MoneyHero公布2026年首季收入增15%至1650萬美元 經調整EBITDA虧損收窄68%

EX-99.1
2
ea029563101ex99-1.htm
PRESS RELEASE

 

Exhibit 99.1

 

 

MoneyHero Group Reports Unaudited
First Quarter 2026 Results

 

●Strong
top-line growth with revenue increasing 15% year-over-year to US$16.5 million, driven by higher-margin Wealth and Insurance revenue which
growing 31% year-over-year to account for over 28% of revenue compared with 25% in the prior year period

 

●Structural cost discipline delivering sustained operating
efficiency, with combined technology costs, employee benefits expenses, and advertising and marketing expenses decreasing 13% year-over-year
to US$8.5 million through ongoing technology stack simplification, AI-driven automation and streamlined headcount

 

●Continued progress toward sustainable profitability, with
our net loss at US$(6.7) million, primarily driven by non-cash and currency adjustments, while our Adjusted EBITDA1
loss narrowed significantly by 68% year-over-year to US$(1.1) million

 

HONG KONG and SINGAPORE, June 24, 2026 (GLOBE
NEWSWIRE) -- MoneyHero Limited (Nasdaq: MNY) (“MoneyHero” or the “Company”), a leading tech- and AI-powered personal
finance aggregation and comparison platform and a digital insurance brokerage provider in Greater Southeast Asia, today announced its
financial results for the first quarter ended March 31, 2026.

 

Management Commentary:

 

Danny Leung, Interim Chief Executive Officer
and Chief Financial Officer, stated:

 

“Our first-quarter performance reflects
continued progress toward sustainable, profitable scaling. While we delivered encouraging revenue growth and improved operating efficiency
during the quarter, we remain fully focused on executing against our broader full year 2026 objectives and navigating a dynamic operating
environment. We delivered revenue of US$16.5 million, increasing a solid 15% year-over-year. More importantly, what stands out is the
quality of that growth: our disciplined focus on optimizing unit economics has translated into meaningful operating efficiency gains and
stronger monetization across our core markets and verticals.

 

Geographically, our performance was anchored by
our two core markets, which together accounted for over 85% of revenue. Revenue in Hong Kong surged 33% year-over-year to US$8.5 million,
further solidifying our market leadership, while revenue in Singapore delivered steady growth of 11% year-over-year to US$5.6 million.
Taiwan and the Philippines, continue to recover as the structural leverage we are building there takes firmer hold. In Taiwan, we successfully
optimized our localized product yields, driving enhanced conversion efficiencies across our core verticals, while in the Philippines,
we prioritized core profitability by strategically reducing lower-margin
volume. While these initiatives led to respective year- over-year revenue declines of 17% and 12% in the two markets, they reflect our
deliberate prioritization of margin quality over volume, directly supporting improvements in Adjusted EBITDA.

 

 

1Adjusted EBITDA is a non-IFRS
financial measure. See “Key Performance Metrics and Non-IFRS Financial Measures” section herein for an explanation and reconciliations
of non-IFRS measures used throughout this release.

 

  

  

 

 

Revenue mix optimization continued to accelerate
our margin expansion trajectory. Combined revenue from our higher-margin Wealth and Insurance verticals grew 31% year-over-year to US$4.7
million, accounting for over 28% of revenue, compared with 25% in the prior year period. Our Wealth vertical was the highlight this quarter,
with revenue expanding by 53% year-over-year to US$2.5 million. Insurance revenue grew 12% year-over-year to US$2.1 million. Our Personal
Loans and Mortgages vertical also contributed, delivering 13% year-over-year revenue growth from US$2.5 million to US$2.8 million.

 

We continued to make strong progress on our AI
transformation initiative this quarter. We expanded AI capabilities across product development and engineering, and began extending AI
adoption group-wide. AI has fundamentally changed how we design and build products. Our teams increasingly spend their time directing
and refining what AI produces, rather than coding manually, and AI now drives the majority of what we build. This structural operational
change underpins our ability to scale output while maintaining a lean technology and employee cost base — a key reason technology
costs and employee benefit expenses continue to decline year-over-year. Building on the service-automation milestones we achieved in 2025,
we are now extending AI adoption into core processes across the organization to identify further cost-saving and business synergies opportunities,
break down silos, and drive cross-functional collaboration. This group-wide expansion is still in the early stages, and we will measure
success by tangible operational and financial outcomes.

