<p>Moneyhero Limited（（MNY））已召开其第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
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<p>Moneyhero Limited 最近的财报电话会议上，情绪谨慎乐观。公司展示了在运营效率、成本降低和收入结构改善方面的显著进展，这些都为盈利铺平了道路。然而，会议也强调了在实现可观的同比收入增长和某些地区市场复苏方面仍面临的挑战。</p>
<h2>连续收入增长</h2>
<p>第三季度对 Moneyhero Limited 来说是一个积极的季度，公司报告收入为 2110 万美元。这一数字较上季度增长 17%，同比增长 1%，标志着连续第二个季度实现了两位数的连续收入增长。这一增长凸显了公司在更广泛市场挑战下增强收入来源的努力。</p>
<h2>调整后 EBITDA 改善</h2>
<p>公司报告其调整后 EBITDA 显著改善，亏损同比改善 68%，降至负 180 万美元。此外，调整后 EBITDA 利润率同比改善超过 1800 个基点，从负 26.5% 上升至负 8.4%。这突显了 Moneyhero 提升财务健康的承诺。</p>
<h2>成本降低成功</h2>
<p>Moneyhero Limited 在降低运营成本方面取得了显著进展，运营成本同比下降 13%，降至 2390 万美元。成本降低的关键领域包括技术成本，从 200 万美元降至 90 万美元，以及员工福利支出，从 570 万美元降至 420 万美元。这些降低证明了公司有效的成本管理策略。</p>
<h2>项目奥德赛 AI 实施</h2>
<p>项目奥德赛是 Moneyhero 效率提升的重要驱动力。该项目专注于提升绩效营销、内容自动化和信用评分智能，导致客户获取成本（CAC）效率和服务自动化的显著改善。预计该举措将继续为公司的运营成功做出贡献。</p>
<h2>收入结构改善</h2>
<p>公司的收入结构有所改善，保险和财富现在占总收入的 23%。保险收入同比增长 13%，而财富收入同比增长 5%。这些领域为更高的利润率做出了贡献，并被视为 Moneyhero 的关键增长领域。</p>
<h2>对第四季度的积极展望</h2>
<p>展望未来，Moneyhero Limited 对第四季度持乐观态度，预计将是自上市以来调整后 EBITDA 基础上的第一个盈利季度。这一积极展望得益于强劲的合作伙伴预算和有利的收入结构，使公司有望实现持续增长。</p>
<h2>同比收入增长持平</h2>
<p>尽管连续增长积极，Moneyhero 的同比收入增长仅为 1%，这表明在超越之前水平方面面临挑战。这突显了公司需要探索新的增长途径，以实现更强劲的同比业绩。</p>
<h2>香港收入下降</h2>
<p>财报电话会议透露，香港收入同比略有下降，原因是主动减少了低利润的信用卡活动。这一战略决策反映了公司专注于优化收入结构以提高盈利能力。</p>
<h2>市场复苏挑战</h2>
<p>Moneyhero 在市场复苏方面面临挑战，特别是在台湾和菲律宾，因花旗银行退出运营。这两个市场尚未恢复到完全的运行水平，表明需要持续的复苏努力以重新获得动力。</p>
<h2>前瞻性指导</h2>
<p>在财报电话会议上，Moneyhero Limited 对未来提供了乐观的展望。公司强调了一项旨在提升盈利能力的战略重置，支持其季度收入增长 17% 和调整后 EBITDA 亏损同比改善 68%。公司预计第四季度将是自上市以来调整后 EBITDA 基础上的第一个盈利季度，得益于 AI 驱动的效率和对保险和财富等高利润领域的战略投资。</p>
<p>总之，Moneyhero Limited 的财报电话会议呈现出一个混合但充满希望的局面。尽管公司在运营效率和成本管理方面取得了可喜的进展，但在实现可观的同比收入增长和市场复苏方面仍面临挑战。对第四季度的积极展望和项目奥德赛等战略举措表明，Moneyhero 正在走向可持续增长和盈利的道路。</p>

<p>Moneyhero Limited 第三季度的财报电话会议强调了运营效率、成本降低和收入结构改善，为盈利铺平了道路。公司报告收入为 2110 万美元，环比增长 17%，调整后的 EBITDA 亏损同比改善了 68%。项目 Odyssey AI 的实施提升了绩效营销和服务自动化。尽管在同比收入增长和市场复苏方面面临挑战，Moneyhero 对第四季度的盈利持乐观态度，认为强大的合作伙伴预算和对高利润垂直领域的战略投资将推动盈利</p>

<p>Moneyhero Limited ((MNY)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Moneyhero Limited（（MNY））已召开其第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
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<li>订阅 TipRanks 的智能投资者精选，通过我们高表现的模型投资组合查看我们的数据 - 现在也享受 60% 的折扣。</li>
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</div><p>The recent earnings call for Moneyhero Limited was marked by a cautiously optimistic sentiment. The company showcased significant strides in operational efficiency, cost reductions, and improvements in its revenue mix, which are paving the way towards profitability. However, the call also highlighted ongoing challenges in achieving substantial year-over-year revenue growth and market recovery in certain regions.</p>
<div class="lb-trans"><p>Moneyhero Limited 最近的财报电话会议上，情绪谨慎乐观。公司展示了在运营效率、成本降低和收入结构改善方面的显著进展，这些都为盈利铺平了道路。然而，会议也强调了在实现可观的同比收入增长和某些地区市场复苏方面仍面临的挑战。</p>
</div><h2>Sequential Revenue Growth</h2>
<div class="lb-trans"><h2>连续收入增长</h2>
