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- **Q3 Milestone**: First profitable quarter (adjusted EBITDA positive) with $21.1M revenue, 17% QoQ growth, and 68% EBITDA improvement. Insurance/wealth now 23% of revenue.
- **AI-Driven Efficiency**: Project Odyssey automates 70%+ service inquiries, cutting tech costs by 55% and employee benefits by 26%. 2026 targets EBITDA expansion through AI and high-margin verticals.
- **Strategic Shift**: Exiting low-margin credit cards, focusing on insurance (13% YoY), wealth (5% YoY), and personal loans via Credit Hero Club. Singapore revenue up 30% YoY.
- **2026 Vision**: Solid top-line growth, free cash flow, and EBITDA expansion. M&A to follow disciplined, synergistic approach post-profitability proof.

**【CEO Summary Section】**
- **Strategic Reset and Profitability**: CEO Rohith Murthy highlighted Q3 as the inflection point, with the company entering a phase of structural profitability. Q3 revenue reached $21.1 million, up 17% QoQ and 1% YoY, driven by a shift to higher-margin insurance (13% YoY growth) and wealth (5% YoY growth) products. Adjusted EBITDA loss improved 68% YoY to -$1.8 million, with a margin improvement of 1,800 basis points to -8.4%.
- **Project Odyssey AI Initiative**: The AI stack automates 70%-80% of service inquiries, reducing tech costs by 55% YoY and employee benefits by 26%. Project Odyssey is projected to drive EBITDA uplift through efficient customer acquisition, approval prediction, and service automation.
- **Q4 Outlook**: Expected first profitable quarter (positive adjusted EBITDA) on strong insurance/wealth growth, Singapore partner budgets, and cost discipline. 2026 targets include solid top-line growth, margin expansion, and free cash flow generation.

**【CFO Financial Commentary】**
- **Revenue and Mix**: Q3 revenue of $21.1 million reflects a strategic pivot away from low-margin credit cards. Insurance and wealth now account for 23% of revenue, up from 21% YoY. Singapore revenue grew 30% YoY to $10.2 million, while Hong Kong stabilized at $7.5 million post-strategic scaling back of credit card campaigns.
- **Cost Efficiency**: Operating expenses fell 13% YoY to $23.9 million, driven by tech cost reductions (55% YoY), employee benefits savings (26%), and optimized marketing spend. AI automation enables multiyear operating leverage, with incremental revenue flowing to the bottom line.
- **Profitability Drivers**: Q3 marked the second consecutive quarter of sequential EBITDA improvement, with Q4 expected to deliver positive EBITDA. 2026 will focus on scaling profitability through AI and high-margin verticals.

**【Q&A Key Highlights】**
- **Crypto Strategy**: Partnering with OSL and Coinbase to integrate crypto into wealth journeys, targeting 2-3 years for meaningful contribution. No standalone revenue targets; focus on regulated, suitability-aligned growth.
- **AI Risk Mitigation**: AI enhances user experience and operational efficiency, positioning MoneyHero as an AI-native financial platform. Project Odyssey's data moat and regulatory alignment reduce displacement risks.
- **M&A and Partnerships**: Disciplined capital allocation prioritizes organic growth in insurance, wealth, and personal loans. Potential M&A focused on cost/revenue synergies and AI compatibility. Credit Hero Club launch in Hong Kong aims to personalize credit offers and expand personal loan segment.
- **Segment Outlook 2026**: Insurance and wealth to grow beyond 23% of revenue, with focus on real-time pricing and end-to-end journeys. Personal loans to benefit from Credit Hero Club and seasonality, while credit cards maintain medium-margin contribution.

MoneyHero Limited (MNY) Q3 2025 Earnings Call Transcript

Revenue

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Operating Expenses

Selling, General and Administrative Expenses

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MNY

MNY fundamentals

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