 

More importantly, this AI transformation initiative
continues to decouple revenue growth from cost base and drive efficiency. As we indicated last quarter, we have now begun leveraging AI
to drive revenue growth. AI remains a core pillar of margin expansion and our path toward sustainable profitability.

 

Operationally, our efficiency gains are structural
and enduring. Through disciplined scaling of our AI-integrated architecture, we have structurally optimized our cost base. Our combined
technology costs, employee benefit expenses, and advertising and marketing expenses fell 13% year-over-year to US$8.5 million. Even with
a more streamlined marketing framework, our approval rates expanded from 36% to 48%, and we still delivered year-over-year growth in total
approved applications. Consequently, our Adjusted EBITDA loss narrowed sharply by 68% year-over-year to US$(1.1) million, setting a clear,
near-term path toward sustainable Adjusted EBITDA profitability.

 

Our net loss of US$(6.7) million for the quarter
widened from US$(2.4) million in the prior year period due to macroeconomic and non-cash accounting factors — specifically a US$1.1
million non-cash change in the fair value of warrant liabilities and US$2.4 million in net unrealized foreign exchange losses from regional
currency fluctuations against the US dollar. Excluding these items, our underlying operational performance, as reflected in our Adjusted
EBITDA trajectory, remains robust.

 

We ended the quarter with a healthy, debt-free balance sheet with US$28.0
million in cash and cash equivalents and US$32.8 million in net current assets as at March 31, 2026. This financial runway allows us to
comfortably fund our organic growth roadmap—including the expansion of our TransUnion-backed Credit Hero Club in Hong Kong—while
proactively evaluating business expansion opportunities. Looking ahead through the remainder of 2026, we remain confident in our long-term
strategy and growth opportunities while continuing to focus on disciplined execution, talent retention, operational efficiency and the
successful implementation of key strategic initiatives.”

 

 2

  

 

 

First Quarter 2026 Financial Highlights

 

●Revenue was US$16.5 million, a 15% year-over-year increase
from US$14.3 million in the same period last year, with double-digit growth across all of our core verticals (Credit Cards, Personal
Loans and Mortgages, Wealth and Insurance), driven by strong performance in our core markets: Hong Kong grew by 33% year-over-year to
US$8.5 million and Singapore by 11% year-over-year to US$5.6 million, reflecting our deliberate focus on expanding product offerings
and market share within our largest markets

 

oCombined revenue from higher-margin Wealth and Insurance products
increased 31% year-over-year to US$4.7 million, accounting for over 28% of revenue, compared with 25% in the same period last year

 

●Net loss was US$(6.7) million in the first quarter of 2026,
compared to a net loss of US$(2.4) million in the prior year period. This was driven by macroeconomic and non-cash accounting factors,
including a US$1.1 million change in the fair value of warrant liabilities and US$2.4 million in net unrealized foreign exchange losses
resulting from regional currency depreciation against the US dollar

 

●Adjusted EBITDA loss improved significantly by 68% year-over-year
to US$(1.1) million in the first quarter of 2026, from US$(3.3) million in the same period last year, predominantly driven by revenue
growth across our core verticals, and structural cost reductions across advertising and marketing expenses, employee benefit expenses
and technology costs

 

●Technology costs, employee benefit expenses and advertising
and marketing expenses combined decreased 13% year-over-year to US$8.5 million, down from US$9.8 million during the same period last
year. This reduction was attributable to technology stack simplification, enhanced platform efficiency, streamlined headcount,
and data-driven targeted marketing campaigns

 

First Quarter 2026 Operational Highlights

 

●Monthly Unique Users totaled 3.9 million for the three months
ended March 31, 2026

 

●MoneyHero Group Members grew by 24% year-over-year to 9.8
million as of March 31, 2026, creating a deep foundation of registered users to power personalized product matching and targeted financial
recommendations

 

●MoneyHero’s approval rate expanded significantly year-over-year
from 36% to 48%, with 156,000 approved applications out of 329,000 applications. This improvement underscores optimized customer acquisition
and a shift of applications and approved applications towards higher-conversion products, such as Insurance.

