<p>Moneyhero Limited（（MNY））已召開其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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<p>Moneyhero Limited 最近的財報電話會議上，情緒謹慎樂觀。公司展示了在運營效率、成本降低和收入結構改善方面的顯著進展，這些都為盈利鋪平了道路。然而，會議也強調了在實現可觀的同比收入增長和某些地區市場復甦方面仍面臨的挑戰。</p>
<h2>連續收入增長</h2>
<p>第三季度對 Moneyhero Limited 來説是一個積極的季度，公司報告收入為 2110 萬美元。這一數字較上季度增長 17%，同比增長 1%，標誌着連續第二個季度實現了兩位數的連續收入增長。這一增長凸顯了公司在更廣泛市場挑戰下增強收入來源的努力。</p>
<h2>調整後 EBITDA 改善</h2>
<p>公司報告其調整後 EBITDA 顯著改善，虧損同比改善 68%，降至負 180 萬美元。此外，調整後 EBITDA 利潤率同比改善超過 1800 個基點，從負 26.5% 上升至負 8.4%。這突顯了 Moneyhero 提升財務健康的承諾。</p>
<h2>成本降低成功</h2>
<p>Moneyhero Limited 在降低運營成本方面取得了顯著進展，運營成本同比下降 13%，降至 2390 萬美元。成本降低的關鍵領域包括技術成本，從 200 萬美元降至 90 萬美元，以及員工福利支出，從 570 萬美元降至 420 萬美元。這些降低證明了公司有效的成本管理策略。</p>
<h2>項目奧德賽 AI 實施</h2>
<p>項目奧德賽是 Moneyhero 效率提升的重要驅動力。該項目專注於提升績效營銷、內容自動化和信用評分智能，導致客户獲取成本（CAC）效率和服務自動化的顯著改善。預計該舉措將繼續為公司的運營成功做出貢獻。</p>
<h2>收入結構改善</h2>
<p>公司的收入結構有所改善，保險和財富現在佔總收入的 23%。保險收入同比增長 13%，而財富收入同比增長 5%。這些領域為更高的利潤率做出了貢獻，並被視為 Moneyhero 的關鍵增長領域。</p>
<h2>對第四季度的積極展望</h2>
<p>展望未來，Moneyhero Limited 對第四季度持樂觀態度，預計將是自上市以來調整後 EBITDA 基礎上的第一個盈利季度。這一積極展望得益於強勁的合作伙伴預算和有利的收入結構，使公司有望實現持續增長。</p>
<h2>同比收入增長持平</h2>
<p>儘管連續增長積極，Moneyhero 的同比收入增長僅為 1%，這表明在超越之前水平方面面臨挑戰。這突顯了公司需要探索新的增長途徑，以實現更強勁的同比業績。</p>
<h2>香港收入下降</h2>
<p>財報電話會議透露，香港收入同比略有下降，原因是主動減少了低利潤的信用卡活動。這一戰略決策反映了公司專注於優化收入結構以提高盈利能力。</p>
<h2>市場復甦挑戰</h2>
<p>Moneyhero 在市場復甦方面面臨挑戰，特別是在台灣和菲律賓，因花旗銀行退出運營。這兩個市場尚未恢復到完全的運行水平，表明需要持續的復甦努力以重新獲得動力。</p>
<h2>前瞻性指導</h2>
<p>在財報電話會議上，Moneyhero Limited 對未來提供了樂觀的展望。公司強調了一項旨在提升盈利能力的戰略重置，支持其季度收入增長 17% 和調整後 EBITDA 虧損同比改善 68%。公司預計第四季度將是自上市以來調整後 EBITDA 基礎上的第一個盈利季度，得益於 AI 驅動的效率和對保險和財富等高利潤領域的戰略投資。</p>
<p>總之，Moneyhero Limited 的財報電話會議呈現出一個混合但充滿希望的局面。儘管公司在運營效率和成本管理方面取得了可喜的進展，但在實現可觀的同比收入增長和市場復甦方面仍面臨挑戰。對第四季度的積極展望和項目奧德賽等戰略舉措表明，Moneyhero 正在走向可持續增長和盈利的道路。</p>

<p>Moneyhero Limited 第三季度的財報電話會議強調了運營效率、成本降低和收入結構改善，為盈利鋪平了道路。公司報告收入為 2110 萬美元，環比增長 17%，調整後的 EBITDA 虧損同比改善了 68%。項目 Odyssey AI 的實施提升了績效營銷和服務自動化。儘管在同比收入增長和市場復甦方面面臨挑戰，Moneyhero 對第四季度的盈利持樂觀態度，認為強大的合作伙伴預算和對高利潤垂直領域的戰略投資將推動盈利</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））已召開其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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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 最近的財報電話會議上，情緒謹慎樂觀。公司展示了在運營效率、成本降低和收入結構改善方面的顯著進展，這些都為盈利鋪平了道路。然而，會議也強調了在實現可觀的同比收入增長和某些地區市場復甦方面仍面臨的挑戰。</p>
</div><h2>Sequential Revenue Growth</h2>
