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Jun 30
Moneyhero Q2 2025 Earnings Report
MoneyHero reported a return to profitability in Q2 2025 with improved margins and stronger revenue mix.
Key Takeaways
MoneyHero delivered $18.0M in revenue and achieved a net income of $0.2M in Q2 2025, reversing last year’s net loss. The company improved efficiency with cost reductions, stronger margins, and higher contributions from Insurance and Wealth verticals.
Revenue was $18.0M, down 13% YoY due to reduced credit card volumes.
Net income turned positive at $0.2M versus a $12.2M loss last year.
Adjusted EBITDA loss improved to $2.0M from $9.3M YoY.
Insurance and Wealth segments grew to 27% of total revenue.
Moneyhero
Moneyhero
Moneyhero Revenue by Segment
Moneyhero Revenue by Geographic Location
Revenue by Segment
Credit Cards Revenue
CapyFin.comLoans & 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 margin expansion, stronger operating leverage, and a path to adjusted EBITDA profitability in the later part of 2025.
Positive Outlook
- Higher-margin Insurance and Wealth verticals expected to reach ~30% of revenue by year-end.
- Cost discipline and operating efficiencies supporting profitability.
- Credit Hero Club launch in Hong Kong in Q4 to deepen engagement.
- AI-driven initiatives reducing customer acquisition costs.
- Ongoing investment in product innovation and partnerships.
Challenges Ahead
- Revenue still impacted by deliberate moderation of lower-margin credit card volumes.
- Adjusted EBITDA remains negative despite improvements.
- Net income driven partly by foreign exchange gains, not just core operations.
- Overall revenue declined YoY by 13%.
- Continued reliance on cost optimization to sustain profitability.