 

 3

  

 

 

Summary of financial / KPI performance

 

 
   
 For the Three Months Ended March 31, 

 
 (US$ in thousands, unless otherwise noted) 
 2026  
 2025 

 
   
 (unaudited) 

 
   
    
   

 
 Revenue 
  16,517  
  14,314 

 
 Adjusted EBITDA 
  (1,064) 
  (3,309)

 
   
     
    

 
 Clicks (in thousands) 
  1,394  
  2,081 

 
 Applications (in thousands) 2,3 
  329  
  434 

 
 Approved Applications (in thousands)2,3 
  156  
  155 

 

 

Revenue breakdown

 

 
   
 For the Three Months Ended March 31, 

 
   
 2026  
 2025 

 
 (US$ in thousands, except for percentages) 
 US$  
 %  
 US$  
 % 

 
   
 (unaudited) 

 
 By Geographical Market: 
    
    
   

 
 Hong Kong 
  8,478  
  51.3  
  6,397  
  44.7 

 
 Singapore 
  5,642  
  34.2  
  5,084  
  35.5 

 
 Philippines 
  1,472  
  8.9  
  1,779  
  12.4 

 
 Taiwan 
  925  
  5.6  
  1,054  
  7.4 

 
 Total Revenue 
  16,517  
  100.0  
  14,314  
  100.0 

 
   
     
     
     
    

 
 By Source: 
     
     
     
    

 
 Online financial comparison platforms 
  14,970  
  90.6  
  12,638  
  88.3 

 
 Creatory 
  1,547  
  9.4  
  1,676  
  11.7 

 
   
     
     
     
    

 
 Total Revenue 
  16,517  
  100.0  
  14,314  
  100.0 

 
   
     
     
     
    

 
 By Vertical: 
     
     
     
    

 
 Credit cards 
  8,992  
  54.4  
  8,173  
  57.1 

 
 Personal loans and mortgages 
  2,828  
  17.1  
  2,495  
  17.5 

 
 Wealth 
  2,542  
  15.4  
  1,663  
  11.6 

 
 Insurance 
  2,113  
  12.8  
  1,892  
  13.2 

 
 Other verticals 
  42  
  0.3  
  91  
  0.6 

 
   
     
     
     
    

 
 Total Revenue 
  16,517  
  100.0  
  14,314  
  100.0 

 

 

 

2Due to the nature of our business,
there is often a delay in receiving confirmation of the number of Applications and Approved Applications by our commercial partners.
As a result, the disclosed figures may utilize estimations if data is unavailable.

3Historical MoneyHero Group Members, Applications and Approved
Applications as of and for comparative periods prior to September 30, 2025, have been restated to be presented on a comparable basis
to our current data governance practices. These revisions had no impact on our consolidated financial statements for any of the periods
presented.

 

 4

  

 

 

Key Metrics

 

 
   
 For the Three Months Ended   March 31, 

 
   
 2026  
 2025 

 
   
 (in millions, except for percentages) 

 
 Monthly Unique Users 
    
    
   

 
 Singapore 
  0.8  
  20.7% 
  1.3  
  22.6%

 
 Hong Kong 
  1.2  
  30.1% 
  1.0  
  17.3%

 
 Taiwan 
  1.1  
  28.0% 
  1.8  
  31.2%

 
 Philippines 
  0.8  
  21.2% 
  1.6  
  28.9%

 
 Total 
  3.9  
  100.0% 
  5.7  
  100.0%

 
   
     
     
     
    

 
 Total Traffic 
     
     
     
    

 
 Singapore 
  2.3  
  18.1% 
  3.1  
  17.6%

 
 Hong Kong 
  4.0  
  32.0% 
  3.3  
  18.8%

 
 Taiwan 
  3.5  
  28.7% 
  5.8  
  33.5%

 
 Philippines 
  2.6  
  21.2% 
  5.3  
  30.1%

 
 Total 
  12.4  
  100.0% 
  17.5  
  100.0%

 

 

 
   
 As of March 31, 

 
   
 2026  
 2025 

 
   
 (in millions, except for percentages) 

 
 MoneyHero Group Members4 
    
    
   

 
 Singapore 
  1.5  
  15.2% 
  1.3  
  16.3%

 
 Hong Kong 
  1.0  
  10.5% 
  0.9  
  10.9%

 
 Taiwan 
  0.4  
  4.1% 
  0.4  
  4.6%

 
 Philippines 
  6.9  
  70.2% 
  5.4  
  68.2%

 
 Total 
  9.8  
  100.0% 
  8.0  
  100.0%

 

 

 

4Historical MoneyHero Group Members, Applications and Approved
Applications as of and for comparative periods prior to September 30, 2025, have been restated to be presented on a comparable basis
to our current data governance practices. These revisions had no impact on our consolidated financial statements for any of the periods
presented.

