MoneyHero (MNY) Sidoti's Year End Virtual Investor Conference summary

Business overview and financial highlights

• Operating in Singapore, Hong Kong, the Philippines, and Taiwan, with 8.8 million members and 260+ partnerships.

• Achieved $53.5 million in revenue in the first nine months of 2025, with a strong cash position and no debt.

• Revenue increased 17% quarter-over-quarter and 1% year-over-year in Q3, marking the second consecutive quarter of double-digit growth.

• Adjusted EBITDA improved by 68% year-over-year, with operating costs down 13% to $23.9 million.

• Q4 is projected to be the first profitable quarter since listing, driven by a shift to higher-margin products.

Strategic direction and operational model

• Focused on an AI-first, asset-light model, leveraging partnerships for rapid market entry and efficiency.

• Strategic shift toward insurance and wealth, now 25% of revenue, with further growth expected.

• Launched the CreditHero Club in Hong Kong, offering personalized credit insights and lending offers.

• AI transformation initiative, Odyssey, aims to automate end-to-end processes and enhance profitability.

• Emphasis on building a data moat through membership growth and recurring engagement.

Market positioning and growth opportunities

• Holds market leadership in all core regions, with a resilient, trusted brand and strong consumer pull.

• Operates a two-sided marketplace, serving both consumers and financial institutions with rewards and incentives.

• Sees a billion-dollar revenue opportunity in a rapidly digitizing region with high smartphone penetration.

• Insurance and lending are key growth drivers, with digital trust and repeat usage central to the model.

• Actively exploring selective M&A to accelerate growth and expand capabilities.