MoneyHero Limited (MNY) Announces Q3 Loss While Exceeding Revenue Projections
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 05 2025
0mins
Source: NASDAQ.COM
Quarterly Performance: MoneyHero Limited reported a quarterly loss of $0.1 per share, significantly worse than the expected loss of $0.02, marking a -400.00% earnings surprise. The company also posted revenues of $21.12 million, slightly exceeding estimates.
Stock Outlook: Despite a 42.9% increase in shares since the beginning of the year, MoneyHero Limited holds a Zacks Rank #4 (Sell), indicating expected underperformance in the near future due to unfavorable earnings estimate revisions.
Industry Context: The Financial - Miscellaneous Services industry, to which MoneyHero belongs, is currently ranked in the top 26% of Zacks industries, suggesting potential for better performance compared to lower-ranked sectors.
Future Earnings Estimates: The consensus EPS estimate for the upcoming quarter is -$0.01 on revenues of $21.82 million, with a broader fiscal year estimate of -$0.08 on $74.98 million in revenues, indicating cautious expectations moving forward.
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Analyst Views on MNY
Wall Street analysts forecast MNY stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.910
Low
3.00
Averages
3.00
High
3.00
Current: 0.910
Low
3.00
Averages
3.00
High
3.00
About MNY
MoneyHero Limited is a Singapore-based personal finance aggregation and comparison company. The Company creates tools and digital experiences for consumers and financial product providers, offering educational content and financial product comparison tools through its online platforms. Its segments are classified based on geographic areas, namely Hong Kong, Singapore, Philippines, Taiwan, Malaysia, and Other Asia. Its brand portfolio includes business-to-consumer (B2C) platforms MoneyHero, SingSaver, Money101, Moneymax, and Seedly, as well as the business-to-business (B2B) platform Creatory. It is primarily engaged in the operation of online financial comparison platforms and related services for credit cards, personal loans, mortgages, insurance, and other financial products. Its subsidiaries include CompareAsia Group Capital Limited and Gemini Merger Sub 1 Limited.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
MoneyHero Reports 15% Revenue Growth in Q1
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- Strong Wealth and Insurance Performance: Revenue from wealth and insurance reached $4.7 million, a 31% increase, while wealth vertical revenue surged by 53%, demonstrating sustained demand for high-value products in the market.
- Operational Efficiency Improvement: The company narrowed its adjusted EBITDA loss by 68% year-over-year to $1.1 million, showcasing significant improvements in cost control and revenue quality through operational optimization.
- Robust Financial Position: As of March 31, MoneyHero held $28 million in cash and cash equivalents, providing strategic flexibility for future growth, despite a widening net loss of $6.7 million primarily due to non-cash accounting adjustments.
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- User Base Expansion: As of March 31, 2026, MoneyHero's monthly unique users reached 3.9 million, with a 24% year-over-year increase in membership to 9.8 million, enhancing the company's ability to provide personalized product matching and financial recommendations.
- Approval Rate Improvement: The approval rate for applications surged from 36% to 48%, with 156,000 approvals out of 329,000 applications, indicating optimized customer acquisition and a shift towards higher-conversion products, particularly in insurance.
- Positive Market Outlook: With the growth of high-margin business segments and an expanding user base, MoneyHero is well-positioned for competitive advantage in the market, which is expected to further drive revenue and profit growth.
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- Effective Cost Control: The company achieved a 13% year-over-year reduction in combined technology, employee benefits, and advertising expenses to $8.5 million through technology stack simplification and AI-driven automation, enhancing operational efficiency and laying the groundwork for future profitability.
- Improved Adjusted EBITDA: The adjusted EBITDA loss narrowed significantly by 68% to $1.1 million in Q1, primarily driven by revenue growth in core markets and structural cost reductions, indicating substantial progress on the path to profitability.
- Strong Market Performance: Revenue in Hong Kong surged 33% year-over-year to $8.5 million, solidifying market leadership, while Singapore achieved steady growth of 11%, demonstrating the company's strong market penetration in the Asia-Pacific region.
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- User Growth: As of December 31, 2025, MoneyHero's platform boasted approximately 4.2 million Monthly Unique Users, indicating strong user attraction in the Southeast Asian market, which further solidifies its position as a leading personal finance aggregation platform.
- Commercial Partnerships: By the end of 2025, MoneyHero established over 300 commercial partner relationships, which not only diversified its product offerings but also strengthened its competitive edge, aiding the company in navigating the rapidly evolving fintech landscape.
- Investor Backing: With notable investors like Peter Thiel, co-founder of PayPal, and Richard Li, founder of Pacific Century Group, MoneyHero benefits from substantial financial and strategic support, propelling its growth in the digital economy across the Asia-Pacific region.