 

 5

  

 

 

Conference Call Details

 

The Company will host a conference call and
webcast on Wednesday, June 24, 2026, at 8:00 a.m. Eastern Time / 8:00 p.m. Hong Kong/Singapore Time to discuss the
Company’s financial results. The MoneyHero Limited (NASDAQ: MNY) Q1 2026 Earnings call can be accessed by registering at:

 

Webcast: https://edge.media-server.com/mmc/p/b7wwzyug

 

Conference call: https://register-conf.media-server.com/register/BIc910046ad194431c9631e21c0745482f

 

The webcast replay will be available on the Investor
Relations website for 12 months following the event.

 

About MoneyHero Group

 

MoneyHero Limited (NASDAQ: MNY) is a leading tech-
and AI-powered personal finance aggregation and comparison platform that provides consumers with actionable insights to discover, compare,
and choose the best financial products with confidence — bringing data intelligence and seamless digital access across insurance
and banking solutions. The Company operates in Singapore, Hong Kong, Taiwan and the Philippines. Its brand portfolio includes B2C platforms
MoneyHero, SingSaver, Money101, Moneymax and Seedly, as well as the B2B platform Creatory. The Company also retains an equity stake in
preference shares in Malaysian fintech company, Jirnexu Pte. Ltd., parent company of Jirnexu Sdn. Bhd., the operator of RinggitPlus, Malaysia’s
largest operating B2C platform. MoneyHero had over 270 commercial partner relationships as at March 31, 2026, and had approximately 3.9
million Monthly Unique Users across its platform for the three months ended March 31, 2026. The Company’s backers include Peter
Thiel—co-founder of PayPal, Palantir Technologies, and the Founders Fund—and Hong Kong businessman, Richard Li, the founder
and chairman of Pacific Century Group. To learn more about MoneyHero and how the innovative fintech company is driving APAC’s digital
economy, please visit www.MoneyHeroGroup.com.

 

 6

  

 

 

Key Performance Metrics and Non-IFRS Financial
Measures

 

“Monthly Unique User” means as a unique
user with at least one session in a given month as determined by a unique device identifier from GA4. A session begins when a user opens
an app in the foreground or views a page or screen while no other session is currently active (e.g., the prior session has ended). A session
concludes after 30 minutes of user inactivity. To measure Monthly Unique Users over a period longer than one month, we calculate the average
of the Monthly Unique Users for each month within that period. If an individual accesses a website or app from different devices within
a given month, each device is counted as a separate unique user. However, if an individual logs in and accesses a website or app using
the same login across different devices, they will only be counted as one unique user. This metric provides investors with insight into
our market penetration and the breadth of our audience. Management uses this data to refine our content and product discovery tools, with
the goal of increasing user loyalty and driving higher conversion rates from unique visitors into active product applicants.

 

“Traffic” means the total number of
unique sessions in GA4. A unique session is a group of user interactions recorded when a user accesses a website or app within a 30-minute
window. The current session concludes when there is 30 minutes of inactivity or users have a change in traffic source. Traffic is a key
indicator for investors of the overall engagement volume and frequency of use of our platforms. Management utilizes this metric to analyze
the efficiency of our acquisition funnel and to optimize our marketing spend toward high-ROI organic and paid channels that deliver users
with the highest intent to transact.

 

“MoneyHero Group Members” means (i)
users who have login IDs with us in Singapore, Hong Kong and Taiwan, (ii) users who subscribe to our email distributions in Singapore,
Hong Kong, Taiwan and the Philippines, and (iii) users who are registered in our rewards database in Singapore and Hong Kong. Any duplications
across the three sources above are deduplicated. This metric is useful to investors as it identifies our core base of registered users
who have established a direct relationship with our platforms. Management uses this data to evaluate the scale of our market reach and
to improve our AI-driven personalization. By understanding member behavior, we can provide more accurate financial recommendations, which
encourages repeat use of our services and increases the long-term value of each user relationship.

