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Mar 31
Moneyhero Q1 2025 Earnings Report
MoneyHero Group reported a narrower net loss in Q1 2025 driven by cost-cutting, margin improvements, and a strategic shift toward high-margin verticals.
Key Takeaways
MoneyHero Group significantly reduced its net loss and improved Adjusted EBITDA in Q1 2025, despite a year-over-year revenue decline due to its pivot away from lower-margin credit card business. Operational efficiencies and growth in insurance and wealth segments helped improve overall financial performance.
Net loss narrowed to $2.4M from $13.1M YoY due to improved cost structure and operational efficiency.
Revenue declined to $14.3M, reflecting a strategic pivot away from credit cards and toward higher-margin verticals.
Adjusted EBITDA loss improved to $3.3M from $6.4M YoY.
Insurance and wealth revenue now represent 25% of total revenue, with strong YoY growth.
Moneyhero
Moneyhero
Moneyhero Revenue by Segment
Moneyhero Revenue by Geographic Location
Revenue by Segment
Credit cards Revenue
CapyFin.comPersonal loans and mortgages Revenue
CapyFin.comWealth Revenue
CapyFin.comInsurance Revenue
CapyFin.comOther verticals Revenue
CapyFin.comRevenue by Geographic Location
Singapore Revenue
CapyFin.comHong Kong Revenue
CapyFin.comTaiwan Revenue
CapyFin.comPhilippines Revenue
CapyFin.com Forward Guidance
MoneyHero expects continued improvements in Adjusted EBITDA and margin expansion throughout 2025, driven by operational efficiency and strategic investments in high-margin verticals.
Positive Outlook
- Continued improvement in Adjusted EBITDA expected throughout 2025.
- Ongoing operational efficiency initiatives maintaining flat expenses.
- New banking partnerships in the Philippines to drive recovery.
- Launch of Credit Hero Club with TransUnion to boost engagement.
- Strong cash position of $36.6M enables strategic investments.
Challenges Ahead
- Revenue still down due to strategic pullback from credit cards.
- Overall user application volumes remain lower YoY.
- Macroeconomic recovery in key markets still uncertain.
- Impact of analytics transition limits some metric comparability.
- Revenue concentration in credit card vertical remains relatively high at 57%.