MONY Group plc (MNSKY) Q4 2025 Earnings Call Prepared Remarks Transcript

2026-02-23 05:44:57 ET

MONY Group plc (MNSKY) Q4 2025 Earnings Call February 23, 2026 2:00 AM EST

Company Participants

Peter Duffy - CEO & Director
Niall McBride - CFO & Executive Director

Presentation

Peter Duffy
CEO & Director ...

Welcome to the MONY Group full year results. I'm Peter Duffy, CEO; and later, I'll be joined by Niall McBride, our Chief Financial Officer. So I'm pleased to share what is a great set of results.

In 2025, we helped U.K. households save an estimated GBP 2.8 billion while delivering record revenue and record adjusted EBITDA. That's despite sector-specific headwinds. We're comfortable with how the group is performing. Our strength has always been in the breadth of our markets and the power of our brands, some of the most trusted and recognizable in the U.K.

But increasingly, it's also in the power of our data and our tech platform. This combination has given us resilience across cycles and has enabled us to deliver for shareholders regardless of end market conditions, and it positions us exceptionally well for the AI opportunities that are opening up. The macro environment is now easing, and that is giving us confidence that the momentum that we saw in H2 will continue into 2026.

Now our strategy, which is growing out our two-sided marketplace is working, and it has shown its strength. On the consumer side, member-based propositions are transforming transactional users into loyal engaged members. Our flagship proposition with SuperSaveClub now has over 2.1 million members. That's 1.1 million more than this time last year.

We've grown it consistently since launch, and we see no sign of this slowing. And then on the provider side, our services are once again delivering strong progress with revenue up 13%. Our tech platform is firing on all cylinders. The rebuild of our data and tech architecture, combined with the power of our brands has positioned us exceptionally well to harness the opportunities of AI.

Examples now include the development of new products like Price Optimiser on car insurance and Savings by MoneySuperMarket. The latter of proposition unlike anything we've offered before, that in turn will become a natural gateway into investments, which you can expect to see us deliver later in the year.

And then we're opening up new routes to market. We were thrilled last week that MoneySuperMarket became the first comparison website in the U.K. to launch its app on the ChatGPT app store. This means that customers will initially be able to complete car insurance and broadband and some of our money journeys through us directly, but from within the ChatGPT environment.

More journeys will be added every few weeks until we have nearly all of our main products available on our ChatGPT app by the end of this quarter. We believe this will be one of, if not the leading AI-enabled comparison application globally. And this is just the start. We are well positioned on our way to evolving our customers into broader financial companions, a one-stop shop where customers can not only trust that they will find the best deals, but also increasingly manage their day-to-day finances.

We've got plenty more to come in 2026. Our model remains highly cash generative. We consistently generate over GBP 100 million of trading cash flow each year. And in line with our capital allocation policy, we focus on growth that's both organic and acquisitive alongside shareholder returns. In 2025, we returned GBP 96 million to our shareholders via our progressive dividend and our share buyback program. And this morning, we've announced a further GBP 25 million share buyback, underlying our confidence in the group as we head into 2026.

Add to this, an increasingly efficient organization, and you have a highly effective and resilient business well positioned to continue to leverage the opportunities presented by AI and to deliver profitable growth. So I'll be back shortly to provide more detail on our strategic and our operational performance. Niall, over to you.

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