MoneyHero Expands Digital Asset Offerings Through Collaboration with HashKey
- Product Expansion: MoneyHero's collaboration with HashKey expands its digital asset wealth offerings in Hong Kong, enhancing its partnership network with SFC-licensed institutions, thereby enabling consumers to access a broader range of compliant financial products.
- Market Positioning: This partnership aligns with Hong Kong's status as a leading digital asset market in Asia, leveraging the HKSAR government's policy guidance to enhance consumer financial decision-making through diverse product offerings.
- User Growth: As of June 30, 2025, MoneyHero's platform boasted approximately 5.3 million monthly unique users, indicating strong appeal in the personal finance sector, with this collaboration expected to further drive user growth and engagement.
- Strategic Vision: MoneyHero's Chief Commercial Officer stated that this partnership not only strengthens its digital asset product line but also aligns with the company's strategic goal of building a comprehensive personal finance ecosystem that connects traditional banking and insurance with next-generation digital finance solutions.
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Quarterly Performance: MoneyHero Limited reported a quarterly loss of $0.1 per share, significantly worse than the expected loss of $0.02, marking a -400.00% earnings surprise. The company also posted revenues of $21.12 million, slightly exceeding estimates.
Stock Outlook: Despite a 42.9% increase in shares since the beginning of the year, MoneyHero Limited holds a Zacks Rank #4 (Sell), indicating expected underperformance in the near future due to unfavorable earnings estimate revisions.
Industry Context: The Financial - Miscellaneous Services industry, to which MoneyHero belongs, is currently ranked in the top 26% of Zacks industries, suggesting potential for better performance compared to lower-ranked sectors.
Future Earnings Estimates: The consensus EPS estimate for the upcoming quarter is -$0.01 on revenues of $21.82 million, with a broader fiscal year estimate of -$0.08 on $74.98 million in revenues, indicating cautious expectations moving forward.

- Revenue Growth Momentum: MoneyHero's Q3 revenue reached $21.1 million, reflecting a 17% sequential increase and 1% year-over-year growth, marking the second consecutive quarter of double-digit growth, which underscores the company's focus on high-quality business in specific markets and verticals.
- Adjusted EBITDA Improvement: The adjusted EBITDA loss narrowed to $1.8 million, improving by 68% year-over-year, with the EBITDA margin enhancing from -26.5% to -8.4%, indicating significant progress in revenue mix optimization and operational efficiency gains.
- Effective Cost Management: Total operating costs and expenses decreased by 13% year-over-year to $23.9 million, driven by disciplined management of advertising, technology, and employee expenses, demonstrating substantial achievements in reshaping the cost structure.
- AI Transformation Driving Growth: Through Project Odyssey, MoneyHero is embedding smart automation and conversational AI into core customer journeys, which is expected to further enhance customer acquisition efficiency and service quality, thereby strengthening its market leadership.

- Revenue Growth Momentum: MoneyHero's Q3 revenue reached $21.1 million, reflecting a 17% sequential increase and 1% year-over-year growth, marking the second consecutive quarter of double-digit growth, which underscores the company's focus on high-quality revenue in specific markets and verticals.
- Adjusted EBITDA Improvement: The adjusted EBITDA loss narrowed to $1.8 million, a 68% year-over-year reduction, with the adjusted EBITDA margin improving from -26.5% to -8.4%, indicating significant progress in revenue mix optimization and operational efficiency gains.
- Cost Control Effectiveness: Total operating costs and expenses decreased by 13% year-over-year to $23.9 million, driven by disciplined management of advertising, technology, and employee expenses, demonstrating substantial achievements in reshaping the cost structure.
- AI Transformation Driving Growth: Through Project Odyssey, MoneyHero is embedding smart automation and conversational AI into core customer journeys, which is expected to further enhance customer acquisition efficiency and service quality, thereby strengthening its competitive position in the market.

Market Sentiment: The CNN Money Fear and Greed index showed a slight increase in fear, with a current reading of 38.9, indicating the market remains in the "Fear" zone.
Stock Performance: U.S. stocks had a mixed day, with the Nasdaq Composite gaining about 50 points, while the Dow Jones fell by around 32 points. Dollar General Corp. saw a significant rise of 14% after strong earnings, while Kroger Co. experienced a 5% decline due to mixed results.
Economic Indicators: Initial jobless claims in the U.S. decreased by 27,000 to 191,000, while job cuts rose to 71,321 in November. Additionally, new orders for manufactured goods increased by 0.2% month-over-month in September.
Investor Outlook: Traders anticipate a third consecutive 25-basis-point rate cut from the Federal Reserve, with a nearly 90% probability assigned to this outcome, as investors await earnings results from companies like Victoria’s Secret & Co. and MoneyHero Ltd.

Victoria's Secret Earnings: The company is expected to report a quarterly loss of 59 cents per share on revenue of $1.41 billion, with shares rising 2.2% to $42.50 in after-hours trading.
Hewlett Packard Enterprise Results: HPE reported mixed fourth-quarter results with a revenue increase of 14% year-over-year but issued weak first-quarter guidance, leading to a 9.3% drop in shares to $20.77.
Cooper Companies Performance: Cooper Companies exceeded expectations in its fourth-quarter results and provided FY26 guidance above estimates, resulting in a 13% increase in shares to $87.01.
Zumiez Strong Quarter: Zumiez reported better-than-expected third-quarter earnings of 55 cents per share and a strong fourth-quarter outlook, causing shares to climb 14.1% to $31.10.
Earnings Performance: Bank of Montreal (BMO) reported quarterly earnings of $2.36 per share, exceeding expectations and showing significant growth from $1.39 per share a year ago, with a revenue of $6.73 billion also surpassing estimates.
Stock Outlook: Despite outperforming the market with a 30.6% increase this year, BMO currently holds a Zacks Rank #4 (Sell), indicating potential underperformance in the near future due to unfavorable earnings estimate revisions.
Industry Context: The Banks - Foreign industry, to which BMO belongs, is performing well, ranking in the top 30% of Zacks industries, which could influence BMO's stock performance moving forward.
Future Earnings Estimates: Investors are advised to monitor upcoming earnings estimates, with current expectations of $2.36 EPS and $6.63 billion in revenues for the next quarter, as these revisions can significantly impact stock movements.






