MoneyHero Group Announces Q2 2025 Results

MoneyHero (NASDAQ: MNY), a leading personal finance platform in Greater Southeast Asia, reported significant financial improvements in Q2 2025. The company achieved net income of US$0.2 million, compared to a US$(12.2) million loss in Q2 2024, while Adjusted EBITDA loss improved by 79% YoY to US$(2.0) million.
Revenue was US$18.0 million, down 13% YoY due to strategic shift towards higher-margin verticals. Insurance and Wealth segments now comprise 27% of revenue, up from 22% YoY. Cost of revenue decreased significantly to 51% of revenue, down 16 percentage points YoY. The company’s membership base grew 33% YoY to 8.6 million.
MoneyHero expects to achieve Adjusted EBITDA profitability in late 2025, supported by AI implementation, improved revenue mix, and operational efficiency gains.

MoneyHero (NASDAQ: MNY), una piattaforma leader di finanza personale nell’area Greater Southeast Asia, ha riportato significativi miglioramenti finanziari nel secondo trimestre del 2025. L’azienda ha registrato un utile netto di US$0,2 milioni, rispetto a una perdita di US$(12,2) milioni nel secondo trimestre del 2024, mentre la perdita di EBITDA rettificato è migliorata del 79% su base annua a US$(2,0) milioni.
Le entrate sono state US$18,0 milioni, in calo del 13% su base annua a causa dello shift strategico verso verticali a margine più elevato. I segmenti Assicurazioni e Ricchezza rappresentano ora il 27% delle entrate, in aumento rispetto al 22% dell’anno precedente. Il costo delle entrate è diminuito significativamente al 51% delle entrate, in calo di 16 punti percentuali su base annua. La base di membri dell’azienda è cresciuta del 33% su base annua, raggiungendo 8,6 milioni.
MoneyHero prevede di raggiungere la redditività dell’EBITDA rettificato entro la fine del 2025, supportata dall’implementazione dell’IA, da un miglioramento del mix di entrate e da guadagni di efficienza operativa.

MoneyHero (NASDAQ: MNY), una plataforma líder de finanzas personales en Greater Southeast Asia, informó mejoras financieras significativas en el segundo trimestre de 2025. La empresa logró un ingreso neto de US$0,2 millones, frente a una pérdida de US$(12,2) millones en el 2T 2024, mientras que la pérdida de EBITDA ajustado se redujo un 79% interanual a US$(2,0) millones.
Los ingresos fueron de US$18,0 millones, con una caída del 13% interanual debido al cambio estratégico hacia verticales de mayor margen. Los segmentos de Seguros y Riqueza representan ahora el 27% de los ingresos, frente al 22% interanual. El costo de ingresos disminuyó considerablemente a 51% de los ingresos, una caída de 16 puntos porcentuales interanual. La base de miembros de la empresa creció un 33% interanual hasta 8,6 millones.
MoneyHero espera alcanzar la rentabilidad del EBITDA ajustado a finales de 2025, respaldada por la implementación de IA, una mejora en la mezcla de ingresos y mejoras en la eficiencia operativa.

MoneyHero (NASDAQ: MNY), 그레이터 남동아시아 지역의 선도적 개인 금융 플랫폼은 2025년 2분기에 중요한 재무 개선을 보고했습니다. 회사는 순이익 US$0.2백만을 달성했고, 2024년 2분기의 손실 US$(12.2)백만에 비해 개선되었으며, 조정된 EBITDA 손실은 전년 대비 79% 개선되어 US$(2.0)백만에 이르렀습니다.
매출은 US$18.0백만으로 전년 대비 13% 감소했으며, 더 높은 마진의 수직으로의 전략적 전환 때문입니다. 보험 및 자산(부) segments 은 이제 매출의 27%를 차지하며 전년의 22%에서 상승했습니다. 매출원가는 매출의 51%로 크게 감소했고, 전년 대비 16포인트 하락했습니다. 회사의 회원 수는 전년 대비 33% 증가하여 8.6백만 명이 되었습니다.
MoneyHero는 AI 도입, 매출 구성이 개선되고 운영 효율성이 향상되어 2025년 말까지 조정된 EBITDA 흑자를 달성할 것으로 기대합니다.

MoneyHero (NASDAQ: MNY), une plateforme leader de la finance personnelle dans le Grand Sud-Est asiatique, a enregistré d’importantes améliorations financières au deuxième trimestre 2025. L’entreprise a réalisé un bénéfice net de 0,2 million de dollars US, contre une perte de 12,2 millions de dollars US au T2 2024, tandis que la perte d’EBITDA ajusté s’est améliorée de 79% en glissement annuel pour atteindre −2,0 millions de dollars.
Le chiffre d’affaires s’est élevé à 18,0 millions de dollars US, en baisse de 13% sur un an en raison du pivot stratégique vers des verticales à marge plus élevée. Les segments Assurance et Fortune représentent désormais 27% des revenus, contre 22% l’an dernier. Le coût des revenus a fortement diminué pour atteindre 51% des revenus, soit une baisse de 16 points de pourcentage en année sur l’année. La base de membres de l’entreprise a augmenté de 33% sur un an pour atteindre 8,6 millions.
MoneyHero prévoit d’atteindre la rentabilité de l’EBITDA ajusté à la fin de 2025, soutenue par la mise en œuvre de l’IA, une amélioration du mix de revenus et des gains d’efficacité opérationnelle.

