第二季收入按年升24%至2,070萬美元
新加坡 -
Media OutReach Newswire - 2024年9月20日 - 領先大東南亞市場的個人理財及數碼保險比較平台
MoneyHero Limited (Nasdaq:
MNY) (下稱 「MoneyHero」或「公司」) 公布截至 2024 年 6月30日的第二季業績。
管理層評論：行政總裁Rohith Murthy先生表示：「我很高興公布集團在今個季度再次取得強勁業績，收入按年增長24%，達到2,070萬美元，進一步奠定MoneyHero作為區內最大的個人理財及數碼保險比較平台的領導地份。我們持續擴大市場份額，其中新加坡的收入在信用卡和保險業務強勁的表現帶動下，大升68%。在2024 年上半年，我們收到970,000 萬宗銀行和保險產品申請，印證公司在業內具有領導地位，並反映行業仍有龐大的持續增長空間。 我們專注於提升營運效率的策略重點收獲成效，預期下季度的經調整後EBITDA虧損將會收窄，同時預期在簡化營運、優化市場行銷支出，和提升整體效率的明確行動帶動下，在2024年第四季可實現經調整後 EBITDA 利潤。我們採取有節度的方法包括減少員工人數、實行以人工智能驅動流程，協助公司大幅提升營運槓桿。 我們的重心由推動網站流量增長，轉為推動頁面轉換率和產品申請次數。相關策略轉變使經批核申請次數增加 50%，表示我們有能力將具價值的網站流量轉化成可量化的業務成果，優化增長。 同時，公司推出多項新功能，包括經重新設計的手機應用程式、全新的汽車保險業務、和優化的平台UX/UI界面。相關措拖預期可加強顧客參與，同時帶動高利潤的收入來源。此外，我們有 650 萬位會員，讓我們可以進行交叉銷售和追加銷售，從現有客戶群中釋放更大的價值。 我們的資本狀況仍然強勁，使我們能夠進行策略性投資並發掘併購機會，進一步鞏固我們的市場領導地位。近期，公司宣布不再在馬來西亞市場擔當營運商並轉為投資者，此決定反映我們專注投入高增長市場的和建立高價值夥伴合作關係的承諾。 我們將聚焦改善經調整後 EBITDA，專注提升效率並將焦點轉投在高利潤的收入來源，包括私人借貸、保險、以及廣告收入等關鍵業務來推動集團獲利。儘管部分市場仍然面臨挑戰，我們已採取糾正措施，並預期恢復強勁增長。我們預期在2024年第四季可錄得正數經調整後 EBITDA，為股東締造可持續和長遠價值。」
首席財務總監錢灝先生補充：「在 2024 年第二季度，MoneyHero 的策略性擴展計劃成功帶動經批核申請次數穩健增長，並推動收入按年上升24%至2,070萬美元。我們的市場份額錄得強勁增長，尤其是在核心市場，並繼續擴大在大東南亞的市場份額。然而，由於在客戶獲取、品牌建立、平台科技重整及數據基建等方面的投資，令第二季錄得(1,220)萬美元虧損和經調整後EBITDA 虧損達到(930) 萬美元。在第二季，我們繼續推行增長策略，旨在加快主要業務發展和擴大市場份額。經調整後EBITDA虧損增加的主要原因是：
- 策略投資：我們透過增加在品牌建立、客戶獲取、數據和科技上的投資，藉此獲取新客戶和建立基建，為未來盈利能力奠定根基。
- 供應商限制：在第二季，多家供應商由於重大平台遷移而暫停在台灣和菲律賓的新客戶獲取活動，因此影響公司的短期財務表現。我們預計隨著遷移工作完成，客戶獲取量將於第三季重回正軌。與此同時，由於一家主要供應商退出多個重點市場，對我們的收入和盈利能力大有影響。為了緩解收入虧損的壓力，我們已投資在其他供應商的產品，並擴展其他業務。我們預計相關供應商退出市場造成的收入及盈利能力影響，可望於第三季及第四季有所改善。
- 營運成本上升：整體營運成本按年上升，主要是作為上市公司的額外成本，包括審計費、董事及高級管理人員責任保險、投資者關係/公共關係相關費用。
展望未來，我們預計2024年下半年的經調整後 EBITDA 虧損將會收窄，獲利率將於第三季恢復，並於年內持續改善。我們已就公司組織架構展開全面檢討，並於最近公布精簡人手措施，預期將於第三季度結束前完成，此舉將令公司業務營運更加精簡，更能發揮成本效益。隨著我們將焦點轉投提高營運效率，以及優化為推動業務增長而作出的投資回報，我們預計於年底前，集團將有經調整後的EBITDA利潤。」
2024 年第二季財務摘要- 2024 年第二季收入按年增長 24%至 2,070萬美元
- 網上理財比較平台的收入按年增長 26% 至 1,780萬美元
- B2B 業務平台 Creatory 的收入按年增長 13%，佔集團在 2024 年第二季收入的 14%。 去年同期為 16%
- 按市場劃分的收入:
- 新加坡在第二季的收入按年上升 68% 至 900萬美元，其中信用卡和保險的業務增長最為明顯
- 香港在第二季的收入按年升 19%至730 萬美元，其中以來自其他銀行業務的增長最為明顯
- 菲律賓在第二季的收入按年跌 16% 至 290 萬美元，大部分是受到主要客戶在完成收購後的系統和數據庫遷移而令數量減少所影響