 

“Clicks” means the sum of unique clicks
by product item on a tagged “Apply Now”, “Express Buy”, “Buy” or similar button on our website, including
product result pages and blogs. We track Clicks to understand how our users engage with our platforms prior to application submission
or purchase, which enables us to further optimize conversion rates.

 

“Applications” means the total number
of product applications submitted by users and confirmed by our commercial partners. Management uses this metric to assess the conversion
efficiency of our platforms and the effectiveness of our marketing strategies in driving users toward the final stages of the transaction
funnel.

 

“Approved Applications” means the
number of applications that have been approved and confirmed by our commercial partners. Management utilizes this data to evaluate the
quality and success rate of applications facilitated through our platforms, which is critical to our success-based fee model and our ability
to align user demand with our commercial partners’ underwriting standards.

 

 7

  

 

 

“Approval Rates” means the total number
of Approved Applications divided by the total number of Applications during the respective periods presented. Management uses this metric
to track our overall conversion success ratio.

 

In addition to MoneyHero Group’s results
determined in accordance with IFRS, MoneyHero Group believes that the key performance metrics above and the non-IFRS measures below are
useful in evaluating its operating performance. MoneyHero Group uses these measures to evaluate ongoing operations and for internal planning
and forecasting purposes. MoneyHero Group believes that non-IFRS information may be helpful to investors because it provides consistency
and comparability with past financial performance and may assist in comparisons with other companies to the extent that such other companies
use similar non-IFRS measures to supplement their IFRS results. These non-IFRS measures are presented for supplemental informational purposes
only and should not be considered a substitute for financial information presented in accordance with IFRS and may be different from similarly
titled non-IFRS measures used by other companies. Accordingly, non-IFRS measures have limitations as analytical tools, and should not
be considered in isolation or as substitutes for analysis of other IFRS financial measures, such as profit/(loss) for the period and profit/(loss)
before income tax.

 

Adjusted EBITDA is a non-IFRS financial measure
defined as loss for the period plus income tax expense, depreciation and amortization, interest income, finance costs, changes in fair
value of financial instruments, impairment of other assets, equity-settled share-based payment expenses, unrealized foreign exchange loss/(gain)
and non-recurring legal and professional fees and other expenses. For further details on the components of these adjustments and why management
believes this non-IFRS measure provides useful supplemental information to investors, please see our Annual Report on Form 20-F for the
year ended December 31, 2025.

 

EBITDA is a non-IFRS financial measure defined
as loss for the period plus income tax expense, depreciation and amortization, interest income and finance costs.

 

A reconciliation is provided for each non-IFRS
measure to the most directly comparable financial measure stated in accordance with IFRS. Investors are encouraged to review the related
IFRS financial measures and the reconciliations of these non-IFRS measures to their most directly comparable IFRS financial measures.
IFRS differs from U.S. GAAP in certain material respects and thus may not be comparable to financial information presented by U.S. companies.
We currently, and will continue to, report financial results under IFRS, which differs in certain significant respects from U.S. GAAP.

 

 
   
 For the Three Months Ended March 31, 

 
 (US$ in thousands) 
 2026  
 2025 

 
   
 (unaudited) 

 
   
    
   

 
 Loss for the period 
  (6,744) 
  (2,449)

 
 Income tax expense 
  6  
  - 

 
 Depreciation and amortization 
  333  
  302 

 
 Interest income 
  (98) 
  (132)

 
 Finance costs 
  12  
  14 

 
 EBITDA 
  (6,491) 
  (2,265)

 
   
     
    

 
 Non-cash items: 
     
    

 
 Changes in fair value of financial instruments 
  1,104  
  (473)

 
 Impairment of other assets 
  4  
  - 

 
 Equity-settled share-based payment arising from employee share incentive scheme 
  327  
  441 

 
 Unrealized foreign exchange loss/(gain), net 
  2,396  
  (1,012)

 
   
     
    

 
 Other non-recurring items: 
     
    

 
 Non-recurring legal and professional fees and other expenses 
  1,596  
  - 

 
 Adjusted EBITDA 
  (1,064) 
  (3,309)

 

 

 8

  

 

 

