question: What initiatives will restore revenue to last year's levels? - Management emphasized scaling higher-margin verticals, deepening member engagement, and leveraging commercial momentum as strategies to restore revenue [12][13] Question: What factors contributed to the improvement in net loss and EBITDA? - Management identified a shift towards higher-margin products, improved unit economics, and cost discipline as key drivers of the improvement [18]

Financial Data and Key Metrics Changes - Revenue for Q2 was reported at $18 million, reflecting a 13% year-over-year decline, but a sequential growth of over 20% from Q1 [4][13] - Adjusted EBITDA loss narrowed to $1.95 million, an improvement from $3.3 million in Q1 and $9.3 million a year ago [2][4][18] - Net income was $0.2 million in Q2, compared to a net loss of $12.2 million in the same quarter last year [4][18] - Cost of revenue improved to 51% of revenue, down from 67% year-over-year [4][18] Business Line Data and Key Metrics Changes - Insurance revenue grew from 11% to 14% of total revenue year-over-year, while wealth increased from 11% to 13% [4] - Combined, insurance and wealth contributed 27% of total revenue in Q2, up from 22% in the same period last year [4] - Credit card revenue decreased slightly from 62% to 61% of total revenue [4] Market Data and Key Metrics Changes - The company reported a member base of 8.6 million, indicating strong market penetration [3] - The company has over 260 provider partnerships, enhancing its market position [3] Company Strategy and Development Direction - The company aims to reshape its business for durable, profitable growth by prioritizing quality over quantity and focusing on higher-margin verticals [2] - The strategy includes expanding insurance and wealth offerings, leveraging AI for operational efficiency, and maintaining cost discipline [3][10] - The company plans to achieve 5%-10% adjusted EBITDA margins over the next two to three years, driven by improved revenue mix and AI-enabled operating leverage [3] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving positive adjusted EBITDA in the second half of 2025, supported by new bank and insurer actions and scaling insurance and risk programs [3][4] - The current market environment is viewed positively for fintechs that combine profitable growth with visible catalysts [3] - Management emphasized the importance of maintaining a disciplined approach to capital allocation and focusing on sustainable profitability [5] Other Important Information - The company is actively integrating AI into its operations, which has led to improved customer acquisition and service efficiency [7][10] - The company is exploring partnerships in the digital asset space while ensuring compliance and consumer value [5][10] Q&A Session Summary Question: Can you elaborate on AI initiatives and their impact? - Management detailed the use of AI in customer support, competitive intelligence, and guided customer journeys, which have led to lower service costs and improved conversion rates [7] Question: What are the key growth drivers for 2026? - Management highlighted the scaling of insurance and wealth, continuous improvement in conversion rates, and the importance of provider partnerships as key growth levers [10] Question: What initiatives will restore revenue to last year's levels? - Management indicated a focus on scaling higher-margin verticals, deepening member engagement, and leveraging commercial momentum to restore revenue [12][13] Question: What factors contributed to the improvement in net loss and EBITDA? - Management attributed the improvement to a shift towards higher-margin products, enhanced unit economics, and cost discipline [15][18]

Financial Data and Key Metrics Changes - The company reported revenue of $18 million in Q2, down 13% year-over-year but up over 20% sequentially from Q1 [11][12][32] - Adjusted EBITDA loss narrowed to $1.95 million, an improvement from $3.3 million in Q1 and $9.3 million a year ago [3][13][39] - Net income was $0.2 million in Q2, compared to a net loss of $12.2 million in the same quarter last year [13][39] Business Line Data and Key Metrics Changes - Insurance revenue grew from 11% to 14% of total revenue year-over-year, while wealth grew from 11% to 13% [12] - Insurance and wealth together contributed 27% of total revenue in Q2, up from 22% in the same period last year [12] - Cost of revenue improved to 51% of revenue, down from 67% a year ago [12][13] Market Data and Key Metrics Changes - The company has 8.6 million members and over 260 provider partnerships, indicating strong market presence [8] - The current market environment is seen as positive for fintechs that combine profitable growth with visible catalysts [8] Company Strategy and Development Direction - The company aims to reshape for durable, profitable growth by prioritizing quality over quantity and focusing on higher margin verticals [3] - Future growth is expected to be driven by scaling insurance and wealth, with a target of 28% to 30% of revenue from these segments in the second half of the year [27][33] - The company is focusing on AI integration to improve operational efficiency and customer service [6][20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving positive adjusted EBITDA in the second half of 2025, driven by new bank and insurer actions and scaling insurance and risk [8][39] - The company is in a strong position due to market leadership and industry consolidation, with a clear path to achieving 5% to 10% adjusted EBITDA margins in the next two to three years [9][39] Other Important Information - Operating expenses fell 37% year-over-year to $20.6 million, reflecting a more disciplined and efficient operating model [13][16] - The company is exploring life insurance partnerships and expanding its digital asset collaborations in a regulatory-first manner [29][30] Q&A Session Summary Question: Can you talk about AI initiatives in the business? - The company is embedding AI in customer acquisition, conversion, and service, with initiatives like AI customer support automating 70% to 80% of inquiries [18][19] Question: What are the key growth drivers for 2026? - Growth drivers include scaling insurance and wealth, improving conversion rates, and leveraging AI for operational efficiency [21][28] Question: What initiatives should the company take to restore revenue to last year's level? - The company aims to scale higher margin verticals like insurance and wealth, deepen member engagement, and leverage commercial momentum [31][33] Question: What factors have contributed to the improvement in net loss and EBITDA? - Key factors include a shift towards higher margin products, improved unit economics, and cost discipline [36][39]