- 台灣在第二季的收入按年下跌 4% 至 140萬美元，其中受到主要客戶暫停提供產品所影響
- 保險產品收入在第二季按年上升89%至220萬美元，佔集團收入的11% ，去年同期為7%
- 總營運成本和費用由去年同期的2,550 萬美元增至 2024 年第二季的 3,440 萬美元，主要由於公司增加市場行銷和客戶獲取成本所致，並屬於公司擴展市場份額和提升品牌認名度策略的一部分
- 2024 年第二季的虧損從去年同期的 (6,860 萬美元) 降至 (1,220 萬美元)
- 經調整後的EBITDA 虧損由去年同期的 (60萬美元) 增至2024年第二季的 (930萬美元)
- 截至2024年6月30日，公司無負債，持有現金及現金等價物為 5,650 萬美元
2024年第二季的營運摘要- 2024年第二季的每月獨立用戶按年跌17% 至770 萬
- 截至2024年6月30日，MoneyHero Group 會員按年上升 53% 達到 650萬人，並受各個市場的會員增長所帶動
- 2024年第二季的經批准的申請數量按年上升50% 至 211,000，主要由信用卡和保險產品的強勁增長所帶動
業務展望- 在2024年第三季度，公司預計經調整後EBITDA虧損將收窄至(500-600)萬美元。相關預期反映了公司就現時市場和營運狀況的初步判斷，並會應因實際情況而作生改變。
資本結構 截至2024年6月30日，公司資本結構如下表：
| 股份類別 | 已發行及未償還 |
| A類普通股 | 28,227,579[1] |
| B類普通股 | 13,254,838 |
| 優先股 | 2,407,575 |
| 已發行股份總數 | 43,889,992 |
| 員工股權 | 1,020,697[2] |
| 已發行A類普通股的員工股權 | (521,630)[3] |
| 已發行及可發行股份總數[4] | 44,389,059 |
| 主要財務數據 / 關鍵績效指標表現 | 截至6月30日止三個月, | 截至6月30日止六個月, |
| 2024 | 2023 | 2024 | 2023 |
| (千美元，除註明外) |
| 收入 | 20,674 | 16,650 | 42,849 | 34,553 |
| 經調整後 EBITDA | (9,336) | (593) | (15,775) | (892) |
| 點擊次數 (千次) | 2,274 | 1,993 | 4,568 | 3,877 |
| 申請次數 (千次) | 476 | 409 | 970 | 784 |
| 經批准申請次數 (千次) | 211 | 140 | 416 | 260 |
| 收入細分 | 截至6月30日止三個月, | 截至6月30日止六個月, |
| 2024 | 2023 | 2024 | 2023 |
| US$ | % | US$ | % | US$ | % | US$ | % |
| (千美元，除百分比外) |
| 按地區市場: |
| 新加坡 | 9,018 | 43.6 | 5,380 | 32.3 | 17,963 | 41.9 | 10,939 | 31.7 |
| 香港 | 7,266 | 35.1 | 6,095 | 36.6 | 14,982 | 35.0 | 11,736 | 34.0 |
| 台灣 | 1,424 | 6.9 | 1,481 | 8.9 | 2,826 | 6.6 | 3,805 | 11.0 |
| 菲律賓 | 2,938 | 14.2 | 3,496 | 21.0 | 6,917 | 16.1 | 7,627 | 22.1 |
| 馬來西亞 | 28 | 0.1 | 197 | 1.2 | 161 | 0.4 | 445 | 1.3 |
| 總收入 | 20,674 | 100.0 | 16,650 | 100.0 | 42,849 | 100.0 | 34,553 | 100.0 |
| 按來源: |
| 網上理財比較平台 | 17,760 | 85.9 | 14,077 | 84.5 | 35,818 | 83.6 | 28,911 | 83.7 |
| Creatory | 2,914 | 14.1 | 2,574 | 15.5 | 7,030 | 16.4 | 5,642 | 16.3 |
| 總收入 | 20,674 | 100.0 | 16,650 | 100.0 | 42,849 | 100.0 | 34,553 | 100.0 |
| 按業務: |
| 信用卡 | 12,734 | 61.6 | 11,945 | 71.7 | 28,159 | 65.7 | 25,023 | 72.4 |
| 私人借貸及按揭 | 2,577 | 12.5 | 2,154 | 12.9 | 5,874 | 13.7 | 4,491 | 13.0 |
| 保險 | 2,178 | 10.5 | 1,154 | 6.9 | 4,005 | 9.3 | 2,421 | 7.0 |
