The Q4 profitability milestone and positive EBITDA are significant inflection points, but the 8% full-year revenue decline and massive Q3 EPS miss temper the narrative. Watch for Q1 2026 results to confirm whether the Q4 profitability is sustainable or seasonal; the 2026 Adjusted EBITDA guidance (above 2025 levels) is non-quantified and should be treated as soft.
Price Chart
Executive Summary
MoneyHero reported Q4 2025 revenue of $20.0M (+27% YoY) and its first-ever quarterly net profit of $0.5M, a sharp turnaround from a $18.8M loss a year ago. However, full-year revenue fell 8% to $73.4M, and the Q3 2025 EPS of -$0.10 missed consensus of -$0.01 by 900%, reflecting ongoing losses outside the seasonally strong Q4.
Key Financial Metrics
Key Facts
- Q4 2025 revenue $20.0M, +27% YoY from $15.7M
- First-ever quarterly net profit of $0.5M vs. -$18.8M loss in Q4 2024
- First-ever positive Adjusted EBITDA of $0.7M vs. -$2.9M in Q4 2024
- Full-year 2025 revenue $73.4M, -8% YoY from $79.5M
- Full-year net loss narrowed 86% to -$5.2M from -$37.8M
- Q3 2025 EPS -$0.10 missed consensus -$0.01 by 900%
- Cash and cash equivalents $31.2M, up $3.3M sequentially; debt-free balance sheet
- Insurance and Wealth revenue combined reached 30% of Q4 revenue, up from 29%
- Singapore revenue +56% YoY; Hong Kong +27% YoY in Q4
- Management expects full-year 2026 Adjusted EBITDA to exceed 2025 levels
Financial Impact
Q4 net profit of $0.5M vs. -$18.8M loss; full-year revenue decline of 8% to $73.4M; Q3 EPS miss of 900%
Risk Factors
- Full-year revenue declined 8% YoY despite Q4 strength, indicating underlying top-line pressure
- Q3 2025 EPS miss of 900% signals volatility in quarterly earnings
- Non-IFRS Adjusted EBITDA excludes significant items (share-based comp, FX, impairment) that may recur
- Dependence on Singapore and Hong Kong (86% of Q4 revenue) creates geographic concentration risk
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3284754 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 9, 2026 17d ago | 6-K | $0.6700 | awaiting T+20 | — | $0.5590 (−16.57%) |
Sep 28, 2026 27d ago | Press Release | $0.7226 | awaiting T+20 | — | $0.5590 (−22.64%) |
Sep 11, 2026 6w ago | 6-K | $0.7600 $0.6600 | ▲ +13.16% | ▲ +15.03% | $0.5590 (+26.45%) |
Sep 11, 2026 6w ago | Press Release | $0.7600 $0.6600 | ▲ +13.16% | ▲ +15.03% | $0.5590 (+26.45%) |
Aug 28, 2026 8w ago | 6-K | $0.8899 $0.6750 | ▼ −24.15% | ▼ −24.41% | $0.5590 (−37.18%) |
Jun 24, 2026 17w ago | 6-K | $0.9648 $0.9700 | ▲ +0.54% | ▼ −1.39% | $0.5590 (−42.06%) |
Jun 24, 2026 17w ago | Press Release | $0.9648 $0.9700 | ▲ +0.54% | ▼ −1.39% | $0.5590 (−42.06%) |
Jun 18, 2026 18w ago | EFFECT | $1.18 $0.9504 | ▼ −19.44% | ▼ −19.97% | $0.5590 (−52.62%) |
Jun 10, 2026 19w ago | Press Release | $1.30 $0.9349 | ▼ −28.08% | ▼ −31.71% | $0.5590 (−57.00%) |
Apr 30, 2026 25w ago | Press Release | $1.33 $1.34 | ▲ +0.38% | ▼ −4.85% | $0.5590 (−57.97%) |
US Market Status
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