MoneyHero Group Reports Third Quarter 2025 Results

MoneyHero Group Q3 2025 Results: A Quantitative Deep‑Dive for FinTech Investors and Executives { "@context": "https://schema.org", "@type": "Article", "headline": "MoneyHero Group Q3 2025 Results: A Quantitative Deep‑Dive for FinTech Investors and Executives", "author": { "@type": "Person", "name": "Senior Technology Journalist" }, "datePublished": "2025-10-15", "articleBody": "" } MoneyHero Group Q3 2025 Results: A Quantitative Deep‑Dive for FinTech Investors and Executives Executive Summary Revenue rebounded to US$21.1 M, a 17 % sequential lift and only 1 % YoY growth, signalling a successful shift from high‑volume, low‑margin core services to premium Insurance & Wealth verticals. Adjusted EBITDA margin improved from –26.5 % to –8.4 %, driven by a 2‑percentage‑point increase in higher‑margin revenue mix and cost efficiencies from AI‑enabled underwriting. Net loss narrowed to US$(3.5) M versus US$5.7 M in Q3 2024, with the first nine months’ loss falling from US$(19.6) M to US$(5.7) M YoY—an 71 % improvement. Singapore and Hong Kong together account for 84 % of revenue; geographic concentration presents both a moat and a risk that can be mitigated by expansion into Vietnam, Indonesia, and other Southeast Asian markets. The company’s trajectory aligns with the broader “margin‑first” fintech trend, positioning it as a case study for peers seeking sustainable profitability in mature markets. Strategic Business Implications of the Revenue Turn‑Around MoneyHero’s 17 % sequential revenue lift is statistically significant in a sector where YoY growth has plateaued. The key driver is a deliberate shift from free budgeting tools—characterized by low acquisition cost but negligible margin—to subscription‑based Insurance & Wealth products that command higher price points and repeat billing cycles. From an investment lens, this pivot translates into: Revenue Quality Improvement : Higher gross margins (Insurance & Wealth now 23 % of revenue) reduce exposure to churn spikes that