MoneyHero Limited (MNY) Q3 2024 Earnings Call Transcript Summary
MoneyHero Limited (MNY) Q3 2024 Earnings Call Transcript Summary
Adjusted EBITDA loss improved to $5.5 million in Q3, due to cost optimizations.The following is a summary of the MoneyHero Limited (MNY) Q3 2024 Earnings Call Transcript:
以下是MoneyHero Limited（MNY）2024年第三季度業績會的摘要：
Financial Performance:
財務表現：
Q3 revenue reached $20.9 million, a 6% growth year-over-year.
Adjusted EBITDA loss improved to $5.5 million in Q3, due to cost optimizations.
第三季度營業收入達到2090萬，同比增長6%。
由於成本優化，調整後的EBITDA虧損在第三季度改善至550萬。
Business Progress:
業務進展：
Launched a car insurance vertical in Hong Kong with enhanced customer service.
Rolled out revamped mobile applications improving user engagement.
在香港推出了汽車保險業務，增強了客戶服務。
推出了改版的移動應用程序，提高了用戶參與度。
Opportunity:
機會：
Expanding into high-margin product categories to drive growth.
Centralized customer data platform to enhance cross-selling and efficiency.
拓展高利潤產品類別以推動增長。
集中客戶數據平台以增強交叉銷售和效率。
Risk:
風險：
Provider campaigns' fluctuations in Singapore highlight potential market volatility.
新加坡提供商活動的波動突出潛在市場波動性。
Financial Performance:
財務表現：
Q3 2024 Earnings Conference disclosed a revenue of $20.9 million with a 6% year-over-year growth.
Adjusted EBITDA loss improved from $9.3 million in Q2 to $5.5 million in Q3, thanks to cost optimizations and high-margin product strategies.
The company experienced significant growth in the Philippines (49%) and Hong Kong (18%), while Singapore revenue declined by 13% year-over-year.
Insurance product vertical saw a 36% increase in revenue Y-o-Y, contributing 9% to the group's total revenue.
2024年第三季度業績會披露營業收入爲2090萬，達到6%的同比增長。
調整後的EBITDA虧損從第二季度的930萬改善至第三季度的550萬，得益於成本優化和高利潤產品策略。
公司在菲律賓（增長49%）和香港（增長18%）經歷了顯著增長，而新加坡的營業收入同比下降了13%。
保險產品行業實現了同比36%的營業收入增長，對集團總營業收入貢獻了9%。
Business Progress:
業務進展：
Implemented a comprehensive reorganization and restructuring, optimizing marketing, product, and customer operations.
Launched a car insurance vertical in Hong Kong, enhancing real-time pricing capabilities and customer service.
Introduced new membership and loyalty programs, enabling one-click applications and real-time reward tracking.
Expanded partnerships and product portfolios, especially in insurance and wealth management.
Successfully rolled out revamped mobile applications and UI enhancements, improving user experience and engagement.
實施了全面的重組和結構調整，優化了營銷、產品和客戶運營。
在香港推出了汽車保險行業，增強了實時定價能力和客戶服務。
推出了新的會員和忠誠度計劃，實現了一鍵申請和實時獎勵跟蹤。
擴大了合作伙伴關係和產品組合，特別是在保險和财富管理方面。
成功推出了改版的移動應用程序和用戶界面增強功能，提高了用戶體驗和參與度。
Opportunities:
機會：
Strategic expansion into high-margin product categories is positioned to drive scalable and sustainable growth.
Centralized customer data platform to enhance cross-selling capabilities and marketing efficiency.
Deployment of advanced insurance offerings and financial tools like real-time pricing and comprehensive coverage options.
Bolstered technological and data infrastructure to support customer acquisition and operational leverage.
Anticipation of consolidating industry in Great South East Asia to lead industry growth.
戰略性擴展高利潤產品類別旨在推動可擴展和可持續的增長。
集中化的客戶數據平台增強交叉銷售能力和市場營銷效率。
部署先進的保險產品和金融工具，如實時定價和全面的覆蓋期權。
增強技術和數據基礎設施以支持客戶獲取和運營槓桿。
預計在大東南亞行業的整合將推動行業增長。
Risks:
風險：
Fluctuations in provider campaigns in Singapore posed challenges, indicating potential market volatility and dependency on campaign-driven revenues.
新加坡供應商活動的波動帶來了挑戰，表明市場波動的潛在性以及對活動驅動收入的依賴。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更全面的細節，請參閱IR網站。 文章僅供投資者參考，不構成任何指導或推薦建議。
譯文內容由第三人軟體翻譯。
