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當AI大浪席捲台灣IP,催生多檔千金股之際,國際市占率極低的台灣IP公司,如何搶進兆元AI戰場呢?

《經濟日報》獨家專訪8大指標企業,為你解謎!



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MoneyHero Group公布2024第一季業績

本文共18656字

MediaOutReach 媒體拓展/贊助

第一季收入按年升24%至2,220萬美元

新加坡 - Media OutReach Newswire - 2024年6月25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 3月 31 日的第一季業績。

管理層評論:

行政總裁Rohith Murthy先生表示:「我很高興公布公司在今個季度取得強勁的業績,收入按年增長24%,達到2,220萬美元。這一顯著增長反映我們的業務發展策略取得有效成果,以及我們的核心市場表現依然強勁。受到農曆假期和2月份較短等因素影響,第一季度的業績表現往往較平常為低,但公司在今個季度實現了大幅度的同比增長﹐說明我們的業務模式具有韌性和能力﹐來應對季節性挑戰。

回顧我們在 2023 年第四季度財報中提到的五大業務關鍵支柱 – 消費者吸引度、頁面轉換率、保險經紀、強大的合作夥伴關係、以及經營槓桿 – 上述支柱對我們的第一季業績有着明顯的正面影響。公司透過優化用戶體驗和提供高品質的內容來吸引消費者,從而提升網站數據流量。

受惠於我們卓越的UX/UI使用者介面,經批准申請的次數上升72%,反映我們在帶動頁面轉換率的能力。保險業務是我們的主要增長動力,收入按年增長44%,為集團收入貢獻8.2%,並由簡化及優化後的保險購買流程所帶動。

強大的合作夥伴關係使我們成為許多金融合作夥伴的最大數碼客戶開發渠道 。本季度,我們進一步在新加坡和香港等市場中加強市場營銷活動和擴展市場佔有率,相關市場的收入增長分別為61%和37%。

我們在信用卡業務的積極增長策略可達致多種策略目的,包括獲得新用戶、成為合作夥伴的首選客戶開發渠道、以及利用信用卡交叉銷售其他金融產品(尤其是保險)。

我們的Creatory平台持續發展,在第一季度為集團收入貢獻19%,高於去年的17%。透過招募新內容創作者、加大市場營銷活動、以及開發新受眾,以持續拓展Creatory的業務。

我們的EBITDA虧損增長主要反映在我們對業務增長和擴大市場佔有率的投資。相關投資不單可提升今季收入表現,更有助我們建立可持續的業務模式。通過擴大用戶數量和市場佔有率,為我們未來的盈利能力奠定基礎。相關品牌和市場營銷投資將可在未來提升我們的品牌信任度和頁面轉換率,進一步提高我們的效率。

為進一步提升我們的財務表現,我們在營運效率進行優化,並擴大更高利潤的產品發展,例如個人貸款、保險和廣告收入等。我們預計相關措拖將在今年下半年起有助減少我們的運營成本。此外,利用人工智慧和自動化,並集中數據在一個強大的平台上,可以提升我們的市場行銷效率,並獲得更好效的洞察力和客戶關係管理策略。

最後,我們專注於發揮經營槓桿。儘管我們的增長戰略增加了營運成本,但我們的擴展策略和效率將可推動長遠價值。公司無負債並擁有強勁的現金狀況,有利於我們執行發展策略,並在2024 年實現達到 1 億美元收入的目標,而第一季度的穩健業績說明公司正按計劃以實現年度目標。

綜上所述,增加用戶數量和擴大市場佔有率等策略措施可能會較遲才獲得盈利,但我們將專注於長期策略投資和提升運營效率,以確保公司可持續獲得盈利。隨著我們持續擴大規模並發揮業務優勢,我對公司業務的長期獲利能力充滿信心。」

首席財務總監錢灝先生補充:「我很高興能夠加入MoneyHero 集團並擔任新任首席財務總監。在 2024 年第一季度,MoneyHero 積極的擴展策略成功帶動經本公司批准的申請次數增長 72%、並錄得經調整後的 EBITDA 虧損增加到 (640) 萬美元。相關增長有助我們擴大在大東南亞地區的市場份額,並推動收入增長至2,200萬美元。我們將繼續專注通過有機和併購來擴大我們在大東南亞地區的市場領導地位,以進一步鞏固行業並實現效率提升。我期待為 MoneyHero 的成功作出進一步貢獻,並與才華橫溢的團隊合作,推動業務增長和實現長期股東價值。

MoneyHero 收入在 2024 年第一季錄得按年增長24%。在第一季度,我們繼續實施強勁的增長策略,以擴大我們的用戶數量和市場佔有率。我們的經調整後EBITDA虧損在2024年第一季度按年增至 (640) 萬美元。主要原因是:
1)增加品牌和市場行銷費用來擴大市場佔有率
2)花旗銀行退出台灣和菲律賓造成的供應商限制
3)與上市公司相關的額外成本(審計費、董事及高級管理人員責任保險、投資者關係/公共關係相關費用等)按年增加

