**Summary of MONY Group PLC Preliminary Results for the Year Ended 31 December 2025**
MONY Group PLC reported resilient financial performance for the year ended 31 December 2025, despite significant headwinds in the car insurance sector. Key highlights include
### **Financial Performance**
**Revenue Growth**Record revenue of £446.3 million, up 2% from £439.2 million in 2024, driven by strong performance in Money and Home Services.
**Adjusted EBITDA**Highest ever Adjusted EBITDA of £145.1 million, up 2% from £141.8 million, with a margin increase to 33%.
**Profit After Tax**: £80.7 millionup 1% from £80.2 million.
**Adjusted Basic EPS**Increased by 5% to 17.9p from 17.1p.
**Operating Cashflow**£107.7 million, down 7% from £115.6 million, due to working capital movements in longer cash collection periods.
**Net Cash**£4.1 million, down 51% from £8.4 million, after shareholder returns and investments.
### **Shareholder Returns**
**Dividend**Proposed final dividend of 9.30p per share, bringing the total dividend for 2025 to 12.63p, up 1%.
**Share Buyback**Completed a £30 million share buyback in 2025 and announced a further £25 million buyback for 2026.
**Total Shareholder Returns**£96 million in 2025, including dividends and share buybacks.
### **Strategic Highlights**
**Membership Growth**SuperSaveClub membership grew to over 2.1 million, generating 16% of Group revenue and increasing customer lifetime value.
**AI Integration**Signed an enterprise agreement with OpenAI and launched AI-enabled products like Price Optimiser and Savings by MoneySuperMarket.
**Marketplace Expansion**Extended the two-sided marketplace strategy, transforming the Group into a progressive, AI-enabled company.
**Customer Savings**Helped households save an estimated £2.8 billion in 2025, contributing to nearly £12 billion saved over the last five years.
### **Operational Efficiency**
**Cost Management**Operating costs down 4%, demonstrating robust cost management.
**Provider Services**Revenue up 13%, with strong performance in B2B, Market Boost, and Tenancy services.
### **Outlook**
**2026 Guidance**The Board is confident in delivering Adjusted EBITDA in line with the current consensus range of £142 million to £153 million, with a midpoint of £146 million.
**Strategic Momentum**Continued focus on membership growth, AI integration, and expanding the two-sided marketplace.
### **H2 2025 Performance**
**Revenue Growth**Up 2% in H2, driven by strong performance in Money (up 13%) and Home Services (up 37%), offset by softer trading in Insurance (down 1%), Travel (down 22%), and Cashback (down 18%).
**Insurance**Challenging market conditions in car and home insurance, partially offset by strong performance in life insurance.
**Money**Growth driven by banking and credit card switching volumes.
**Home Services**Significant increase in energy switching, aided by a collective switch campaign.
**Travel**Revenue decline due to competitive market conditions and reduced trading months.
**Cashback**Impacted by subdued consumer confidence and reduced retail spending.
### **ESG and Corporate Responsibility**
**Net Zero Target**On track to achieve Operational Net Zero by 2030.
**Diversity and Inclusion**Maintained strong diversity metrics, with 47% female representation on the Board and Executive.
**Community Engagement**Continued partnership with Campaign Against Living Miserably (CALM) and accredited as a Real Living Hours employer.
### **Conclusion**
MONY Group PLC demonstrated resilience and strategic progress in 2025, achieving record revenue and Adjusted EBITDA despite industry challenges. The Group’s focus on membership growth, AI integration, and operational efficiency positions it well for continued growth in 2026. Shareholder returns remain a priority, with a balanced approach to dividends and share buybacks.