</div><p>Q3 was a positive quarter for Moneyhero Limited, with the company reporting $21.1 million in revenue. This figure represents a 17% increase quarter-on-quarter and a 1% increase year-on-year, marking the second consecutive quarter of double-digit sequential revenue growth. This growth underscores the company’s efforts to enhance its revenue streams despite broader market challenges.</p>
<div class="lb-trans"><p>第三季度对 Moneyhero Limited 来说是一个积极的季度，公司报告收入为 2110 万美元。这一数字较上季度增长 17%，同比增长 1%，标志着连续第二个季度实现了两位数的连续收入增长。这一增长凸显了公司在更广泛市场挑战下增强收入来源的努力。</p>
</div><h2>Improvement in Adjusted EBITDA</h2>
<div class="lb-trans"><h2>调整后 EBITDA 改善</h2>
</div><p>The company reported a significant improvement in its adjusted EBITDA, with losses improving by 68% year-on-year to a negative $1.8 million. Additionally, the adjusted EBITDA margin saw a remarkable improvement of over 1,800 basis points year-on-year, moving from minus 26.5% to minus 8.4%. This highlights Moneyhero’s commitment to enhancing its financial health.</p>
<div class="lb-trans"><p>公司报告其调整后 EBITDA 显著改善，亏损同比改善 68%，降至负 180 万美元。此外，调整后 EBITDA 利润率同比改善超过 1800 个基点，从负 26.5% 上升至负 8.4%。这突显了 Moneyhero 提升财务健康的承诺。</p>
</div><h2>Cost Reduction Success</h2>
<div class="lb-trans"><h2>成本降低成功</h2>
</div><p>Moneyhero Limited has made notable progress in reducing its operating costs, which fell by 13% year-on-year to $23.9 million. Key areas of cost reduction included technology costs, which decreased from $2 million to $0.9 million, and employee benefit expenses, which dropped from $5.7 million to $4.2 million. These reductions are a testament to the company’s effective cost management strategies.</p>
<div class="lb-trans"><p>Moneyhero Limited 在降低运营成本方面取得了显著进展，运营成本同比下降 13%，降至 2390 万美元。成本降低的关键领域包括技术成本，从 200 万美元降至 90 万美元，以及员工福利支出，从 570 万美元降至 420 万美元。这些降低证明了公司有效的成本管理策略。</p>
</div><h2>Project Odyssey AI Implementation</h2>
<div class="lb-trans"><h2>项目奥德赛 AI 实施</h2>
</div><p>Project Odyssey has been a significant driver of efficiency for Moneyhero. The project focuses on enhancing performance marketing, content automation, and credit scoring intelligence, leading to significant improvements in customer acquisition cost (CAC) efficiency and service automation. This initiative is expected to continue contributing to the company’s operational success.</p>
<div class="lb-trans"><p>项目奥德赛是 Moneyhero 效率提升的重要驱动力。该项目专注于提升绩效营销、内容自动化和信用评分智能，导致客户获取成本（CAC）效率和服务自动化的显著改善。预计该举措将继续为公司的运营成功做出贡献。</p>
</div><h2>Improved Revenue Mix</h2>
<div class="lb-trans"><h2>收入结构改善</h2>
</div><p>The company’s revenue mix has improved, with insurance and wealth now accounting for 23% of total revenue. Insurance revenue increased by 13% year-on-year, while wealth revenue grew by 5% year-on-year. These segments are contributing to higher margins and are seen as key growth areas for Moneyhero.</p>
<div class="lb-trans"><p>公司的收入结构有所改善，保险和财富现在占总收入的 23%。保险收入同比增长 13%，而财富收入同比增长 5%。这些领域为更高的利润率做出了贡献，并被视为 Moneyhero 的关键增长领域。</p>
</div><h2>Positive Outlook for Q4</h2>
<div class="lb-trans"><h2>对第四季度的积极展望</h2>