基於我們的發展策略,我們預計2024年上半年的經調整後EBITDA虧損將保持高位,但我們預計獲利率將在2024年下半年恢復,並在今年餘下時間繼續擴大。我們預計2024年下半年的營運有調整後的EBITDA利潤。」

2024 年第一季財務摘要
  • 2024 年第一季收入按年增長 24%至 2,220萬美元
    • 網上理財比較平台的收入按年增長 22% 至 1,810萬美元
    • B2B 業務平台 Creatory 的收入按年增長 34%,佔集團在 2024 年第一季收入的 19%。 去年同期為 17%
  • 按市場劃分的收入:
    • 新加坡在第一季的收入按年升 61% 至 890萬美元,其中信用卡和保險的業務增長最為 明顯
    • 香港在第一季的收入按年升 37% 至 770 萬美元,其中私人借貸業務的增長最為明顯
    • 菲律賓在第一季的收入按年跌 4% 至 400 萬美元,其中受到主要客戶在完成收購後的服務遷移和價格條款調整所影響
    • 台灣在第一季的收入按年跌 40% 至 140萬美元,其中受到主要客戶暫停提供產品所影響。但在第一季與新客戶和回頭客達成交易
  • 保險產品收入在第一季按年升44%至180萬美元,佔集團收入的8% ,去年同期為7%
  • 總營運成本和費用由去年同期的 1,880 萬美元增至 2024 年第一季的 3,450 萬美元,主要由於公司增加市場營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
  • 經調整後的EBITDA 虧損由去年同期的(30萬美元) 增加至2024年第一季的(640萬美元)
  • 截至2024年3月31日,公司無負債,持有現金及現金等價物為 6,000 萬美元

2024年第一季的全年營運摘要
  • 2024年第一季的每月獨立用戶按年跌3% 至850 萬,但總流量按年升4%至3,270萬,主要由菲律賓的強勁流量增長所帶動
  • 截至2024年3月31日,MoneyHero Group 會員按年上升 59%達到 590 萬人,並受各個市場的會員增長所帶動
  • 2024年第一季的經批准的申請數量按年上升 72% 至 206,000,主要由信用卡和保險產品的強勁增長所帶動

資本結構
截至2024年3月31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
26,170,099
B類普通股
13,254,838
優先股
3,466,820
已發行股份總數
42,891,757
員工股權[1]
1,557,626
已發行及可發行股份總數[2]
44,449,383

主要財務數據 / 關鍵績效指標表現
截至3月31日止三個月,

2024
2023

(千美元,除注明外)
收入
22,175
17,902
經調整後 EBITDA
(6,440)
(300)



點擊次數 (千次)
2,294
1,898
申請次數 (千次)
495
375
經批准申請次數 (千次)
206
120

收入細分
截至3月31日止三個月,

2024

2023


US$
%
US$
%

(千美元,除百分比外)
按地區市場:




新加坡
8,944
40.3
5,559
31.1
香港
7,716
34.8
5,641
31.5
台灣
1,402
6.3
2,324
13.0
菲律賓
3,979
17.9
4,131
23.1
馬來西亞
133
0.6
247
1.4





總收入
22,175
100.0
17,902
100.0





按來源:




網上理財比較平台
18,058
81.4
14,834
82.9
Creatory
4,117
18.6
3,068
17.1





總收入
22,175
100.0
17,902
100.0





業務:




信用卡
15,426
69.6
13,077
73.0
私人借貸及按揭
3,297
14.9
2,337
13.1
保險
1,827
8.2
1,267
7.1
其他業務
1,625
7.3
1,221
6.8





總收入
22,175
100.0
17,902
100.0


截至3月31日止三個月,

2024
2023

(百萬, 除百分比外)
每月獨立用戶




新加坡
1.5
17.3%
1.8
20.1%
香港
1.1
13.5%
1.6
17.7%
台灣
2.1
24.1%
2.4
26.9%
菲律賓
3.6
42.8%
2.8
31.5%
馬來西亞
0.2
2.4%
0.3
3.8%
總數
8.5
100.0%
8.8
100.0%





總流量




新加坡
4.0
12.3%
3.7
11.7%
香港
5.0
15.3%
6.5
20.8%
台灣
8.1
24.8%
9.6
30.6%
菲律賓
14.8
45.2%
10.4
33.1%
馬來西亞
0.8
2.3%
1.2
3.8%
總數
32.7
100.0%
31.4
100.0%





MoneyHero Group 會員




新加坡
1.2
21.0%
1.0
26.2%
香港
0.7
12.6%
0.5
12.2%
台灣
0.3
4.5%
0.2
5.7%
菲律賓
3.4
57.2%
1.9
50.5%
馬來西亞
0.3
4.8%
0.2
5.4%
總數
5.9
100.0%
3.7
100.0%

