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Sep 30, 2025
Moneyhero Q3 2025 Earnings Report
MoneyHero reported sequential revenue growth and a significantly narrowed Adjusted EBITDA loss in Q3 2025.
Key Takeaways
MoneyHero posted $21.1 million in revenue for Q3 2025, maintaining growth momentum. Although the company recorded a net loss of $3.5 million, the adjusted EBITDA loss narrowed by 68% YoY, supported by a stronger revenue mix and AI-driven cost efficiencies.
Revenue reached $21.1 million, up from $20.9 million a year earlier.
Adjusted EBITDA loss improved to $1.776 million from $5.539 million YoY.
Insurance and Wealth segments made up 23% of total revenue, up from 21% YoY.
Total operating costs (excluding FX) decreased 13% YoY to $23.9 million.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
MoneyHero expects Q4 2025 to be its first quarter of positive Adjusted EBITDA since listing, driven by margin improvement, AI optimization, and a lean cost base.
Positive Outlook
- Q4 expected to achieve positive Adjusted EBITDA.
- Ongoing revenue mix shift toward higher-margin segments.
- AI initiatives reducing customer acquisition and support costs.
- Disciplined cost base expected to support long-term margin expansion.
- Strong liquidity position with $27.9M in cash and no material financial debt.
Challenges Ahead
- Q3 net loss of $3.5M compared to $5.7M net income YoY.
- Traffic and user metrics declined YoY across major markets.
- Decline in submitted and approved applications versus Q3 2024.
- Creatory revenue down significantly YoY.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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