MoneyHero Posts First Profitable Quarter as Cost Cuts and AI Drive 2025 Turnaround

MoneyHero Limited ( (MNY) ) has provided an announcement.

MoneyHero Group reported on April 30, 2026 that it achieved its first profitable quarter as a listed company in the three months ended December 31, 2025, posting Q4 net profit of US$0.5 million and an Adjusted EBITDA gain of US$0.7 million. Fourth-quarter revenue rose 27% year-on-year to US$20.0 million, led by strong growth in Singapore and Hong Kong and a deliberate shift toward higher-margin Insurance and Wealth products, which together accounted for about 30% of quarterly revenue.

For full-year 2025, total revenue declined 8% to US$73.4 million, but net loss narrowed sharply to US$(5.2) million as the company cut operating costs and rebalanced its product mix. Structural efficiencies— including a 59% reduction in annual technology costs, lower marketing and employee expenses, and extensive AI-driven automation—reduced total operating costs by 27%, supporting margin expansion and a stronger, debt-free balance sheet with US$31.2 million in cash at year-end 2025.

Management highlighted that AI now handles a large share of customer service interactions and underpins new products such as a WhatsApp-based Car Insurance SaverBot in Singapore and the Credit Hero Club in Hong Kong. These initiatives, combined with a growing member base of 9.4 million and over 300 commercial partnerships, are intended to enhance operating leverage and deepen engagement as MoneyHero scales its higher-margin verticals and seeks to build a more sustainable, cash-generative business.

The most recent analyst rating on (MNY) stock is a Buy with a $3.00 price target. To see the full list of analyst forecasts on MoneyHero Limited stock, see the MNY Stock Forecast page.

Spark’s Take on MNY Stock

According to Spark, TipRanks’ AI Analyst, MNY is a Neutral.

MoneyHero Limited’s overall score is primarily impacted by its financial challenges, with negative profitability and cash flow metrics weighing heavily. However, the optimistic earnings call guidance and improvements in operational efficiency provide some positive outlook. Technical analysis and valuation remain weak, reflecting ongoing market and profitability challenges.

To see Spark’s full report on MNY stock, click here.

More about MoneyHero Limited

MoneyHero Limited, listed on Nasdaq as MNY, operates a tech- and AI-powered personal finance aggregation and comparison platform and digital insurance brokerage in Greater Southeast Asia. The company focuses on high-intent consumer finance products, including credit cards, insurance, and wealth solutions, with core markets in Singapore and Hong Kong that now contribute the majority of its revenue.

Average Trading Volume: 37,841

Technical Sentiment Signal: Sell

Current Market Cap: $57.36M

Learn more about MNY stock on TipRanks’ Stock Analysis page.