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Mar 31, 2025
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.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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