<div class="lb-trans"><h2>連續收入增長</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>第三季度對 Moneyhero Limited 來説是一個積極的季度，公司報告收入為 2110 萬美元。這一數字較上季度增長 17%，同比增長 1%，標誌着連續第二個季度實現了兩位數的連續收入增長。這一增長凸顯了公司在更廣泛市場挑戰下增強收入來源的努力。</p>
</div><h2>Improvement in Adjusted EBITDA</h2>
<div class="lb-trans"><h2>調整後 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>公司報告其調整後 EBITDA 顯著改善，虧損同比改善 68%，降至負 180 萬美元。此外，調整後 EBITDA 利潤率同比改善超過 1800 個基點，從負 26.5% 上升至負 8.4%。這突顯了 Moneyhero 提升財務健康的承諾。</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 在降低運營成本方面取得了顯著進展，運營成本同比下降 13%，降至 2390 萬美元。成本降低的關鍵領域包括技術成本，從 200 萬美元降至 90 萬美元，以及員工福利支出，從 570 萬美元降至 420 萬美元。這些降低證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>項目奧德賽 AI 實施</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>項目奧德賽是 Moneyhero 效率提升的重要驅動力。該項目專注於提升績效營銷、內容自動化和信用評分智能，導致客户獲取成本（CAC）效率和服務自動化的顯著改善。預計該舉措將繼續為公司的運營成功做出貢獻。</p>
</div><h2>Improved Revenue Mix</h2>
<div class="lb-trans"><h2>收入結構改善</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>公司的收入結構有所改善，保險和財富現在佔總收入的 23%。保險收入同比增長 13%，而財富收入同比增長 5%。這些領域為更高的利潤率做出了貢獻，並被視為 Moneyhero 的關鍵增長領域。</p>
</div><h2>Positive Outlook for Q4</h2>
<div class="lb-trans"><h2>對第四季度的積極展望</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>展望未來，Moneyhero Limited 對第四季度持樂觀態度，預計將是自上市以來調整後 EBITDA 基礎上的第一個盈利季度。這一積極展望得益於強勁的合作伙伴預算和有利的收入結構，使公司有望實現持續增長。</p>
</div><h2>Flat Year-over-Year Revenue Growth</h2>
<div class="lb-trans"><h2>同比收入增長持平</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>儘管連續增長積極，Moneyhero 的同比收入增長僅為 1%，這表明在超越之前水平方面面臨挑戰。這突顯了公司需要探索新的增長途徑，以實現更強勁的同比業績。</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>財報電話會議透露，香港收入同比略有下降，原因是主動減少了低利潤的信用卡活動。這一戰略決策反映了公司專注於優化收入結構以提高盈利能力。</p>
</div><h2>Market Recovery Challenges</h2>
<div class="lb-trans"><h2>市場復甦挑戰</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 在市場復甦方面面臨挑戰，特別是在台灣和菲律賓，因花旗銀行退出運營。這兩個市場尚未恢復到完全的運行水平，表明需要持續的復甦努力以重新獲得動力。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</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>在財報電話會議上，Moneyhero Limited 對未來提供了樂觀的展望。公司強調了一項旨在提升盈利能力的戰略重置，支持其季度收入增長 17% 和調整後 EBITDA 虧損同比改善 68%。公司預計第四季度將是自上市以來調整後 EBITDA 基礎上的第一個盈利季度，得益於 AI 驅動的效率和對保險和財富等高利潤領域的戰略投資。</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>總之，Moneyhero Limited 的財報電話會議呈現出一個混合但充滿希望的局面。儘管公司在運營效率和成本管理方面取得了可喜的進展，但在實現可觀的同比收入增長和市場復甦方面仍面臨挑戰。對第四季度的積極展望和項目奧德賽等戰略舉措表明，Moneyhero 正在走向可持續增長和盈利的道路。</p>
</div>

Moneyhero Limited 的財報電話會議：通往盈利的道路