MoneyHero Ltd. (NASDAQ:MNY) Reports Q2 2025 Net Income of $0.2M, Beats EPS Estimates

MoneyHero Ltd. (NASDAQ:MNY) reported its second-quarter 2025 financial results, delivering a mixed performance relative to analyst expectations. The company, which operates a personal finance comparison platform across Southeast Asia, posted revenue of $18.0 million, falling short of the $20.1 million consensus estimate. Despite the revenue miss, the company achieved a notable milestone by reporting net income of $0.2 million, a significant improvement from the $12.2 million net loss recorded in the same quarter last year. Non-GAAP earnings per share (EPS) came in at $0.00, outperforming the estimated loss of $0.02 per share.

Market Reaction and Price Action

The market responded positively to the earnings release, particularly to the company’s improved profitability metrics. In pre-market trading, the stock rose approximately 6.8%, indicating investor optimism about the path to sustainable earnings. Over the past month, shares have gained 23.3%, reflecting growing confidence in the company’s restructuring efforts and strategic focus on higher-margin segments. The improved bottom-line performance, despite lower revenue, suggests that cost management and operational efficiencies are beginning to yield tangible results.

Key Financial Highlights

• Revenue: $18.0 million (down 13% year-over-year)
• Non-GAAP EPS: $0.00 (vs. estimate of -$0.02)
• Net Income: $0.2 million (vs. net loss of $12.2 million in Q2 2024)
• Adjusted EBITDA Loss: Improved by 79% YoY to $2.0 million

The decline in revenue was a strategic choice, as management deliberately moderated volumes in lower-margin credit card products to focus on improving overall revenue quality and gross margins.

Strategic Shifts and Operational Improvements

A central theme of the earnings report was the successful execution of a strategic pivot initiated in late 2024. Management highlighted a deliberate shift toward higher-margin verticals, specifically Insurance and Wealth, which now comprise 27% of total revenue, up from 22% a year ago. This rebalancing of the revenue mix, coupled with aggressive cost-cutting, drove a substantial improvement in gross margins. The cost of revenue fell to 51% of revenue, down 16 percentage points from 67% a year ago.

Operational metrics also showed strength, with group membership growing 33% year-over-year to 8.6 million users. The company credited AI-driven initiatives for reducing customer acquisition costs and improving approval quality, allowing it to scale volumes without increasing headcount.

Outlook and Analyst Estimates

Looking ahead, management expressed confidence in achieving positive Adjusted EBITDA in the latter part of 2025. They expect the higher-margin Insurance and Wealth verticals to make up approximately 30% of group revenue by year-end. This internal outlook appears ambitious when contrasted with full-year analyst estimates, which project a Non-GAAP EPS loss of $0.04 on sales of $93.0 million. For the next quarter (Q3 2025), analysts are forecasting a slight profit of $0.01 per share on revenue of $23.6 million. The company’s ability to meet or exceed these estimates will be crucial for maintaining its recent positive momentum.

Conclusion

MoneyHero's Q2 2025 results paint a picture of a company in the midst of a successful transformation. While top-line growth was sacrificed for profitability, the market has rewarded the clear progress on the bottom line and the improved operational efficiency. The achievement of quarterly net income is a significant turning point. Investors will now be watching closely to see if the company can continue to expand its higher-margin businesses and deliver on its promise of sustained profitability in the coming quarters.

For a more detailed breakdown of past and future earnings estimates, you can review the data here.

Disclaimer: This article is for informational purposes only and does not constitute investment advice, nor is it a recommendation to buy or sell any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.