| 其他業務 | 3,185 | 15.4 | 1,396 | 8.4 | 4,810 | 11.2 | 2,618 | 7.6 |
| 總收入 | 20,674 | 100.0 | 16,650 | 100.0 | 42,849 | 100.0 | 34,553 | 100.0 |
| 截至6月30日止三個月, | 截至6月30日止六個月, |
| 2024 | 2023 | 2024 | 2023 |
| (百萬, 除百分比外) |
| 每月獨立用戶 |
| 新加坡 | 1.3 | 16.9% | 1.7 | 18.6% | 1.4 | 17.1% | 1.8 | 19.3% |
| 香港 | 1.1 | 14.4% | 1.5 | 15.6% | 1.1 | 13.9% | 1.5 | 16.6% |
| 台灣 | 2.2 | 28.5% | 2.7 | 29.2% | 2.1 | 26.2% | 2.5 | 28.1% |
| 台灣 | 3.0 | 38.5% | 3.2 | 33.9% | 3.3 | 40.8% | 3.0 | 32.7% |
| 馬來西亞 | 0.1 | 1.7% | 0.3 | 2.7% | 0.2 | 2.1% | 0.3 | 3.2% |
| 總數 | 7.7 | 100.0% | 9.3 | 100.0% | 8.1 | 100.0% | 9.1 | 100.0% |
| 總流量 |
| 新加坡 | 3.8 | 13.0% | 4.3 | 12.4% | 7.8 | 12.6% | 8.0 | 12.1% |
| 香港 | 4.9 | 16.8% | 6.1 | 17.8% | 9.9 | 16.0% | 12.7 | 19.2% |
| 台灣 | 8.7 | 29.7% | 11.1 | 32.0% | 16.8 | 27.1% | 20.7 | 31.3% |
| 菲律賓 | 11.4 | 38.9% | 12.1 | 35.1% | 26.2 | 42.2% | 22.6 | 34.2% |
| 馬來西亞 | 0.5 | 1.7% | 0.9 | 2.7% | 1.2 | 2.0% | 2.1 | 3.2% |
| 總數 | 29.4 | 100.0% | 34.6 | 100.0% | 62.1 | 100.0% | 66.0 | 100.0% |
| MoneyHero Group 會員[5] |
| 新加坡 | 1.3 | 20.2% | 1.0 | 24.0% | 1.3 | 20.2% | 1.0 | 24.0% |
| 香港 | 0.8 | 12.2% | 0.5 | 12.1% | 0.8 | 12.2% | 0.5 | 12.1% |
| 台灣 | 0.3 | 4.7% | 0.2 | 5.4% | 0.3 | 4.7% | 0.2 | 5.4% |
| 菲律賓 | 3.8 | 58.3% | 2.3 | 53.5% | 3.8 | 58.3% | 2.3 | 53.5% |
| 馬來西亞 | 0.3 | 4.5% | 0.2 | 5.0% | 0.3 | 4.5% | 0.2 | 5.0% |
| 總數 | 6.5 | 100.0% | 4.3 | 100.0% | 6.5 | 100.0% | 4.3 | 100.0% |
電話會議詳情 公司於 2024 年 9 月19日(星期四)美國東部時間上午 8:00 或新加坡時間晚上 8:00 舉行電話會議和網路直播公布業績。可透過以下網址登記參加 MoneyHero Group (Nasdaq:MNY)的2024 年第二季業績電話會議: 網絡直播:
https://edge.media-server.com/mmc/p/bb5mvvro/ 電話會議:
https://register.vevent.com/register/BI804ba1fd51b0491182b7ed7fccf35400 網路重播將會在投資者關係網站內保留12 個月。
[1] 包括已向Computershare Hong Kong Investor Services Limited ("Computershare") 發行的 521,630 股股票。相關股票以信託方式持有，並由 Computershare 向相關行使期權持有人進行結算。
[2]包括已授予但未行使及已行使的期權，並在截至2024 年 6 月 30 日尚未發行的股票。
[3] 已向 Computershare 發行。由 Computershare 以信託形式持有並向相關行使期權持有人進行結算。
[4]公認股權證、保薦人認股權證、A-1 類認股權證、A-2 類認股權證及 A-3 類認股權證因缺錢而排除在外。
[5] 截至2024年6月30日和2023年6月30日的MoneyHero Group會員
