NASDAQ$MNY
Moneyhero Ltd-A · Q4 2024 earnings
Q4 2024 earnings · · Before market open · Investor relations
Briefing
Q4 net loss narrows to $18.8M; adjusted EBITDA loss improves to $2.9M on revenue mix shift
MoneyHero Limited reported Q4 2024 revenue of US$15.7 million, down 40% year over year as the company deliberately shifted focus toward higher-margin insurance and wealth products rather than credit card volume. Net loss narrowed sharply to US$18.8 million from US$94.3 million, and adjusted EBITDA loss improved to US$2.9 million from US$4.6 million—the best quarterly adjusted EBITDA performance since going public. Insurance revenue rose 10% to US$2.1 million (14% of total revenue) and wealth products revenue jumped 195% to US$2.4 million (15% of mix). The company ended the quarter with US$42.5 million in cash on a debt-free balance sheet and guided toward positive adjusted EBITDA on a quarterly basis in the second half of 2025.
- Q4 revenue was US$15.7 million, down 40% YoY, reflecting strategic pivot from credit cards to higher-margin verticals
- Net loss narrowed to US$18.8 million from US$94.3 million; adjusted EBITDA loss improved to US$2.9 million
- Insurance revenue grew 10% YoY to US$2.1 million; wealth products revenue surged 195% to US$2.4 million
- Monthly unique users totaled 6.2 million; MoneyHero Group members grew 42% YoY to 7.5 million
- Debt-free balance sheet with US$42.5 million cash; targeting positive adjusted EBITDA in H2 2025
Headline financials
Revenue & EPS history
Moneyhero · Revenue · Quarterly
$15.7M
Forward guidance
Management expects adjusted EBITDA to consistently improve and targets generating positive adjusted EBITDA on a quarterly basis in the second half of 2025, with full-year 2025 revenue goal of US$100 million.
Tailwinds
- Path to positive adjusted EBITDA in H2 2025
- Growing insurance and wealth vertical mix improving margins
- Debt-free balance sheet with US$42.5 million cash
Headwinds
- Q4 revenue declined 40% YoY amid deliberate credit card de-emphasis
- Foreign exchange loss of US$8.9 million in Q4 from local currency weakness
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 Q4 2024
-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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