June 24, 2026

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MoneyHero Limited (NASDAQ: MNY) reported first-quarter 2026 results with stronger revenue, improved adjusted EBITDA, higher approval rates, and growth in higher-margin Wealth and Insurance products, though net loss widened.
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MoneyHero is a personal finance aggregation and comparison platform serving Greater Southeast Asia, offering credit card, loan, mortgage, insurance, and wealth product comparisons through digital and AI-powered tools.
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The company reported a loss of $0.11 per share, wider than estimates for a loss of $0.06. Revenue came in at $16.52 million, above estimates of $16.18 million.

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Revenue Growth Was Led by Core Markets

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Revenue increased 15% year over year to $16.5 million.
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Hong Kong remained the strongest market, with revenue rising 33% to $8.5 million. Singapore revenue increased 11% to $5.6 million. Together, the two markets accounted for more than 85% of total revenue.
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Taiwan revenue declined 17%, while the Philippines fell 12%, as the company prioritized profitability and higher-quality volume over lower-margin activity.
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Higher-margin Wealth and Insurance revenue increased 31% to $4.7 million, accounting for more than 28% of total revenue. Wealth revenue rose 53% to $2.5 million, while Insurance revenue increased 12% to $2.1 million.
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Personal Loans and Mortgages revenue also grew 13% to $2.8 million.

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Cost Discipline Improved Adjusted EBITDA

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MoneyHero’s adjusted EBITDA loss narrowed 68% to $1.1 million from $3.3 million a year earlier.
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The improvement was driven by revenue growth, better monetization, and lower costs. Combined technology costs, employee benefits expenses, and advertising and marketing expenses fell 13% to $8.5 million.
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Management said AI-driven automation, technology stack simplification, streamlined headcount, and targeted marketing helped reduce costs while improving efficiency.
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The company’s approval rate improved to 48% from 36% last year, with 156,000 approved applications from 329,000 total applications.

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Net Loss Widened

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Net loss widened to $6.7 million from $2.4 million in the prior-year period.
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Management said the wider loss was mainly tied to non-cash and currency-related items, including a $1.1 million change in fair value of warrant liabilities and $2.4 million in unrealized foreign exchange losses.
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MoneyHero ended the quarter with $28.0 million in cash and cash equivalents and no debt.

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The Bigger Picture

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MoneyHero’s quarter showed stronger operating efficiency, even though headline losses widened.
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Revenue beat expectations, higher-margin verticals grew quickly, approval rates improved, and adjusted EBITDA loss narrowed sharply. The key question is whether the company can keep expanding revenue while using AI and cost discipline to move toward adjusted EBITDA profitability.
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