MoneyHero Ltd

Listed Company

MNYCIK 0001974044NasdaqNon-AcceleratedEmerging GrowthServices-Business Services, NecE9KYFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$-5.18M

Total Assets

—

Equity

—

Shares Out

—

Op. Cash Flow

—

Business

MoneyHero Ltd is a personal finance aggregation and online comparison platform and a digital insurance brokerage serving consumers and financial providers in Greater Southeast Asia. It offers product comparison tools, educational content, internet lead generation and marketing services, insurance brokerage, rewards fulfilment, marketing and events, and a B2B self-service portal for content and channel partners. Its operations are organized across consumer brands (MoneyHero, SingSaver, Money101, Moneymax, Seedly) and a B2B Creatory division, and it holds regional insurance brokerage licenses. The company operates in Singapore, Hong Kong, Taiwan and the Philippines and distributes services through its websites, organic search, paid marketing and a network of content and channel partners.

Summary from filing dated 2025-05-06

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	Dec 31, 2025 2025-12-31	Dec 31, 2024 2024-12-31	Dec 31, 2023 2023-12-31
REVENUE	73	80	81
Cost and expenses:	—	—	—
Cost of revenue	37	46	44
Advertising and marketing expenses	17	22	16
Technology costs	3	7	10
Employee benefit expenses	16	24	25
General, administrative and other operating expenses	10	16	17
Foreign exchange differences, net	5	−5	656,605
Operating loss	−6	−40	−30
Other income/(expenses):	—	—	—
Other income	649,480	2	877,514
Share-based payment on listing	—	—	67
Finance costs	53,853	25,472	19
Changes in fair value of financial instruments	262,829	446,811	−57
LOSS BEFORE TAX	−5	−38	−173
Income tax expense	40,405	108,928	62,983
LOSS FOR THE YEAR	−5	−38	−173
Other comprehensive income/(loss) that may be reclassified to profit or loss in subsequent periods (net of tax):	—	—	—
Exchange differences on translation of foreign operations	−5	4	−820,391
Other comprehensive income/(loss) that will not be reclassified to profit or loss in subsequent periods (net of tax):	—	—	—
Remeasurement gains/(losses) on defined benefit plan	73,931	11,731	−29,965
Fair value loss on non-current financial asset	−56,000	—	—
OTHER COMPREHENSIVE INCOME/(LOSS) FOR THE YEAR, NET OF TAX	−5	4	−850,356
TOTAL COMPREHENSIVE LOSS FOR THE YEAR, NET OF TAX	−10	−34	−173
LOSS PER SHARE ATTRIBUTABLE TO ORDINARY EQUITY HOLDERS OF THE PARENT	—	—	—
Basic (in Dollars per share)	−0.12	−0.94	−17.92
Diluted (in Dollars per share)	−0.12	−0.94	−17.92

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	Dec 31, 2025 2025-12-31	Dec 31, 2024 2024-12-31
Statement of financial position [abstract]	—	—
NON-CURRENT ASSETS	—	—
Non-current financial asset	544,000	600,000
Intangible assets	625,859	1
Property and equipment	171,391	214,513
Right-of-use assets	934,434	743,807
Deposits	58,205	24,608
Total non-current assets	2	3
CURRENT ASSETS	—	—
Accounts receivable	19	14
Contract assets	18	12
Prepayments and other assets	6	10
Tax recoverable	42,820	63,052
Pledged bank deposits	185,146	185,336
Cash and cash equivalents	31	43
Total current assets	74	78
CURRENT LIABILITIES	—	—
Accounts and other payable	35	30
Warrant liabilities	1	1
Lease liabilities	702,287	441,878
Tax payable	1,962	32,069
Provisions	44,502	71,274
Total current liabilities	37	32
NET CURRENT ASSETS	37	46
TOTAL ASSETS LESS CURRENT LIABILITIES	40	49
NON-CURRENT LIABILITIES	—	—
Lease liabilities	239,677	293,672
Deferred tax liabilities	39,313	29,857
Provisions	141,489	185,274
Total non-current liabilities	420,479	508,803
NET ASSETS	39	48
EQUITY	—	—
Issued capital	4,588	4,363
Reserves	39	48
TOTAL EQUITY	39	48

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	Dec 31, 2025 2025-12-31	Dec 31, 2024 2024-12-31	Dec 31, 2023 2023-12-31
CASH FLOWS FROM OPERATING ACTIVITIES	—	—	—
Loss before tax	−5	−38	−173
Adjustments for:	—	—	—
Finance costs	53,853	25,472	19
Interest income	581,768	1	872,503
Gain on disposal of items of property and equipment, net	1,438	7,068	3,690
Depreciation of property and equipment	165,847	309,033	218,471
Depreciation of right-of-use assets	743,146	712,003	743,956
Amortization of intangible assets	103,513	3	6
Written off /impairment of intangible assets	1	5	3
Equity-settled share-based payment expense	1	3	7
Other equity-settled transactions	—	—	500,000
Share-based payment on listing	—	—	67
Gain on disposal of assets in Malaysian operations	—	−600,000	—
Changes in fair value of financial instruments, net	262,829	446,811	−57
Other long-term employee benefits expense	—	—	109,702
Net benefit expenses recognised in defined benefit obligations	62,602	79,131	56,672
Unrealized foreign exchange difference, net	−5	4	−895,392
Impairment of other assets	316,113	—	—
Provision for expected credit loss, net of reversal	26,324	112,122	2,199
Total adjustments	−7	−24	−13
(Increase)/decrease in accounts receivable	−5	3	−7
Decrease/(increase) in prepayments and other assets	4	−6	−1
(Increase)/decrease in contract assets	−6	4	−5
Increase/(decrease) in accounts and other payable	4	−2	10
Payment for reinstatement of terminated lease	—	—	33,977
Cash used in operations	−10	−25	−17
Interest paid	53,629	23,700	48,363
Income tax (paid)/refunded	22,418	−49,149	22,338
Retirement benefits paid under defined benefit obligation	−17,726	−74,016	—
Net cash flows used in operating activities	−10	−25	−17
CASH FLOWS FROM INVESTING ACTIVITIES	—	—	—
Interest received	574,844	1	859,454
Purchases of items of property and equipment	122,643	337,508	117,337
Proceeds from disposal of items of property and equipment	5,109	7,068	6,104
Placement of rental deposits	51,861	—	—
Additions to intangible assets	663,955	1	2
Placement of pledged bank deposits	−190	−3,409	−7,138
Net cash flows used in investing activities	−258,316	−256,823	−1
CASH FLOWS FROM FINANCING ACTIVITIES	—	—	—
Proceeds from loan notes	—	—	5
Proceeds from Capital Reorganization, net	—	—	92
Settlement of loan notes	—	—	33
Principal portion of lease payments	724,633	721,892	730,908
Proceeds received from the exercise of share options	34	159	—
Net cash flows (used in)/from financing activities	−724,599	−721,733	63
NET (DECREASE)/INCREASEIN CASH AND CASH EQUIVALENTS	−11	−26	45
CASH AND CASH EQUIVALENTS AT END OF YEAR	—	—	—
Effect of foreign exchange rate changes, net	−104,629	−252,752	−113,441
CASH AND CASH EQUIVALENTS AT END OF YEAR	—	—	—

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