NASDAQ$MNY
Moneyhero Ltd-A · Q2 2025 earnings
Q2 2025 earnings · · Before market open · Investor relations
Briefing
MoneyHero Q2 revenue rises 26% sequentially to $18.0M as net income turns positive and Adjusted EBITDA loss narrows
MoneyHero Limited filed a strategic shareholder update embedding Q2 2025 IFRS results for the quarter ended June 30, 2025. Net revenue was $18.0 million, down 13% year over year but up 26% quarter over quarter as management prioritized revenue quality over volume. The company returned to net profitability with $0.2 million of net income versus a $12.2 million net loss in Q2 2024. Adjusted EBITDA loss improved to $2.0 million from $9.3 million in the prior-year quarter, marking the lowest quarterly Adjusted EBITDA loss in 18 months. Cost of revenue fell to 51% of revenue from 67% a year ago, while total operating costs (excluding FX) declined 37% year over year to $20.6 million through vendor rationalization, organizational redesign, and AI-driven efficiency. Insurance and Wealth combined represented 27% of revenue, up five percentage points year over year. The platform reached 5.3 million monthly unique users and 8.6 million group members as of June 30, 2025, processing 408,000 applications with 173,000 approvals.
- Q2 2025 net revenue was $18.0M (-13% YoY, +26% QoQ); net income was $0.2M versus a $12.2M loss in Q2 2024.
- Adjusted EBITDA loss narrowed to $2.0M from $9.3M in the prior-year quarter, the best result in 18 months.
- Cost of revenue declined to 51% of revenue from 67% in Q2 2024; operating costs (ex-FX) fell 37% YoY to $20.6M.
- Insurance and Wealth revenue mix rose to 27% of total revenue, up five percentage points year over year.
- Platform reached 5.3M monthly unique users and 8.6M group members; management targets positive Adjusted EBITDA in late 2025.
Headline financials
Revenue & EPS history
Moneyhero · Revenue · Quarterly
$18M
Forward guidance
Management sees continued sequential revenue momentum in Q3 driven by Insurance and Credit Cards, expects positive Adjusted EBITDA in the later part of 2025, and is launching Project Odyssey AI initiatives including a Car Insurance SaverBot beta in Singapore in November 2025.
Tailwinds
- Sequential revenue growth expected to continue in Q3 with strong Insurance and Credit Card performance.
- Higher-margin Insurance and Wealth mix improving year over year.
- Project Odyssey AI automation expected to scale profitably without proportional cost increases.
Headwinds
- Revenue still down 13% year over year as the company prioritizes quality over volume.
- Adjusted EBITDA remains negative despite significant improvement from prior year.
- Turnaround still dependent on achieving sustained profitability beyond a single quarter of net income.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 16 quarterly earnings reports · overlaid with Q2 2025
-1.9%
Avg return
Earnings day
-4.9%
Avg return
5 days after
-7.1%
Avg return
30 days after
22%
4 / 18 earnings
Positive
+6.6%
Q4 2024
Best reaction
-17.9%
Q3 2026
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2024 | — | — | — | |
| Q1 2026 | +0.0% | -13.1% | — | |
| Q4 2026 | +0.0% | +8.4% | +1.5% | |
| Q3 2026 | -17.9% | -20.0% | -21.9% | |
| Q2 2025 | -17.4% | -32.4% | -49.1% | |
| Q1 2025 | -2.5% | +0.0% | +30.9% | |
| Q4 2024 | +6.6% | +0.6% | -6.1% | |
| Q3 2023 | -0.3% | -20.3% | -57.3% | |
| Q2 2023 | +0.0% | +0.0% | +0.7% | |
| Q1 2023 | +0.0% | -0.1% | -0.4% | |
| Q4 2022 | +0.0% | +0.2% | +0.9% | |
| Q3 2022 | +0.0% | +0.1% | -1.6% | |
| Q2 2022 | +0.0% | +0.0% | +0.4% | |
| Q1 2022 | +0.0% | +0.2% | +0.3% | |
| Q4 2021 | +0.1% | +0.2% | +0.0% | |
| Q3 2021 | -0.3% | -0.2% | +2.3% | |
| Q2 2021 | -0.1% | +0.3% | -3.6% | |
| Q1 2021 | +1.7% | +0.9% | -2.1% | |
| Q4 2020 | -3.6% | -13.1% | -15.0% |
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