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, including, but not limited to, statements as
to the Group’s growth strategies, future results of operations and financial position, market size, industry trends and growth opportunities,
are forward-looking statements. Some of these forward-looking statements can be identified by the use of forward-looking words, including
“outlook,” “believes,” “expects,” “potential,” “continues,” “may,”
“will,” “should,” “could,” “seeks,” “predicts,” “intends,” “trends,”
“plans,” “estimates,” “anticipates” or the negative version of these words or other comparable words.
All forward-looking statements are based upon estimates and forecasts and reflect the views, assumptions, expectations, and opinions of
the Company, which are all subject to change due to various factors including, without limitation, changes in general economic conditions.
Any such estimates, assumptions, expectations, forecasts, views or opinions, whether or not identified in this communication, should be
regarded as indicative, preliminary and for illustrative purposes only and should not be relied upon as being necessarily indicative of
future results. The forward-looking statements and financial forecasts and projections contained in this communication are subject to
a number of factors, risks and uncertainties. Potential risks and uncertainties that could cause the actual results to differ materially
from those expressed or implied by forward-looking statements include, but are not limited to, changes in business, market, financial,
political and legal conditions; the Company’s ability to attract new and retain existing customers in a cost effective manner; competitive
pressures in and any disruption to the industries in which the Company and its subsidiaries (the “Group”) operates; the Group’s
ability to achieve profitability despite a history of losses; and the Group’s ability to implement its growth strategies and manage
its growth; the Group’s ability to meet consumer expectations; the success of the Group’s new product or service offerings;
the Group’s ability to attract traffic to its websites; the Group’s internal controls; fluctuations in foreign currency exchange
rates; the Group’s ability to raise capital; media coverage of the Group; the Group’s ability to obtain adequate insurance
coverage; changes in the regulatory environments (such as anti-trust laws, foreign ownership restrictions and tax regimes) and general
economic conditions in the countries in which the Group operates; the Group’s ability to attract and retain management and skilled
employees; the impact of pandemics on the business of the Group; the success of the Group’s strategic investments and acquisitions,
changes in the Group’s relationship with its current customers, suppliers and service providers; disruptions to the Group’s
information technology systems and networks; the Group’s ability to grow and protect its brand and the Group’s reputation;
the Group’s ability to protect its intellectual property; changes in regulation and other contingencies; the Group’s ability
to achieve tax efficiencies of its corporate structure and intercompany arrangements; potential and future litigation that the Group may
be involved in; and unanticipated losses, write-downs or write-offs, restructuring and impairment or other charges, taxes or other liabilities
that may be incurred or required and technological advancements in the Group’s industry. The foregoing list of factors is not exhaustive.
You should carefully consider the foregoing factors and the other risks and uncertainties described in the “Risk Factors”
section of the Company’s annual report for the year ended December 31, 2025 on Form 20-F (File No.: 001-41838), registration statement
on Form F-1 (File No.: 333-275205), and other documents to be filed by the Company from time to time with the U.S. Securities and Exchange
Commission. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ
materially from those contained in the forward-looking statements. In addition, there may be additional risks that the Company currently
does not know, or that the Company currently believes are immaterial, that could also cause actual results to differ from those contained
in the forward-looking statements. Forward-looking statements reflect the Company’s expectations, plans, projections or forecasts
of future events and view. If any of the risks materialize or the Company’s assumptions prove incorrect, actual results could differ
materially from the results implied by these forward-looking statements. Forward-looking statements speak only as of the date they are
made. The Company anticipates that subsequent events and developments may cause their assessments to change. However, while the Company
may elect to update these forward-looking statements at some point in the future, the Company specifically disclaims any obligation to
do so, except as required by law. The inclusion of any statement in this document does not constitute an admission by the Company or any
other person that the events or circumstances described in such statement are material. These forward-looking statements should not be
relied upon as representing the Company’s assessments as of any date subsequent to the date of this document. Accordingly, undue
reliance should not be placed upon the forward-looking statements. In addition, the analyses of the Company contained herein are not,
and do not purport to be, appraisals of the securities, assets, or business of the Company.

