The Q4 profitability milestone is a positive catalyst, but the 8% full-year revenue decline signals ongoing top-line challenges. Monitor the Q1 2026 earnings for confirmation of sustained revenue growth and margin expansion, particularly in Insurance and Wealth verticals. The debt-free balance sheet with US$31.2M cash provides a cushion, but the stock's micro-cap status (US$2M market cap) amplifies volatility risk.
Price Chart
Executive Summary
MoneyHero reported Q4 2025 net profit of US$0.5 million, its first profitable quarter since listing, with Q4 revenue up 27% YoY to US$20.0 million. However, full-year 2025 revenue declined 8% YoY to US$73.4 million, and the company remains unprofitable on a full-year basis with a net loss of US$5.2 million. The Q4 turnaround was driven by structural cost reductions and a shift to higher-margin Insurance and Wealth products, but the full-year revenue decline tempers the positive quarterly signal.
Key Facts
- Q4 2025 net profit of US$0.5 million vs. net loss of US$18.8 million in Q4 2024
- Q4 2025 revenue increased 27% YoY to US$20.0 million
- Full-year 2025 revenue declined 8% YoY to US$73.4 million from US$79.5 million
- Full-year 2025 net loss narrowed to US$5.2 million from US$37.8 million
- First-ever Adjusted EBITDA gain of US$0.7 million in Q4 2025
- Cash and cash equivalents of US$31.2 million as of Dec 31, 2025, up from US$27.9 million as of Sep 30, 2025
- Insurance and Wealth products accounted for 26% of full-year revenue, up from 21% in 2024
- Total operating costs and expenses (ex-FX) decreased 27% YoY for full year 2025
Financial Impact
Q4 net profit of US$0.5 million and Adjusted EBITDA of US$0.7 million vs. prior year losses; full-year revenue down 8% to US$73.4 million
Risk Factors
- Full-year 2025 revenue declined 8% YoY, indicating structural top-line headwinds
- Philippines revenue dropped 43% in Q4 and 43% for the full year, suggesting market-specific weakness
- Monthly Unique Users fell from 6.2M to 4.2M YoY in Q4, raising concerns about user acquisition and retention
- Management guidance for 2026 Adjusted EBITDA improvement is forward-looking and unquantified
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 6-K Filing (Primary) | 0001213900-26-049716 |
| Document: ea0287131-6k_money.htm | 0001213900-26-049716 |
| Document: 0001213900-26-049716-index-headers.html | 0001213900-26-049716 |
| Document: 0001213900-26-049716-index.html | 0001213900-26-049716 |
| Document: 0001213900-26-049716.txt | 0001213900-26-049716 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jun 10, 2026 19w ago | 6-K | $0.0483 $0.0457 | ▼ −5.38% | ▼ −9.01% | $0.0220 (−54.45%) |
May 29, 2026 21w ago | 6-K | $0.0510 $0.0448 | ▼ −12.16% | ▼ −10.86% | $0.0220 (−56.86%) |
Apr 30, 2026 25w ago | 6-K | $0.0540 $0.0500 | ▼ −7.41% | ▼ −12.63% | $0.0220 (−59.26%) |
Apr 16, 2026 27w ago | 6-K | $0.0660 $0.0540 | ▼ −18.18% | ▼ −24.00% | $0.0220 (−66.67%) |
US Market Status
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