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]
MoneyHero Group Reports Third Quarter 2025 Results