MoneyHero Limited Q4 and FY 2025 Financial Results

MoneyHero Limited reported its unaudited fourth quarter and audited full year 2025 financial results. For Q4 2025, the company achieved a net profit of US$0.5 million and an Adjusted EBITDA gain of US$0.7 million, marking its first profitable quarter as a listed company. This was driven by structural cost reductions and an accelerating higher-margin revenue mix. Total operating costs decreased by 15% year-over-year to US$21.4 million, while revenue increased by 27% year-over-year to US$20.0 million. For the full year 2025, total revenue decreased by 8% to US$73.4 million, but the net loss narrowed significantly to US$(5.2) million from US$(37.8) million in the prior year. The Adjusted EBITDA loss improved to US$(6.4) million from US$(23.7) million. The company highlighted a strategic shift towards higher-margin products like Insurance and Wealth, which now constitute 26% of full-year revenue. Total operating expenses decreased by 27% year-over-year due to optimized reward costs, efficient marketing, lower technology costs, and streamlined employee expenses. MoneyHero Limited maintained a debt-free balance sheet with US$31.2 million in cash and cash equivalents as of December 31, 2025, indicating a transition towards a sustainable and cash-generative business. The company anticipates full-year 2026 Adjusted EBITDA to exceed 2025 levels.