MoneyHero (NASDAQ: MNY), eine führende Plattform für Privatfinanzen im Großraum Südostasien, meldete bedeutende finanzielle Verbesserungen im zweiten Quartal 2025. Das Unternehmen ermöglichte einen Nettogewinn von US$0,2 Mio. gegenüber einem Verlust von US$(12,2) Mio. im Q2 2024, während der Verlust des Adjusted EBITDA um 79% auf US$(2,0) Mio. verbessert wurde.
Der Umsatz betrug US$18,0 Mio., ein Rückgang von 13% im Jahresvergleich aufgrund der strategischen Verlagerung hin zu margenträchtigeren Vertikalen. Die Segmente Versicherung und Vermögen machen nun 27% des Umsatzes aus, gegenüber 22% im Vorjahr. Die Kosten der Umsätze sanken deutlich auf 51% des Umsatzes, ein Rückgang von 16 Prozentpunkten YoY. Die Mitgliederbasis des Unternehmens wuchs YoY um 33% auf 8,6 Mio.
MoneyHero geht davon aus, dass Ende 2025 die Profitabilität des Adjusted EBITDA erreicht wird, unterstützt durch KI-Implementierung, verbesserte Umsatzmischung und Effizienzsteigerungen.

MoneyHero (NASDAQ: MNY)، منصة رائدة للمالية الشخصية في منطقة جنوب شرق آسيا الكبرى، أبلغت عن تحسينات مالية كبيرة في الربع الثاني من 2025. حققت الشركة صافي دخل قدره 0.2 مليون دولار أمريكي، مقارنة بخسارة قدرها 12.2 مليون دولار في الربع الثاني من 2024، بينما تحسن خسارة EBITDA المعدلة بنسبة 79% على أساس سنوي لتصل إلى −2.0 مليون دولار.
كانت الإيرادات 18.0 مليون دولار، بانخفاض 13% على أساس سنوي بسبب الانتقال الاستراتيجي نحو قطاعات ذات هوامش أعلى. أقسام التأمين والثروة تشكل الآن 27% من الإيرادات، مقارنة بـ 22% على مدار السنة. تكاليف الإيرادات انخفضت بشكل كبير لتصل إلى 51% من الإيرادات، بانخفاض قدره 16 نقطة مئوية على أساس سنوي. قاعدة أعضاء الشركة نمت بنسبة 33% سنوياً لتصل إلى 8.6 مليون.
تتوقع MoneyHero تحقيق ربحية EBITDA المعدلة في أواخر عام 2025، مدعومة بتطبيق الذكاء الاصطناعي، وتحسن مزيج الإيرادات وتحقيق كفاءات تشغيلية.

MoneyHero（NASDAQ: MNY），在大中华区及东南亚广域区域的领先个人理财平台，披露了2025年第二季度的显著财政改善。公司实现净利润为US$0.2百万，较2024年第二季度的US$-12.2百万亏损有所改善，同时调整后EBITDA亏损同比下降了79%，至US$-2.0百万。
收入为US$18.0百万，同比下降13%，原因是向高毛利垂直领域的战略转移。保险与财富两个板块现占收入的27%，高于去年同期的22%。收入成本显著降至51%的收入比，较去年同期下降了16 个百分点。公司的会员基数同比增长33%，达到860万。
MoneyHero预计在2025年末实现调整后EBITDA盈利，得益于AI的应用、收入结构的改善以及运营效率的提升。

Positive

Achieved profitability with US$0.2M net income vs US$(12.2M) loss YoY

Adjusted EBITDA loss improved 79% YoY to US$(2.0M)

Cost of revenue decreased 16 percentage points to 51% of revenue

Higher-margin Insurance and Wealth verticals grew to 27% of revenue

Group membership expanded 33% YoY to 8.6 million users

Insurance revenue increased 18% YoY to US$2.6M

Negative

Total revenue declined 13% YoY to US$18.0M

Wealth segment revenue remained flat YoY at US$2.3M

Credit Cards still dominate revenue mix at 61%

MoneyHero achieves profitability with $0.2M net income vs $(12.2M) loss YoY through strategic vertical diversification and cost optimization.
MoneyHero’s Q2 results mark a significant turnaround with the company reaching quarterly profitability for the first time. The $0.2 million net income compared to last year’s $(12.2) million loss represents a remarkable improvement in financial health, driven by structural changes to their business model.
The company’s strategic pivot toward higher-margin business lines is clearly yielding results. The Insurance and Wealth segments now comprise 27% of revenue, up 5 percentage points year-over-year, creating a more favorable revenue mix. Insurance revenue grew 18% YoY to $2.6 million, while Wealth maintained at $2.3 million but increased its revenue share.
Particularly impressive is the 16 percentage point reduction in cost of revenue, now at 51% of revenue versus 67% last year. This 34% efficiency improvement has dramatically enhanced gross margins and flows directly to the bottom line. Meanwhile, operating costs declined 37% YoY to $20.6 million, reflecting comprehensive cost discipline while still investing in AI capabilities.
The company’s Adjusted EBITDA loss improved 79% YoY to $(2.0) million from $(9.3) million, indicating strong momentum toward sustainable profitability. Management’s guidance suggests positive Adjusted EBITDA in late 2025, which appears credible given the sequential quarterly improvements.
On the operational front, MoneyHero Group Members grew 33% YoY to 8.6 million, though applications and approvals declined slightly as the company deliberately moderated lower-margin credit card volumes. The shift toward AI implementation across operations while maintaining flat headcount demonstrates operational leverage potential.
While total revenue declined 13% YoY to $18.0 million, this reflects intentional strategy rather than market weakness. Management is clearly prioritizing profitable growth over volume, a prudent approach for long-term sustainability. The geographical revenue mix remains stable with Singapore and Hong Kong each contributing about 43% of revenue.
The balance sheet structure appears healthy with 45.7 million total issued shares across different classes. Looking ahead, the company’s focus on scaling higher-margin verticals to 30% of revenue by year-end and launching the Credit Hero Club with TransUnion positions it well for continued financial improvement.