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]

Core Insights - MoneyHero Limited successfully concluded the Seedly x SingSaver Personal Finance Festival, attracting over 3,800 attendees, highlighting the demand for financial guidance amid economic uncertainty [1][9] - The Festival emphasized financial resilience, strategic wealth building, and adapting to a rapidly changing global economy, featuring over 65 distinguished speakers [3][9] - The event reinforced MoneyHero's commitment to innovation and partnership, celebrating its second anniversary as a Nasdaq-listed company [7][8] Event Highlights - The Festival was themed "Explore Singapore!" in celebration of the SG60 national milestone, providing a platform for attendees to reflect on Singapore's achievements and plan for their financial futures [2] - Attendees engaged in 16 hours of curated talks, workshops, and interactive sessions aimed at enhancing their financial knowledge [3][4] - The event featured immersive brand experiences from 19 sponsors, creating a dynamic marketplace for ideas and opportunities [4] Government Engagement - A key fireside chat featured Acting Minister for Transport and Senior Minister of State for Finance, Jeffrey Siow, discussing the importance of long-term financial discipline and readiness for external shocks [5][6] - Minister Siow emphasized the need for Singaporeans to invest in their skills and networks, reflecting on the enduring principles of personal finance [6] Company Commitment - MoneyHero's CEO, Rohith Murthy, highlighted the strong need for practical financial knowledge and the importance of collaborative innovation in delivering high-quality financial products [8] - The company aims to enhance the digital journey for users through AI, providing personalized product insights to improve conversion and unit economics for financial institution partners [8] Company Overview - MoneyHero Limited operates as a leading personal finance aggregation and comparison platform in Greater Southeast Asia, with a portfolio that includes various B2C and B2B platforms [11] - As of June 30, 2025, MoneyHero had over 270 commercial partner relationships and approximately 5.3 million Monthly Unique Users across its platform [11]