MoneyHero Ltd
NASDAQ:MNY
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MoneyHero Ltd
MoneyHero Ltd is a SG-based company operating in Interactive Media & Services industry. The company employs 359 full-time employees The company went IPO on 2020-12-07. MoneyHero Limited is engaged in providing the online personal finance aggregation and comparison sector in Greater Southeast Asia. The firm partners with various banks and financial institutions to compare and offer personal finance products, such as credit cards, loans and insurance. The company operates in Singapore, Hong Kong, Taiwan, the Philippines and Malaysia with respective local market brands. The firm has a network of approximately 270 commercial partners. Its business-to-consumer (B2C) brands consists of MoneyHero, SingSaver, Money101, CompareHero, Moneymax, and Seedly. Its business-to-business (B2B) brand is Creatory.
MoneyHero Ltd is a SG-based company operating in Interactive Media & Services industry. The company employs 359 full-time employees The company went IPO on 2020-12-07. MoneyHero Limited is engaged in providing the online personal finance aggregation and comparison sector in Greater Southeast Asia. The firm partners with various banks and financial institutions to compare and offer personal finance products, such as credit cards, loans and insurance. The company operates in Singapore, Hong Kong, Taiwan, the Philippines and Malaysia with respective local market brands. The firm has a network of approximately 270 commercial partners. Its business-to-consumer (B2C) brands consists of MoneyHero, SingSaver, Money101, CompareHero, Moneymax, and Seedly. Its business-to-business (B2B) brand is Creatory.
Revenue Growth: MoneyHero reported Q3 2025 revenue of $21.1 million, up 17% from Q2 and up 1% year-on-year, marking two consecutive quarters of double-digit sequential growth.
Profitability Progress: Adjusted EBITDA loss narrowed sharply to negative $1.8 million, a 68% year-on-year improvement, with adjusted EBITDA margin improving over 1,800 basis points to minus 8.4%.
Cost Discipline: Operating costs excluding FX dropped 13% year-on-year to $23.9 million, driven by lower technology and employee expenses due to automation and restructuring.
Q4 Profitability Outlook: Management expects Q4 to be its first quarter of positive adjusted EBITDA since listing, citing improved revenue mix, partner budgets, and continued cost control.
High-Margin Shift: Insurance and wealth products grew to 23% of group revenue, with insurance up 13% and wealth up 5% year-on-year, supporting stronger margins.
AI & Project Odyssey: Project Odyssey, MoneyHero's AI-driven automation initiative, is credited for major efficiency gains and is expected to further enhance margins and unit economics.
2026 Strategy: The company aims for profitable scale-up next year, with continued investment in high-margin verticals, AI, and disciplined capital allocation, including potential M&A.