Core Insights - MoneyHero Limited reported a net income of US$0.2 million in Q2 2025, a significant improvement from a net loss of US$(12.2) million in Q2 2024, indicating a successful pivot towards profitable growth [2][12][8] - Revenue for Q2 2025 was US$18.0 million, down 13% year-over-year, attributed to a strategic shift towards higher-margin products and a reduction in lower-margin credit card volumes [8][16] - The company’s focus on higher-margin Insurance and Wealth verticals has resulted in these segments accounting for 27% of total revenue, up from 22% in the same period last year [9][8] Financial Performance - Adjusted EBITDA loss improved by 79% year-over-year to US$(2.0) million, reflecting a stronger revenue mix and operational efficiencies [2][12][8] - Cost of revenue decreased by 34% year-over-year to US$9.1 million, with gross margins improving significantly as cost of revenue fell to 51% of total revenue from 67% [10][16] - Total operating costs and expenses, excluding net foreign exchange differences, fell 37% year-over-year to US$20.6 million, driven by cost optimization initiatives [11][16] Operational Highlights - Group membership on the platform grew by 33% year-over-year to 8.6 million, indicating increased user engagement [2][16] - The company sourced 408,000 applications and had 173,000 approved applications in Q2 2025, showcasing the effectiveness of its product offerings [17][16] - Monthly unique users reached 5.3 million for the three months ended June 30, 2025, reflecting a stable user base [22][16] Strategic Initiatives - MoneyHero is embedding AI across its operations to enhance customer acquisition efficiency and improve service quality [4][6] - The company plans to scale its higher-margin Insurance and Wealth verticals, aiming for these segments to comprise approximately 30% of Group revenue by the end of 2025 [6][12] - The launch of Hong Kong's Credit Hero Club in Q4 2025 is expected to deepen customer engagement and drive higher conversion rates [6][12]

Core Insights - MoneyHero Limited has launched an invitation-only testing version of Credit Hero Club, aimed at providing users with a comprehensive credit report service and personalized loan product information [1] - The public testing phase is set to last approximately three weeks, with a full launch planned for Q4 2025 [1][2] - The collaboration with TransUnion allows Credit Hero Club to utilize real-time credit data to enhance user experience and improve approval rates for financial institutions [1][3] Product Features - After the public testing, Credit Hero Club will introduce core features that include in-depth insights and predictive analytics [2] - The platform aims to transition from a one-time comparison site to a reliable financial platform with ongoing user interaction [2] - Credit Hero Club will enhance the synergy between lending, insurance, and financial products, increasing customer lifetime value and profit growth potential [2] Market Opportunity - According to a study by TransUnion, 83% of Hong Kong consumers only hold basic credit cards, indicating a gap in the usage of other credit products [3] - Credit Hero Club is designed to help consumers understand their credit status and identify suitable products, thereby increasing their chances of approval [3][4] Company Overview - MoneyHero Limited is a leading personal finance integration and comparison platform in Southeast Asia, operating in Singapore, Hong Kong, Taiwan, and the Philippines [5] - As of March 31, 2025, the company had over 260 business partners and 5.7 million monthly unique users [5] - The company also holds equity in Jirnexu Pte. Ltd., the operator of Malaysia's largest B2C platform, RinggitPlus [5]

