MoneyHero Limited posted a net profit of US$0.5 million for the fourth quarter of 2025, the first profitable quarter since the company went public. The quarter’s revenue rose 27% year‑over‑year to US$20.0 million, driven by a 56% increase in Singapore revenue to US$7.9 million and a 27% rise in Hong Kong revenue to US$9.4 million. The company’s higher‑margin Insurance and Wealth verticals accounted for nearly 30% of total revenue, up from 26% for the full year, reflecting a deliberate mix shift toward more profitable products.
For the full year, MoneyHero reported a net loss of US$5.2 million, an 86% improvement from the US$37.8 million loss in 2024. Full‑year revenue was US$73.4 million, down 8% from US$79.5 million in 2024, and the company’s adjusted EBITDA loss narrowed to US$6.4 million, a 73% reduction from the US$23.7 million loss a year earlier. The decline in revenue was largely due to a 12% drop in the company’s core digital‑insurance business, offset by a 19% increase in Wealth revenue to US$10.1 million and an 11% rise in Insurance revenue to US$9.1 million.
The turnaround was driven by aggressive cost discipline and AI‑powered efficiencies. Total operating costs fell 15% year‑over‑year to US$21.4 million in Q4 2025 and 27% to US$84.2 million for the full year. Technology costs, largely driven by AI‑enabled customer service automation, declined 59% for the full year, while employee benefit expenses dropped 32% in Q4. These measures improved gross margin to 51% of revenue, up from 58% in 2024, and helped the company achieve its first positive adjusted EBITDA.
Segment performance highlights the company’s strategic pivot. Wealth revenue grew 19% year‑over‑year, representing 14% of total revenue, while Insurance revenue increased 11% year‑over‑year to 12% of total revenue. The higher mix of these higher‑margin verticals contributed to the improved profitability, even as overall revenue contracted.
Interim CEO and CFO Danny Leung said, “The fourth quarter marks our first profitable quarter as a listed company despite a challenging year 2025 with total revenue falling by 8%. We delivered a net profit of US$0.5 million and a first‑ever adjusted EBITDA gain of US$0.7 million, reflecting our disciplined cost management and the success of our higher‑margin mix.”
Investors were disappointed by the revenue miss, which fell short of the consensus estimate of US$24.2 million. The revenue shortfall outweighed the profitability beat, leading to a muted market reaction despite the company’s progress toward profitability and a debt‑free balance sheet with US$31.2 million in cash and cash equivalents at year‑end 2025.
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