"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 Google Analytics. A session initiates when a user either opens an app in the foreground or views a page or screen and no session is currently active (e.g., the user's previous session has ended). A session ends after 30 minutes of user inactivity. We measure Monthly Unique Users during a time period longer than one month by averaging the Monthly Unique Users of each month within that period. "Traffic" means the total number of unique sessions in Google Analytics. A unique session is a group of user interactions recorded when a user visits the website or app within a 30-minute window. The current session ends when there is 30 minutes of inactivity or users have a change in traffic source. "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, the Philippines and Malaysia, and (iii) users who are registered in our rewards database in Singapore and Hong Kong. Any duplications across the three sources above are deduplicated. "Clicks" means the sum of unique clicks by product vertical on a tagged "Apply Now" 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. "Approved Applications" means the number of applications that have been approved and confirmed by our commercial partners. 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, collectively, to evaluate ongoing operations and for internal planning and forecasting purposes. MoneyHero Group believes that non-IFRS information, when taken collectively, 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 loss for the year/period and loss before income tax. Adjusted EBITDA is a non-IFRS financial measure defined as loss for the year/period plus depreciation and amortization, interest income, finance costs, income tax expenses/(credit), equity-settled share option expense, transaction expenses, impairment of non-financial assets, other long-term employee benefits credit, other non-recurring costs related to strategic transaction, changes in fair value of financial instruments, non-recurring legal fees, and unrealized foreign exchange differences. Adjusted EBITDA Margin is defined as Adjusted EBITDA as a percentage of revenue. 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.