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MoneyHero (MNY) Q4 2025 Earnings Transcript
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- Significant Revenue Growth: MoneyHero Ltd reported total revenue of $16.5 million for Q1, reflecting a 15% year-over-year increase, with Hong Kong revenue at $8.5 million, up 33%, indicating strong performance in high-margin sectors.
- Strong Wealth and Insurance Performance: Revenue from wealth and insurance reached $4.7 million, a 31% increase, while wealth vertical revenue surged by 53%, demonstrating sustained demand for high-value products in the market.
- Operational Efficiency Improvement: The company narrowed its adjusted EBITDA loss by 68% year-over-year to $1.1 million, showcasing significant improvements in cost control and revenue quality through operational optimization.
- Robust Financial Position: As of March 31, MoneyHero held $28 million in cash and cash equivalents, providing strategic flexibility for future growth, despite a widening net loss of $6.7 million primarily due to non-cash accounting adjustments.
See More
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- Revenue Growth: MoneyHero reported Q1 revenue of $16.52 million, reflecting a 15.4% year-over-year increase, surpassing expectations by $0.34 million, driven by a 31% rise in Wealth and Insurance revenue, which now constitutes 28% of total revenue.
- User Base Expansion: As of March 31, 2026, MoneyHero's monthly unique users reached 3.9 million, with a 24% year-over-year increase in membership to 9.8 million, enhancing the company's ability to provide personalized product matching and financial recommendations.
- Approval Rate Improvement: The approval rate for applications surged from 36% to 48%, with 156,000 approvals out of 329,000 applications, indicating optimized customer acquisition and a shift towards higher-conversion products, particularly in insurance.
- Positive Market Outlook: With the growth of high-margin business segments and an expanding user base, MoneyHero is well-positioned for competitive advantage in the market, which is expected to further drive revenue and profit growth.
See More
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- Significant Revenue Growth: MoneyHero reported a revenue of $16.5 million in Q1, reflecting a 15% year-over-year increase, with Wealth and Insurance revenue growing by 31%, now accounting for 28% of total revenue, indicating strong performance in high-margin sectors.
- Effective Cost Control: The company achieved a 13% year-over-year reduction in combined technology, employee benefits, and advertising expenses to $8.5 million through technology stack simplification and AI-driven automation, enhancing operational efficiency and laying the groundwork for future profitability.
- Improved Adjusted EBITDA: The adjusted EBITDA loss narrowed significantly by 68% to $1.1 million in Q1, primarily driven by revenue growth in core markets and structural cost reductions, indicating substantial progress on the path to profitability.
- Strong Market Performance: Revenue in Hong Kong surged 33% year-over-year to $8.5 million, solidifying market leadership, while Singapore achieved steady growth of 11%, demonstrating the company's strong market penetration in the Asia-Pacific region.
See More
MoneyHero to Release Q1 2026 Results and Host Conference Call
- Earnings Release Schedule: MoneyHero is set to announce its Q1 2026 results on June 24, 2026, before market opens, followed by a conference call at 8:00 AM EDT (8:00 PM Hong Kong/Singapore time) to provide investors with insights into its financial performance, enhancing transparency.
- User Growth: As of December 31, 2025, MoneyHero's platform boasted approximately 4.2 million Monthly Unique Users, indicating strong user attraction in the Southeast Asian market, which further solidifies its position as a leading personal finance aggregation platform.
- Commercial Partnerships: By the end of 2025, MoneyHero established over 300 commercial partner relationships, which not only diversified its product offerings but also strengthened its competitive edge, aiding the company in navigating the rapidly evolving fintech landscape.
- Investor Backing: With notable investors like Peter Thiel, co-founder of PayPal, and Richard Li, founder of Pacific Century Group, MoneyHero benefits from substantial financial and strategic support, propelling its growth in the digital economy across the Asia-Pacific region.
See More
MoneyHero (MNY) Q4 2025 Earnings Transcript
See More
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- Earnings Surprise: Qfin Holdings Inc. reported earnings of $1.04 per share, exceeding the Zacks Consensus Estimate of $0.96, although this reflects a decline from $1.74 per share a year ago, indicating volatility in profitability.
- Revenue Performance: The company posted revenues of $566.74 million for the quarter, surpassing the Zacks Consensus Estimate by 5.05%, yet this marks a decrease from $646.4 million year-over-year, highlighting challenges from intensified market competition and shifting customer demands.
- Stock Performance: Qfin Holdings Inc. shares have dropped approximately 39.5% since the beginning of the year, contrasting with the S&P 500's gain of 9.2%, indicating a significant underperformance in the market, prompting investors to closely monitor future earnings expectations.
- Future Outlook: While the current consensus EPS estimate stands at $0.90 on revenues of $494.51 million, the unfavorable trend in estimate revisions has led to a Zacks Rank of 5 (Strong Sell), suggesting that the stock may continue to face pressure in the near term.
See More