電話會議詳情

公司於 2024 年 6 月 24 日(星期一)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 年第一季業績電話會議:
網絡直播: https://edge.media-server.com/mmc/p/zi3tnfu6/
電話會議: https://register.vevent.com/register/BI3c7e08b0e5fc45c18338b9e37908a351

網路重播將會在投資者關係網站內保留12 個月。



[1]包括截至 2024 年 3 月 31 日尚未發行的未行使及已行使選擇權。

[2] 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。


發佈者對本公告的內容承擔全部責任

關於 MoneyHero Group

MoneyHero Group (NASDAQ: MNY), (前稱Hyphen Group 或 CompareAsia Group) 是領先市場的個人數碼理財比較平台,旗下品牌服務遍佈五大市場,包括新加坡、香港、台灣、菲律賓及馬來西亞(大東南亞地區)等市場。截至 2023 年12月31日,公司與279間商業合作夥伴緊密合作,擁有超過870萬個每月獨立用戶量。公司由 PayPal、Palantir Technologies 、和 Founders Fund 的聯合創辦人 Peter Thiel,以及香港商人、盈科拓展集團創辦人、主席兼行政總裁李澤楷先生支持。了解更多有關MoneyHero 如何推動亞太地區的數碼經濟,請瀏覽www.MoneyHeroGroup.com.

(以下只供英文版本)

Key Performance Metrics and Non-IFRS Financial Measures

"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, employee severance expenses, transaction expenses, 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 respect from U.S. GAAP.


截至3月31日止三個月,

2024
2023

(千美元)
本期虧損
(13,100)
(2,530)
稅項支出
52
11
折舊/ 攤銷
981
1,144
利息收入
(595)
(28)
財務成本
8
1,766



EBITDA
(12,654)
363



非現金項目


金融工具的公允價值變動
1,346
(101)
員工購股權計畫產生的以權益結算的股份支付
623
527
未實現的外匯差額,淨額
4,036
(1,146)



上市及其他非經常性策略演習相關項目:


交易費用
35
56



其他非經常性項目:


非經常性法律費用
174
-
員工遣散費
-
1



經調整後 EBITDA
(6,440)
(300)



收入
22,175
17,902
經調整後 EBITDA
(6,440)
(300)
經調整後 EBITDA
(29.0)
(1.7)%

(以下只供英文版本)

Forward Looking Statements

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, which was declared effective by the U.S. Securities and Exchange Commission (the "SEC") on June 21, 2024 and other documents to be filed by the Company from time to time with the SEC. 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3月31日止三個月,

2024
2023

(千美元,每股虧損除外)
收入
22,175
17,902



成本及支出:


收入成本
(14,106)
(8,476)
廣告及市場行銷費用
(6,132)
(3,563)
技術成本
(1,851)
(1,534)
員工福利費用
(5,878)
(5,085)
一般、行政及其他營運費用
(2,387)
(1,249)
外匯差額,淨額
(4,112)
1,122



營運虧損
(12,291)
(883)



其他收入/(支出):


其他收入
597
29
財務成本
(8)
(1,766)
金融工具的公允價值變動
(1,346)
101



稅前虧損
(13,048)
(2,519)
所得稅費用
(52)
(11)
本期虧損
(13,100)
(2,530)
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
3,713
(1,004)
其後不能分類至損益的其他全面收入/ (虧損)(稅後)


重新計量設定受益計畫收益
1
-
其他全面收入/ (虧損),稅後淨額
3,714
(1,004)



本期全面虧損總額(稅後)
(9,386)
(3,534)




母公司持有者的普通股每股基本虧損
(0.3)
(1.7)

未經審核的綜合財務狀況表

截至3月31日,
截至12月31日,
(千美元)
2024
2023



非流動資產


其他無形資產
6,803
7,294
物業和設備
209
190
使用權資產
438
590
押金
-
26



非流動資產總額
7,450
8,100



流動資產


應收帳款
20,076
17,236
合約資產
16,412
16,025
預付款項、押金和其他應收款
5,338
4,855



質押銀行存款
193
189
現金及現金等價物
60,040
68,641



流動資產總額
102,059
106,947



流動負債


應付帳款
25,349
23,840
其他應付款項及應計費用
9,909
9,382
認股權證負債
3,185
1,840
租賃負債
453
575
撥備
71
72



流動負債總額
38,967
35,708



淨流動資產
63,092
71,239
總資產減去流動負債
70,542
79,339



非流動負債


租賃負債
-
31
遞延所得稅負債
29
29
撥備
192
194



總非流動負債
221
255



淨資產
70,321
79,084



權益


已發行股本
4
4
儲備金
70,317
79,080



權益總額
70,321
79,084

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