MoneyHero Limited SEC Filings

MoneyHero Limited filed Amendment No. 1 to its Form 20-F to correct typographical errors in the Edgarized opinion of its former auditor Ernst & Young, without changing underlying disclosures except for updated consents and certifications. For 2025, the company reported revenue of $73,426,381, down modestly from $79,510,746 in 2024, but sharply reduced its loss for the year to $5,178,975 from $37,787,339. Operating loss narrowed to $5,997,026 as cost of revenue, marketing, technology and employee expenses all declined. Net cash used in operating activities improved to $10,248,680 from $24,888,188, and cash and cash equivalents were $31,185,296 at year-end 2025. Net assets stood at $39,410,709, with total equity comprised mainly of share premium and reserves. Management states it is not involved in any material legal or administrative proceedings and does not expect to pay cash dividends in the foreseeable future, prioritizing reinvestment in business growth.

MoneyHero Limited reported several Board changes aimed at aligning governance with its strategic vision. Steven Teichman has been appointed Chairman of the Board and Chair of the Nominating and Corporate Governance Committee, effective May 19, 2026, succeeding Kenneth Chan, who remains a Director and member of key committees. Jacqueline Thong has joined as a Director and member of the Compensation Committee. The Board also accepted Derek Fong’s resignation as Director, committee member, and Chief Innovation Officer, noting it was not due to any dispute or disagreement. MoneyHero highlights its presence across Singapore, Hong Kong, Taiwan and the Philippines, over 300 commercial partner relationships as of December 31, 2025, and approximately 5.1 million Monthly Unique Users for the year ended December 31, 2025.

MoneyHero Limited operates tech- and AI‑driven personal finance comparison and digital insurance platforms across Singapore, Hong Kong, Taiwan and the Philippines under brands including MoneyHero, SingSaver, Money101, Moneymax, Seedly and Creatory. It earns mainly performance‑based fees for leads and approved applications on credit cards, loans and insurance.

For the year ended December 31, 2025, revenue was $73.4M, down from $79.5M in 2024, while loss for the year narrowed sharply to $5.2M from $37.8M. Adjusted EBITDA loss improved to $6.4M. Hong Kong and Singapore each contributed about 42% of 2025 revenue.

The group reported around 5.1 million Monthly Unique Users, 63.7 million traffic sessions and approximately 9.4 million registered members as of December 31, 2025, with most traffic and users coming from unpaid channels. Cash and cash equivalents were $31.2M at year‑end, versus $42.5M a year earlier, after negative operating cash flow.

MoneyHero Limited reported its first profitable quarter as a listed company for Q4 2025, with net profit of US$0.5 million versus a net loss of US$(18.8) million a year earlier. Adjusted EBITDA turned positive at US$0.7 million, marking its first-ever Adjusted EBITDA gain since listing.

Q4 2025 revenue rose 27% year-over-year to US$20.0 million, led by Singapore at US$7.9 million (up 56%) and Hong Kong at US$9.4 million (up 27%). Higher-margin Insurance and Wealth products reached nearly 30% of Q4 revenue as the company shifted away from lower-margin verticals.

For full-year 2025, revenue declined 8% to US$73.4 million, but net loss narrowed 86% to US$(5.2) million and Adjusted EBITDA loss improved 73% to US$(6.4) million. Cost of revenue fell to 51% of revenue, while technology costs, advertising and marketing, and employee benefit expenses dropped sharply through vendor consolidation, restructuring, and expanding AI automation.

The company ended 2025 debt-free with net current assets of US$37.5 million and cash and cash equivalents of US$31.2 million. Its member base grew to 9.4 million, supported by AI initiatives such as automated customer service and new products like the Car Insurance SaverBot and Credit Hero Club.

MoneyHero Ltd ownership disclosure: Jonathan Honig and the Elizabeth Honig TR FBO Elizabeth Honig Lifetime Trust UA July 9, 2013 report collective beneficial ownership of 2,941,000 Class A ordinary shares, representing 9.631% of the Class A shares. The filing states this percentage is based on 30,533,952 Class A Shares outstanding as of September 30, 2025 (Post-Effective Amendment 6 to Form F-1).

The statement allocates shared voting and dispositive power over the 2,941,000 shares to both reporting persons; each reports 0 sole voting and dispositive power. Jonathan Honig disclaims beneficial ownership of the 635,000 shares held by the trust while noting shared control with Elizabeth Honig.

MoneyHero Limited will release its fourth quarter and full year 2025 results on April 30, 2026 before market opens. The company will host a conference call to discuss the results at 8:00 a.m. EDT, which is 8:00 p.m. Hong Kong/Singapore time, with access via webcast and audio registration links.

MoneyHero operates a tech- and AI-powered personal finance aggregation and comparison platform and digital insurance brokerage across Singapore, Hong Kong, Taiwan and the Philippines. As of September 30, 2025, it had over 260 commercial partner relationships and approximately 5.1 million Monthly Unique Users across its platform, highlighting the scale of its regional footprint.

MoneyHero Limited has appointed Chief Financial Officer Danny Leung as Interim Chief Executive Officer, effective 2 April 2026 (Singapore time). He replaces Rohith Murthy, whose tenure as CEO has concluded, though Murthy will remain on the Board as a Director.

The Board has begun a comprehensive search for a permanent CEO and expressed confidence in the management team’s ability to execute during the transition. The company highlights Leung’s extensive financial background and familiarity with MoneyHero’s operations as key strengths for maintaining strategic continuity.

MoneyHero Ltd director Daniel Hua-chang Wang reported his initial ownership in a Form 3 filing. He holds 218,140 Class A Ordinary Shares, represented by fully vested restricted share units. Each RSU gives the right to receive one Class A ordinary share upon settlement.

MoneyHero Ltd Chief Financial Officer Leung Ka Yip Danny filed an initial ownership report showing beneficial ownership of 35,281 Class A ordinary shares in the form of restricted share units (RSUs). One-third of these RSUs is already vested, and the remaining awards will vest in equal installments on December 9, 2026 and December 9, 2027, contingent on his continued service with the company.