 

For inquiries, please contact:

 

Investor Relations:

MoneyHero IR Team

[email protected]

 

Media Relations:

MoneyHero PR Team

[email protected]

 

 9

  

 

 

Consolidated
Statements of Loss and Other Comprehensive Loss or Income

 

 
   
 For the Three Months Ended March 31, 

 
 (US$ in thousands, except for loss per share) 
 2026  
 2025 

 
   
 (unaudited) 

 
   
    
   

 
 Revenue 
  16,517  
  14,314 

 
   
     
    

 
 Cost and expenses: 
     
    

 
 Cost of revenue 
  (7,866) 
  (6,364)

 
 Advertising and marketing expenses 
  (3,920) 
  (4,584)

 
 Technology costs 
  (539) 
  (816)

 
 Employee benefit expenses 
  (3,998) 
  (4,354)

 
 General, administrative and other operating expenses 
  (3,512) 
  (2,190)

 
 Foreign exchange differences, net 
  (2,404) 
  954 

 
   
     
    

 
 Operating loss 
  (5,722) 
  (3,040)

 
   
     
    

 
 Other income/(expenses): 
     
    

 
 Other income 
  101  
  131 

 
 Finance costs 
  (12) 
  (13)

 
 Changes in fair value of financial instruments 
  (1,104) 
  473 

 
   
     
    

 
 Loss before tax 
  (6,737) 
  (2,449)

 
 Income tax expense 
  (7) 
  - 

 
 Loss for the period 
  (6,744) 
  (2,449)

 
   
     
    

 
 Other comprehensive income/(loss) 
     
    

 
 Other comprehensive income/(loss) that may be classified to profit or loss in subsequent periods (net of tax): 
     
    

 
 Exchange differences on translation of foreign operations 
  1,864  
  (1,378)

 
   
     
    

 
 Other comprehensive income that will not be reclassified to profit or loss in subsequent periods (net of tax): 
     
    

 
 Remeasurement loss on defined benefit plan 
  (1) 
  - 

 
 Fair value loss on non-current financial asset 
  (71) 
  - 

 
 Other comprehensive income/(loss) for the period, net of tax 
  1,792  
  (1,378)

 
   
     
    

 
 Total comprehensive loss for the period, net of tax 
  (4,952) 
  (3,827)

 
   
     
    

 
 Loss per share attributable to ordinary equity holders of the parent 
     
    

 
 Basic and diluted 
  (0.2) 
  (0.1)

 

 

 10

  

 

 

Consolidated Statements of Financial Position

 

 
   
 As of 
March 31,  
 As of 
December 31, 

 
 (US$ in thousands) 
 2026  
 2025 

 
   
 (unaudited)  
 (audited) 

 
 NON-CURRENT ASSETS 
    
   

 
 Non-current financial asset 
  473  
  544 

 
 Intangible assets 
  665  
  626 

 
 Property and equipment 
  402  
  171 

 
 Right-of-use assets 
  732  
  935 

 
 Deposits 
  57  
  58 

 
 Total non-current assets 
  2,329  
  2,334 

 
   
     
    

 
 CURRENT ASSETS 
     
    

 
 Accounts receivable 
  15,992  
  18,745 

 
 Contract assets 
  19,059  
  17,898 

 
 Prepayments and other assets 
  5,983  
  6,255 

 
 Tax recoverable 
  43  
  43 

 
 Pledged bank deposits 
  183  
  185 

 
 Cash and cash equivalents 
  27,984  
  31,185 

 
 Total current assets 
  69,244  
  74,311 

 
   
     
    

 
 CURRENT LIABILITIES 
     
    

 
 Accounts and other payables 
  33,561  
  34,935 

 
 Warrant liabilities 
  2,234  
  1,130 

 
 Lease liabilities 
  566  
  702 

 
 Tax payable 
  2  
  2 

 
 Provisions 
  44  
  45 

 
 Total current liabilities 
  36,407  
  36,814 

 
   
     
    

 
 NET CURRENT ASSETS 
  32,837  
  37,497 

 
   
     
    

 
 TOTAL ASSETS LESS CURRENT LIABILITIES 
  35,166  
  39,831 

 
   
     
    

 
 NON-CURRENT LIABILITIES 
     
    

 
 Lease liabilities 
  190  
  240 

 
 Deferred tax liabilities 
  38  
  39 

 
 Defined benefit liabilities 
  151  
  141 

 
 Total non-current liabilities 
  379  
  420 

 
   
     
    

 
 Net assets 
  34,787  
  39,411 

 
   
     
    

 
 EQUITY 
     
    

 
 Issued capital 
  5  
  5 

 
 Reserves 
  34,782  
  39,406 

 
 Total equity 
  34,787  
  39,411 

 

 

 11