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MONY Group (MONY) investor relations material
MONY Group H2 2025 (Q&A) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved record revenue of £446m (+2% year-over-year) and adjusted EBITDA of £145m (+2%), with estimated customer savings of GBP 2.8 billion in 2025 and 2.1m SuperSaveClub members.
Demonstrated resilience despite sector-specific and market headwinds, supported by strong brands, robust tech/data platform, and strategic focus on member-based propositions and platform efficiency.
Significant progress in AI integration, launching new products, expanding into new categories and channels, and enhancing provider services (+13% revenue growth).
Disposed of majority stake in Travel segment, simplifying group structure and focusing on core operations.
Returned GBP 96 million to shareholders in 2025 and announced a further GBP 25 million buyback for 2026.
Financial highlights
Revenue: £446m (+2% year-over-year); Adjusted EBITDA: £145m (+2%); Adjusted basic EPS: 17.9p (+5%).
Provider-side revenues increased by 13% year-over-year.
Highly cash generative year, supporting shareholder returns; operating cashflow: £108m (-7%).
SuperSaveClub ARPU rose to GBP 35 (from GBP 27 in H1), with club member CLTV now double that of non-members.
Gross profit: £287m (-1%); Gross margin: 64% (down from 66%).
Outlook and guidance
Confident momentum from H2 2025 expected to continue into 2026, supported by easing macro environment and board confidence in delivering 2026 adjusted EBITDA within consensus range (£142m–£153m).
£25m share buyback announced for 2026, funded by expected free cash.
Strong pipeline of product innovation and further AI-driven launches planned, with focus on profitable growth and operational efficiency.
- Record revenue and resilient profit growth delivered with strong shareholder returns.MONY
H2 202523 Feb 2026 - Record H1 results with strong insurance, member-based growth, and higher dividend.MONY
H1 2024 (Q&A)3 Feb 2026 - Record H1 revenue and EBITDA, led by Insurance and Cashback growth and member engagement.MONY
H1 20243 Feb 2026 - Record revenue, higher EBITDA, and a GBP 30m buyback highlight strong growth and confidence.MONY
H2 202423 Dec 2025 - Record revenue and EBITDA, strong member growth, and a £30m buyback were announced.MONY
H2 2024 (Q&A)23 Dec 2025 - Growth in revenue and EBITDA, strategic ITG shift, and strong member engagement support outlook.MONY
Trading Update3 Dec 2025 - Resilient H1 2025 results with 1% revenue growth, 2% EBITDA rise, and strong member momentum.MONY
H1 202516 Nov 2025 - Resilient growth in revenue and profits, with SuperSaveClub driving member-based expansion.MONY
H1 2025 (Q&A)16 Nov 2025 - Q3 revenue down 2% year-over-year; full-year results expected in line with guidance.MONY
Q3 2024 TU13 Jun 2025
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