</div><p>Looking ahead, Moneyhero Limited is optimistic about Q4, which is expected to be the first profitable quarter on an adjusted EBITDA basis since listing. This positive outlook is driven by strong partner budgets and a favorable revenue mix, positioning the company for sustained growth.</p>
<div class="lb-trans"><p>展望未来，Moneyhero Limited 对第四季度持乐观态度，预计将是自上市以来调整后 EBITDA 基础上的第一个盈利季度。这一积极展望得益于强劲的合作伙伴预算和有利的收入结构，使公司有望实现持续增长。</p>
</div><h2>Flat Year-over-Year Revenue Growth</h2>
<div class="lb-trans"><h2>同比收入增长持平</h2>
</div><p>Despite the positive sequential growth, Moneyhero’s year-over-year revenue growth was only 1%, indicating challenges in expanding beyond previous levels. This highlights the need for the company to explore new avenues for growth to achieve more robust year-over-year results.</p>
<div class="lb-trans"><p>尽管连续增长积极，Moneyhero 的同比收入增长仅为 1%，这表明在超越之前水平方面面临挑战。这突显了公司需要探索新的增长途径，以实现更强劲的同比业绩。</p>
</div><h2>Hong Kong Revenue Decline</h2>
<div class="lb-trans"><h2>香港收入下降</h2>
</div><p>The earnings call revealed a slight decline in Hong Kong revenue year-on-year, attributed to the proactive reduction of low-margin credit card campaigns. This strategic decision reflects the company’s focus on optimizing its revenue mix for better profitability.</p>
<div class="lb-trans"><p>财报电话会议透露，香港收入同比略有下降，原因是主动减少了低利润的信用卡活动。这一战略决策反映了公司专注于优化收入结构以提高盈利能力。</p>
</div><h2>Market Recovery Challenges</h2>
<div class="lb-trans"><h2>市场复苏挑战</h2>
</div><p>Moneyhero is facing challenges in market recovery, particularly in Taiwan and the Philippines, following the exit of Citibank’s operations. Neither market has returned to full run rate yet, indicating ongoing recovery efforts are needed to regain momentum.</p>
<div class="lb-trans"><p>Moneyhero 在市场复苏方面面临挑战，特别是在台湾和菲律宾，因花旗银行退出运营。这两个市场尚未恢复到完全的运行水平，表明需要持续的复苏努力以重新获得动力。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>During the earnings call, Moneyhero Limited provided an optimistic outlook for the future. The company emphasized a strategic reset aimed at enhancing profitability, supported by a 17% quarter-on-quarter revenue growth and a 68% improvement in adjusted EBITDA loss year-on-year. The company anticipates Q4 to be its first profitable quarter on an adjusted EBITDA basis since listing, driven by AI-driven efficiencies and strategic investments in high-margin verticals like insurance and wealth.</p>
<div class="lb-trans"><p>在财报电话会议上，Moneyhero Limited 对未来提供了乐观的展望。公司强调了一项旨在提升盈利能力的战略重置，支持其季度收入增长 17% 和调整后 EBITDA 亏损同比改善 68%。公司预计第四季度将是自上市以来调整后 EBITDA 基础上的第一个盈利季度，得益于 AI 驱动的效率和对保险和财富等高利润领域的战略投资。</p>
</div><p>In summary, Moneyhero Limited’s earnings call presented a mixed yet promising picture. While the company has made commendable progress in operational efficiency and cost management, challenges remain in achieving substantial year-over-year revenue growth and market recovery. The positive outlook for Q4 and strategic initiatives like Project Odyssey suggest that Moneyhero is on a path to sustainable growth and profitability.</p>
<div class="lb-trans"><p>总之，Moneyhero Limited 的财报电话会议呈现出一个混合但充满希望的局面。尽管公司在运营效率和成本管理方面取得了可喜的进展，但在实现可观的同比收入增长和市场复苏方面仍面临挑战。对第四季度的积极展望和项目奥德赛等战略举措表明，Moneyhero 正在走向可持续增长和盈利的道路。</p>
</div>

Moneyhero Limited 的财报电话会议：通往盈利的道路