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Jun 30, 2025
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.
Revenue by Segment
Revenue by Geographic Location
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%.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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