MoneyHero Limited (MNY)
NASDAQ:MNY
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Earnings Data
Report Date
Jun 29, 2026Before Open (Not Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
-0.1Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Q4 2025
Earnings Call Date:Apr 30, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call conveyed a clear positive shift in the company’s financial and operating profile: a Q4 profitability inflection, first positive adjusted EBITDA, meaningful cost and technology savings, strong AI-driven operational leverage, improved margins and a stronger cash position. These achievements were balanced by a full-year revenue decline (-8%) and remaining full-year losses (adjusted EBITDA loss of $6.4M; net loss $5.2M), increased geographic concentration in Singapore and Hong Kong, a leadership transition (interim CEO), and a restatement of historical operational metrics. Overall, the progress toward sustainable, capital-light, AI-enabled profitable growth is substantial and management provided constructive 2026 guidance, though execution and concentration risks remain.Company Guidance
Quarterly Profitability Turnaround
Q4 2025 net profit of $0.5M versus a net loss of $18.8M in Q4 2024; first-ever positive adjusted EBITDA of $0.7M. Sequential adjusted EBITDA improvement each quarter in 2025 (Q1 -$3.3M, Q2 -$2.0M, Q3 -$1.8M, Q4 +$0.7M) demonstrating execution toward profitability.
Strong Q4 Revenue Growth
Fourth quarter revenue grew 27% year-over-year to $20.0M, driven by strong performance in core markets (Singapore and Hong Kong). Approved applications increased 12% in Q4 to ~190,000, supporting volume recovery without proportionate cost increases.
Full-Year Margin and Cost-of-Revenue Improvement
Full-year cost of revenue decreased by 7 percentage points to 51% of revenue (from ~58%), with cost-of-revenue dollars down 19% YoY to $37.3M — evidence of structural margin improvement from mix shift and reward-cost optimization.
High-Margin Vertical Momentum (Insurance & Wealth)
Combined insurance and wealth revenue in Q4 rose 31% YoY to $5.9M and accounted for ~30% of Q4 revenue. Full-year wealth revenue grew 19% to $10.1M and Q4 wealth accelerated 50% YoY. Insurance full-year revenue grew 11% to $9.1M; these verticals now represent ~26% of FY revenue, up from 21% a year ago.
Significant Operating Expense Reductions
Total operating costs and expenses (ex-FX) fell 27% YoY to $84.2M for the full year and 15% YoY to $21.4M in Q4. Technology costs declined 71% YoY in Q4 to $0.4M (59% YoY to $3.0M for the year). Employee benefit expenses fell ~32-33% (Q4: $4.0M; FY: $16.2M). Advertising & marketing down 20% YoY to $17.3M for the year.
AI-Driven Operational Leverage
AI automation touched up to 70% of customer service queries; in December AI fully resolved 47% of queries without human intervention. AI enabled 12% more approved applications in Q4 while employee expenses declined ~32%, demonstrating decoupling of growth from headcount.
Improved Liquidity and Debt-Free Balance Sheet
Ended year debt-free with $31.2M cash and cash equivalents (up $3.3M sequentially from Q3) and $37.5M in net current assets, indicating growing cash generation and a resilient balance sheet.
Positive 2026 Outlook
Company expects full-year 2026 adjusted EBITDA to exceed 2025 levels, driven by expansion of high-margin verticals, continued AI-driven operating leverage, and conversion of members into recurring multiproduct customers.
MNY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MNY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2026 | $1.31 | $1.33 | +1.53% |
Dec 05, 2025 | $1.60 | $1.26 | -21.25% |
Sep 19, 2025 | $2.22 | $1.82 | -18.02% |
Jun 13, 2025 | $0.81 | $0.84 | +3.70% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does MoneyHero Limited (MNY) report earnings?
MoneyHero Limited (MNY) is schdueled to report earning on Jun 29, 2026, Before Open (Not Confirmed).
What is MoneyHero Limited (MNY) earnings time?
MoneyHero Limited (MNY) earnings time is at Jun 29, 2026, Before Open (Not Confirmed).
Where can I see when companies are reporting earnings?
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What is MNY EPS forecast?
Currently, no data Available