MoneyHero Q4 Earnings Call Highlights

MoneyHero (NASDAQ:MNY) reported a instrumentality to profitability successful the 4th fourth of 2025, highlighting what absorption described arsenic the completion of a two-year strategical repositioning focused connected higher-quality revenue, little costs, and accrued usage of AI crossed the business.

Leadership modulation framed arsenic displacement from turnaround to scaling

Danny Leung, interim CEO and CFO, opened the telephone by addressing a enactment alteration announced earlier successful the month. Leung said the committee has initiated a hunt for a imperishable CEO arsenic the institution moves from translation to a “scaling phase” of “profitable growth.” He thanked erstwhile CEO Rohith Murthy for his contributions and said the modulation was “deliberate” alternatively than a alteration successful direction.

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In effect to a question from William Gregozeski of Greenridge Global connected the timing of the transition, Leung said the foundational turnaround enactment is “successfully complete,” pointing to the company’s archetypal affirmative adjusted EBITDA since listing. While the CEO hunt proceeds, helium said his absorption is maintaining “operational discipline” and improving EBITDA successful 2026 versus 2025.

Q4 nett and archetypal affirmative adjusted EBITDA since listing

Leung said MoneyHero delivered fourth-quarter nett net of $0.5 million, compared with a nett nonaccomplishment of $18.8 cardinal successful the aforesaid play past year. Adjusted EBITDA was $0.7 million, which helium characterized arsenic the company’s archetypal adjusted EBITDA summation since it listed connected Nasdaq.

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He besides described sequential betterment successful adjusted EBITDA passim 2025:

• Adjusted EBITDA nonaccomplishment of $3.3 cardinal successful Q1

• Loss of $2.0 cardinal successful Q2

• Loss of $1.8 cardinal successful Q3

• Positive adjusted EBITDA successful Q4

For the afloat twelvemonth 2025, Leung said adjusted EBITDA nonaccomplishment improved 73% to $6.4 cardinal from $23.7 cardinal successful the anterior year. He besides said nett nonaccomplishment narrowed 86% to $5.2 cardinal from $37.8 million.

Revenue premix displacement toward security and wealth, with Singapore and Hong Kong starring

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Fourth-quarter gross grew 27% year-over-year to $20 million, which Leung called the strongest quarterly top-line maturation of the year. Full-year 2025 gross was $73.4 million, down 8% year-over-year. Leung emphasized that the yearly diminution reflected a deliberate pullback from “low margin, precocious measurement products” earlier successful the twelvemonth to prioritize “margin subject and healthier gross quality.”

Geographically, Leung said Singapore gross surged 56% year-over-year successful the 4th to $7.9 million, portion Hong Kong grew 27% to $9.4 million. He said those 2 markets represented 86% of fourth-quarter revenue, up from 79% a twelvemonth earlier, reflecting a absorption connected markets with stronger portion economics. Taiwan and the Philippines contributed $1.2 cardinal and $1.5 million, respectively, successful Q4, and Leung said some were steadily recovering arsenic operational disruptions earlier successful the twelvemonth pursuing the exit of Citibank “are present firmly down us.”