MONY Group (MONY) H2 2025 earnings summary

Executive summary

• Achieved record revenue of £446 million (+2% year-over-year) and adjusted EBITDA of £145 million (+2%) in 2025, demonstrating resilience despite sector-specific and macroeconomic headwinds.

• Helped UK households save an estimated £2.8 billion, leveraging trusted brands, a robust tech/data platform, and 2.1 million SuperSaveClub members, up 1.1 million year-over-year.

• Strategic focus on membership-based propositions, platform efficiency, and enhanced provider services drove engagement and loyalty.

• Launched innovative AI-powered products like Price Optimizer and Savings by MoneySuperMarket, and became the first UK comparison site on the ChatGPT App Store.

• Returned £96 million to shareholders in 2025 via dividends and buybacks, with a further £25 million buyback announced for 2026.

Financial highlights

• Group revenue rose 2% to £446 million year-over-year, with adjusted EBITDA up 2% to £145 million and margin increasing to 33%.

• Adjusted basic EPS up 5% to 17.9p; operating cash flow down 7% to £108 million due to mix shift to longer cash cycle segments.

• Gross profit was £287 million, down 1% year-over-year; gross margin fell 2 points to 64% due to higher PPC costs and SuperSaveClub rewards.

• Adjusted EBITDA margin expanded to 33% (from 32%).

• Dividend per share up 1% to 12.63p.

Outlook and guidance

• Board expects 2026 adjusted EBITDA within consensus range (£142 million–£153 million), with market expectations at £146 million.

• Confident that H2 2025 momentum will continue into 2026 as macro environment eases and strategic execution continues.

• Continued focus on AI-driven innovation, new product launches (investments, SME banking), and expanding SuperSaveClub.