Moneyhero Limited · NASDAQ:MNY
Moneyhero — Q1 2025 Earnings Presentation
25 slides from Moneyhero's earnings presentation, Jun 13, 2025
Slide 1: Investor Presentation
Nasdaq: MNY Investor Presentation April 2025 1
Slide 2: Empowering and connecting people to a better financial future
Empowering and connecting people to a better financial future 2
Slide 3: MoneyHero Group connects people to a better financial future
MoneyHero Group connects people to a better financial future Our mission at MoneyHero Group is to make all of life’s financial decisions a time saving and rewarding experience We educate people about personal finance, help them decide which products are best suited for their needs, and facilitate ge
Slide 4: Consumers need trusted sources of information to compare and decide
Product innovation and competition drives consumers to look for trusted sources of information to compare and decide With increasing number of personal With increasing competition leading finance options to consider… to higher customer acquisition costs… Financial Service Providers Credit Personal L
Slide 5: Our business
Our business Attract millions of users Trustworthy and free personal finance content, Simplifying financial decisions Expand and improve exclusive rewards Help users find our services for both the right products through accessible content and users and providers Continuous Comprehensive improvement
Slide 6: Investment thesis
Investment thesis A Market Leader In the Rapidly Expanding Greater Southeast Asia Market Large Addressable Market That is Growing via Digital Adoption of Product Distribution Proven Scalable Business Model with Significant Runway Near Term Path to Profitability Enabling Continued Future Investment f
Slide 7: MoneyHero Group is a market leading online financial comparison platform in Greater Southeast Asia
MoneyHero Group is a market leading online financial comparison platform in Greater Southeast Asia Key Stats (1) Group Revenue (5) (US$M) 28% 4 151M 20-24 CAGR Operating Markets in Total Populations in Greater Southeast Asia Four Operating Markets 81 80 68 62 6.2M 72% Monthly Unique Users (2) Organi
Slide 8: 6.2M monthly unique users and 7.5M members
1.7M monthly unique users 1.1M monthly 6.2M monthly unique users unique users (1) 1.9M monthly unique users and 7.5M members (2) ENGAGE WITH OUR 5 BRANDS ACROSS 4 MARKETS 0.9M monthly unique users 0.5M monthly unique users Notes: 1. Monthly Unique Users during Q4 2024; members as of December 31, 202
Slide 9: Our brands are trusted and hold leading market share
Our brands are trusted and hold leading market share SINGAPORE #1 HONG KONG #1 PHILIPPINES #1 TAIWAN #1 59% 49% 49% 33% Source: Semrush Note: Market share is based on 2022 total visit durations (time spent per visit multiplied by the number of visits) relative to that of key competitors in each mark
Slide 10: We operate in a large, high growth region that is digitally-enabled
We operate in a large, high growth region that is digitally-enabled 152M Total Population 4.3% Disposable Income Growth IN OUR FOUR OPERATING MARKETS IN 2022 CAGR 2023E-2028E IN OUR FOUR OPERATING MARKETS 700M+ in Greater Southeast Asia 68M Banked Population 88% Households with Smartphones IN OUR FO
Slide 11: Large addressable market of $9B+ revenue opportunity
Large addressable market of $9B+ revenue opportunity(1) with strong underlying trends towards digital channels Credit Cards Markets (2) Consumer Insurance Markets (2) Consumer Lending Markets (2) Total card transactions (in billions) Online consumer insurance GWP (US$B) (3) Online consumer gross len
Slide 12: Our business pillars
Our business pillars Financial Products Platforms B2B Business Our platforms provide free, comprehensive information across 2,000+ Creatory expands our ecosystem and user reach by providing our financial products, including credit cards, personal loans, various digital technology solutions to third-
Slide 13: MoneyHero's financial products platform
MoneyHero’s financial products platform MoneyHero attracts high-quality users through creative content and innovative tools, while delivering high and reliable volumes of new customers to our financial product partners Users (2) Tools & Resources Product Partners Relevant Content 6.2M 72% 280+ 1.7M+
Slide 14: Creatory expands MoneyHero's reach by capturing and converting 3rd party traffic sources
Creatory expands MoneyHero’s reach by capturing and converting 3rd party traffic sources Creatory is MoneyHero’s B2B service offering – enabling digital businesses to monetize their user base through MoneyHero’s commercial partnerships EXPANDED Value Proposition for Creators & Partners: ADDRESSABLE
Slide 15: Financials (MoneyHero Group Standalone)
Financials (MoneyHero Group Standalone) 16
Slide 16: Proven track record of delivering value to users and financial services providers
Proven track record of delivering value to MoneyHero users and financial services providers While applications increased by 4% YoY, revenue decreased by 1% YoY largely due to lower pricings for Credit Cards across markets post-Citi’s exit as well as growth of insurance verticals that have lower Reve
Slide 17: Group revenue and EBITDA
Group revenue and EBITDA Revenue decreased 1% YoY and Adj. EBITDA loss increased to US$(23.4)m in FY 2024, driven primarily by increased investment in marketing and customer acquisition to expand market share in 1H 2024. In Q4 2024 however, EBITDA loss improved significantly to US$(2.9)m as we execu
Slide 18: Revenue by product vertical and business pillar
Revenue by product vertical and business pillar Wealth revenue increased by 138% year-over-year, contributing to 11% of total revenue in FY 2024. Insurance continues to show strong revenue growth, increasing 40% YoY supported by robust growth in travel insurance 2023 & 2024 Revenue by Vertical (1) (
Slide 19: Segment profitability
Segment profitability Singapore and Hong Kong were the largest loss-making markets as part of our growth strategy to increase market share. We shifted our focus to profitability and revenue diversification from 2H 2024. Revenue by Market (US$M) (1) (2) Segment Income (Loss) by Market (US$M) (3) 81 8
Slide 20: Appendix
Appendix 21
Slide 21: Non-IFRS adjusted EBITDA reconciliation
Non-IFRS adjusted EBITDA reconciliation For the Three Months Ended For the Year Ended December 31, December 31, ► Adjusted EBITDA loss increased, from 2024 2023 2024 2023 $(6.8)M in FY 2023 to $(23.7)M in FY 2024 (US$ in thousands) largely due to increase in rewards and Profit/(Loss) for the period
Slide 22: Profit and Loss of MoneyHero Group
Profit and Loss of MoneyHero Group For the Three Months Ended For the Year Ended December 31, December 31, 2024 2023 % YoY 2024 2023 % YoY (US$ in thousands, except loss per share) Revenue 15,723 26,397 (40)% 79,511 80,671 (1)% Costs and expenses: Cost of revenue (6,603) (17,601) (62)% (46,180) (43,
Slide 23: Balance Sheet of MoneyHero Group
Balance Sheet of MoneyHero Group As of 31 December 2024 As of 31 December 2023 (US$ in thousands) NON-CURRENT ASSETS Non-current financial asset 600 - Intangible assets 1,018 7,294 Property and equipment 215 190 Right-of-use assets 744 590 Deposits 25 26 Total non-current assets 2,601 8,100 CURRENT
Slide 24: Forward-Looking Statements
Forward-Looking Statements This document includes “forward-looking statements” within the meaning of the United States federal securities laws and also contains certain financial forecasts and projections. All statements other than statements of historical fact contained in this communication, inclu
Slide 25: Thank you
Thank you 26