MoneyHero (NASDAQ:MNY) Releases Quarterly Earnings Results, Beats Expectations By $0.02 EPS

Key Points

• Beat on EPS but revenue missed: MoneyHero reported $0.01 EPS, beating consensus by $0.02 while revenue came in at $19.97M versus $23.92M expected, and the company showed a meaningful profitability inflection with Q4 net profit of $0.5M and first-ever adjusted EBITDA gain of $0.7M as full-year losses narrowed sharply.
• Operational leverage from mix shift and AI: Higher-margin verticals (insurance and wealth ~30% of Q4 revenue, with wealth +50% YoY) plus AI handling up to 70% of queries helped cut technology costs ~59% YoY and improve margins and approval throughput without proportional headcount growth.
• Solid cash position but leadership risk: MoneyHero finished debt-free with $31.2M cash and expects 2026 adjusted EBITDA to exceed 2025, though the board has appointed an interim CEO and is searching for a permanent chief executive, adding near-term executive uncertainty.

MoneyHero (NASDAQ:MNY - Get Free Report) announced its quarterly earnings results on Thursday. The company reported $0.01 EPS for the quarter, topping the consensus estimate of ($0.01) by $0.02, reports. The business had revenue of $19.97 million for the quarter, compared to analyst estimates of $23.92 million. MoneyHero had a negative return on equity of 56.10% and a negative net margin of 35.36%.

Here are the key takeaways from MoneyHero's conference call:

• Profitability inflection: MoneyHero reported Q4 net profit of $0.5M and its first-ever adjusted EBITDA gain of $0.7M, while full-year adjusted EBITDA loss narrowed 73% to $6.4M and net loss improved (~86%) to $5.2M, signaling a move from turnaround toward profit.
• Strategic revenue mix shift toward higher-margin verticals: insurance and wealth accounted for ~30% of Q4 revenue (wealth grew 50% YoY in Q4), helping cost of revenue fall to 51% and expanding margins.
• AI-driven operating leverage: AI now touches up to 70% of customer queries (47% fully resolved in December), enabling technology costs to drop ~59% year-over-year and supporting 12% more approved applications without proportional headcount growth.
• Leadership transition: the board appointed an interim CEO and is searching for a permanent CEO to lead the next scaling phase—management frames this as deliberate, but the change at a profitability inflection adds executive leadership uncertainty.
• Balance sheet and outlook: MoneyHero ended the year debt-free with $31.2M cash and $37.5M net current assets (cash up $3.3M sequentially) and expects 2026 adjusted EBITDA to exceed 2025 levels.

MoneyHero Price Performance

Shares of MoneyHero stock traded down $0.01 during trading on Friday, hitting $1.32. 7,774 shares of the company were exchanged, compared to its average volume of 21,901. The company has a quick ratio of 1.96, a current ratio of 1.96 and a debt-to-equity ratio of 0.01. MoneyHero has a fifty-two week low of $0.66 and a fifty-two week high of $2.40. The stock has a market capitalization of $55.23 million, a price-to-earnings ratio of -1.88 and a beta of 1.26. The firm has a 50 day moving average price of $1.37 and a 200 day moving average price of $1.31.

Institutional Inflows and Outflows

A hedge fund recently bought a new stake in MoneyHero stock. Virtu Financial LLC acquired a new position in shares of MoneyHero Limited (NASDAQ:MNY - Free Report) in the 3rd quarter, according to its most recent 13F filing with the SEC. The fund acquired 26,445 shares of the company's stock, valued at approximately $38,000. Virtu Financial LLC owned about 0.06% of MoneyHero at the end of the most recent reporting period. Hedge funds and other institutional investors own 30.86% of the company's stock.

Wall Street Analysts Forecast Growth

Separately, Zacks Research raised MoneyHero from a "strong sell" rating to a "hold" rating in a research note on Tuesday, March 10th. One investment analyst has rated the stock with a Strong Buy rating, one has given a Hold rating and one has assigned a Sell rating to the company's stock. According to data from MarketBeat, the stock has an average rating of "Hold" and an average target price of $4.00.

About MoneyHero

MoneyHero Group Ltd NASDAQ: MNY operates an online comparison marketplace that helps consumers research, compare and select a broad array of financial and lifestyle products. Through its digital platform, MoneyHero presents side-by-side comparisons for credit cards, personal loans, mortgages, various insurance policies, broadband and mobile plans, as well as utility services. The site features interactive tools such as personalized calculators, user reviews and curated offer alerts, designed to simplify complex product information and enhance consumer decision making.

Founded in Hong Kong in 2014, MoneyHero has expanded its presence to serve customers in Singapore and Malaysia.

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