Core Insights - MoneyHero Limited has launched the invite-only beta version of Credit Hero Club, a platform aimed at enhancing users' understanding of their credit profiles and simplifying the loan application process, with a public launch targeted for Q4 2025 [1][2] Group 1: Product Development - Credit Hero Club is developed in partnership with TransUnion and provides users with access to their credit profiles and personalized loan product information [2] - The beta testing phase will last approximately three weeks, after which product adjustments will be finalized [1][3] Group 2: Market Opportunity - Research from TransUnion indicates that 83% of consumers in Hong Kong hold basic spend wallet credit cards, highlighting a gap in access to diverse credit products [5] - Credit Hero Club aims to address this gap by helping consumers understand their credit profiles and increasing their chances of approval for suitable financial products [5] Group 3: Business Model and Growth - By offering comprehensive credit monitoring and personalized insights, Credit Hero Club positions MoneyHero as a trusted financial platform, enhancing customer engagement and long-term value [4] - The platform is expected to unlock recurring monetization opportunities across lending, insurance, and wealth products, supporting margin-accretive growth [4] Group 4: Company Overview - MoneyHero Limited operates in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio of B2C and B2B platforms [7] - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users [8]

Core Insights - MoneyHero Limited has launched the invite-only beta version of Credit Hero Club, a platform aimed at enhancing users' understanding of their credit profiles and simplifying the loan application process, with a public launch targeted for Q4 2025 [1][2] Group 1: Product Development - Credit Hero Club is developed in partnership with TransUnion and provides users with access to their credit profiles and personalized loan product information [2] - The beta testing phase will last approximately three weeks, after which the company will finalize product adjustments [1][3] - Future versions of Credit Hero Club are being explored to include more in-depth insights and predictive analysis [3] Group 2: Market Opportunity - Research from TransUnion indicates that 83% of consumers in Hong Kong hold basic spend wallet credit cards, highlighting a gap in access to diverse credit products [5] - Credit Hero Club aims to bridge this gap by helping consumers understand their credit profiles and increasing their chances of approval for suitable financial products [5] Group 3: Business Model and Growth - By providing comprehensive credit monitoring and personalized insights, Credit Hero Club positions MoneyHero as a trusted financial platform, enhancing customer engagement and long-term value [4] - The platform is expected to unlock recurring monetization opportunities across lending, insurance, and wealth products, supporting margin-accretive growth [4] Group 4: Company Overview - MoneyHero Limited operates in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines, with a portfolio of B2C and B2B platforms [7][8] - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users [8]

Core Viewpoint - MoneyHero Limited will release its second quarter 2025 results on September 19, 2025, before market opens, followed by a conference call to discuss the results [1]. Group 1: Company Overview - MoneyHero Limited (NASDAQ: MNY) is a leading personal finance aggregation and comparison platform, as well as a digital insurance brokerage provider in Greater Southeast Asia [3]. - The company operates in Singapore, Hong Kong, Taiwan, and the Philippines, with a brand portfolio that includes B2C platforms such as MoneyHero, SingSaver, Money101, Moneymax, and Seedly, along with the B2B platform Creatory [3]. - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users across its platforms [3]. - The company has notable backers, including Peter Thiel and Richard Li [3]. Group 2: Upcoming Events - The conference call to discuss the second quarter results will take place at 8:00 a.m. EDT (or 8:00 p.m. Hong Kong/Singapore time) on the same day as the results release [1]. - Investors and interested parties can access the call via a registration link for the webcast or audio conference [2].

Core Viewpoint - MoneyHero Limited has regained compliance with Nasdaq's minimum bid price requirement after its share price remained above $1.00 for 10 consecutive business days [1][3]. Group 1: Compliance with Nasdaq - The company received a Compliance Notice from Nasdaq on July 17, 2025, confirming it has met the minimum bid price requirement [1]. - Previously, on April 7, 2025, Nasdaq notified the company that it was not in compliance as its share price was below $1.00 for 30 consecutive business days [2]. - The company’s ordinary shares closed at $1.00 or greater from July 2, 2025, to July 16, 2025, leading to the closure of the compliance matter [3]. Group 2: Company Overview - MoneyHero Limited operates as a personal finance aggregation and comparison platform and a digital insurance brokerage in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines [4]. - The company has a diverse brand portfolio, including B2C platforms such as MoneyHero, SingSaver, Money101, Moneymax, and Seedly, as well as a B2B platform named Creatory [4]. - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users across its platforms [4].