MoneyHero Group reported its first profitable quarter since listing on the Nasdaq, signaling a major operational milestone for the Southeast Asian fintech platform as cost reductions and higher-margin products helped drive a sharp financial turnaround in the fourth quarter of 2025.
The Singapore-based personal finance aggregation and comparison platform posted a net profit of US$0.5 million for the fourth quarter, reversing a net loss of US$18.8 million recorded in the same period a year earlier.
The company also delivered its first-ever positive adjusted EBITDA since going public, reaching US$0.7 million compared to a loss of US$2.9 million in Q4 2024.
Quarterly revenue rose 27% year-on-year to US$20 million, even as total operating costs and expenses fell 15% to US$21.4 million.
For the full year, MoneyHero narrowed its net loss by 86% to US$5.2 million from US$37.8 million in 2024, while adjusted EBITDA loss improved 73% to US$6.4 million.
IMAGE CREDIT: MoneyHero Group
“The fourth quarter marks our first profitable quarter as a listed company,” said Danny Leung, interim chief executive officer and chief financial officer of MoneyHero. He said the results reflected “clear, sequential execution” in improving the company’s revenue mix, cost base, and technology platform.
The turnaround was largely driven by strong performance in Singapore and Hong Kong, which together accounted for 86% of fourth-quarter revenue.
Revenue in Singapore surged 56% year-on-year to US$7.9 million, while Hong Kong posted 27% growth to US$9.4 million.
MoneyHero’s higher-margin insurance and wealth products continued to gain traction, contributing nearly 30% of total fourth-quarter revenue. Wealth revenue alone grew 50% during the quarter, while full-year insurance and wealth revenue rose 11% and 19%, respectively.
IMAGE CREDIT: Freepik
The company attributed much of its improved profitability to structural cost reductions, including a 71% drop in fourth-quarter technology expenses following vendor consolidation and the retirement of legacy systems.
Its artificial intelligence initiatives also played a central role in improving efficiency.
MoneyHero said AI automation now handles up to 70% of customer service queries, with 47% of inquiries in December resolved without human intervention. The company has also begun beta-testing its AI-powered Car Insurance SaverBot on WhatsApp in Singapore.
The company ended 2025 with US$31.2 million in cash and cash equivalents and remained debt-free.
Membership across its platforms grew 30% year-on-year to 9.4 million, with the Philippines accounting for 6.7 million members, or more than 70% of its total member base.
Looking ahead, MoneyHero expects full-year 2026 adjusted EBITDA to exceed 2025 levels as it continues expanding higher-margin verticals and scaling AI-driven operational efficiencies.
