MoneyHero Ltd. (NASDAQ:MNY) reported its third-quarter 2025 financial results, delivering a mixed performance against analyst expectations. The Southeast Asian personal finance platform met revenue forecasts but posted a wider-than-anticipated loss, while management projected a significant milestone for the upcoming quarter.
Earnings and Revenue Versus Estimates
The company’s financial results presented a clear divergence between its top-line performance and bottom-line profitability relative to Wall Street expectations.
- Revenue: MoneyHero reported Q3 revenue of $21.1 million. This figure slightly exceeded the analyst consensus estimate of $21.0 million and represented a 1% increase year-over-year. More notably, it marked a 17% sequential growth from the second quarter, indicating a recovery in momentum.
- Earnings Per Share (EPS): The company reported a non-GAAP EPS loss of $0.10 for the quarter. This was notably worse than the analyst estimate, which had projected a much narrower loss of $0.02 per share.
Market Reaction and Price Action
The market’s immediate reaction to the earnings release appears cautious. In pre-market trading following the announcement, MNY shares are down approximately 3.1%. This suggests investor focus may be leaning toward the larger-than-expected quarterly loss despite the revenue beat and positive forward guidance.
This pre-market dip contrasts with the stock’s recent positive trajectory. Over the past month, shares had climbed 28%, with gains of 23% and 21% over the past two weeks and one week, respectively, potentially indicating some optimism was already priced in ahead of the report.
Management's Forward Outlook
A central pillar of the earnings release was management’s forward-looking commentary, which struck an optimistic tone regarding near-term profitability. CEO Rohith Murthy stated the company expects the fourth quarter of 2025 to be its first quarter of positive Adjusted EBITDA since listing.
This internal outlook can be compared to current analyst projections for Q4. Analysts are estimating a non-GAAP EPS of $0.03 on revenue of $26.7 million. Management’s explicit profitability target sets a clear benchmark for the coming quarter. Furthermore, for the full year 2026, leadership expects Adjusted EBITDA to be "significantly better than 2025," supported by operating leverage and AI-driven efficiencies.
Key Takeaways from the Q3 2025 Report
Beyond the headline numbers, the earnings press release highlighted several strategic and operational shifts underway at MoneyHero:
- Path to Profitability: The Adjusted EBITDA loss narrowed sharply to $1.8 million from $5.5 million a year ago, with the margin improving from -26.5% to -8.4%. For the first nine months of the year, the net loss improved significantly to $5.7 million from $19.6 million in the prior year period.
- Revenue Mix Improvement: The company is deliberately shifting toward higher-margin revenue streams. Insurance and Wealth products now contribute 23% of group revenue, up from 21% a year ago. Insurance revenue grew 13% year-over-year, while Wealth revenue grew 5%.
- Cost Discipline and AI Efficiency: Total operating costs and expenses, excluding foreign exchange impacts, fell by 13% year-over-year to $23.9 million. Management attributed this to disciplined cost management and AI-driven gains in marketing, technology, and operations.
- Strong Liquidity Position: The company ended the quarter with $27.9 million in cash and cash equivalents, $35.5 million in net current assets, and no material financial debt.
For a detailed breakdown of future earnings estimates and historical performance, you can review more data here.
Disclaimer: This article is for informational purposes only and does not constitute financial advice, nor does it recommend any investment action. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.