| 截至6月30日止三個月, | 截至6月30日止六個月, |
| 2024 | 2023 | 2024 | 2023 |
| (千美元) |
| 本期虧損 | (12,223) | (68,571) | (25,323) | (71,101) |
| 稅項支出 | 5 | 24 | 57 | 34 |
| 折舊/ 攤銷 | 1,066 | 1,255 | 2,047 | 2,400 |
| 利息收入 | (356) | (98) | (951) | (126) |
| 財務成本 | 5 | 1,803 | 13 | 3,569 |
| EBITDA | (11,501) | (65,587) | (24,156) | (65,224) |
| 非現金項目： |
| 金融工具的公允價值變動 | (1,109) | 58,038 | 237 | 57,937 |
| 非金融資產減值 | 92 | - | 92 | - |
| 員工購股權計畫產生的以權益結算的股份支付 | 1,015 | 268 | 1,638 | 795 |
| 未實現的外匯差額，淨額 | 1,766 | 3,216 | 5,802 | 2,070 |
| 上市及其他非經常性策略演習相關項目: |
| 交易費用 | 20 | 3,556 | 55 | 3,613 |
| 涉及策略交易的其他非經常性項目 | 61 | - | 61 | 1 |
| 其他非經常性項目: |
| 其他長期員工福利抵免 | - | (84) | - | (84) |
| 非經常性法律費用 | 323 | - | 497 | - |
| 經調整後EBITDA | (9,336) | (593) | (15,775) | (892) |
| 收入 | 20,674 | 16,650 | 42,849 | 34,553 |
| 經調整後 EBITDA | (9,336) | (593) | (15,775) | (892) |
| 經調整後 EBITDA率 | (45.2)% | (3.6)% | (36.8)% | (2.6)% |
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 the COVID-19 pandemic or any other pandemic 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 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.
未經審核的綜合損益及其他全面(虧損)/收益表 截至6月30日止三個月, 截至6月31日止六個月, 2024 2023 2024 2023 (千美元，每股虧損除外) 收入 20,674 16,650 42,849 34,553 成本及支出: 收入成本 (13,795) (7,178) (27,901) (15,655) 廣告及及市場行銷費用 (6,581) (3,925) (12,714) (7,488) 技術成本 (2,194) (1,722) (4,046) (3,256) 員工福利費用 (6,712) (4,474) (12,590) (9,559) 一般、行政及其他營運費用 (3,222) (4,867) (5,609) (6,116) 外匯差額，淨額 (1,848) (3,291) (5,959) (2,170) 營運虧損 (13,679) (8,808) (25,970) (9,691) 其他收入/(支出): 其他收入 357 102 954 130 財務成本 (5) (1,803) (13) (3,569) 金融工具的公允價值變動 1,109 (58,038) (237) (57,937) 稅前虧損(12,217)(68,548)(25,265)(71,067) 所得稅費用 (5) (24) (57) (34) 本期虧損(12,223)(68,571)(25,323)(71,101)其他全面收入/ (虧損) 其後可能分類至損益的其他全面收入/ (虧損)（稅後） 換算海外業務產生之匯兌差額 1,279 2,677 4,992 1,673 其後不能分類至損益的其他全面虧損（稅後）： 重新計量設定受益計劃收益 (6) (35) (5) (35) 其後可能分類至損益的其他全面收入/ (虧損)（稅後） 1,273 2,643 4,987 1,638 本期全面虧損總額（稅後）(10,950)(65,928)(20,336)(69,463) 母公司持有者的普通股每股基本虧損 基本和稀釋 (0.3) (47.3) (0.6) (49.1) 
