MoneyHero Limited (MNY) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

this non-IIFRS measures to the most directly comparable IFRS measures, please refer to our earnings release and SEC filings. Lastly, a webcast replay and a script of this conference call will be available on our IR website. Joining me today are Rocky Murphy, CEO, and Daniel Lo, CFO. Our management will share the strategy and business updates, operating highlights, and financial performance for the third quarter of 2025. This will be followed by a Q&A section. With that, let me turn the call over to Rohit. Thank you, Meena. Hello, everyone, and thank you for joining us. This is our final earnings call of 2025, and it marks the inflection point where Money Hero completes its strategic reset and enters the next phase. with an immediate line of sight to structural profitability and value creation than at any point since listing. Now, before getting into the quarter, I want to anchor the long-term picture, because this really frames where the company is heading and why we believe our execution will ultimately be reflected in a share price that better matches our intrinsic value. Now, over the next few years, we expect to deliver healthy annual revenue growth, continued margin expansion, and sustained positive free cash flow. Driven by our ongoing revenue makeshift towards higher margin products, AI-enabled operating leverage through Project Odyssey, and structurally lower operating costs and the new growth engines launched in Q4. This is the algorithm guiding the company and it's the lens through which we want investors to view our performance as we move through Q4 and into our medium-term trajectory. Now, let me get into Q3, where this turnaround has become visible. Now, Q3 delivered $21.1 million in revenue, up 17% quarter on quarter and 1% year on year. This was our se...