Latest news with #Monee
Yahoo
a day ago
- Business
- Yahoo
Here Is What You Need To Know Before Investing In Sea Limited (SE)
Sea Limited (NYSE:SE) is among the 13 Best Global Stocks to Buy Right Now. The consumer internet company, through its subsidiaries, operates three core businesses of e-commerce, digital entertainment, and digital financial services. The company delivered strong results during the first quarter of fiscal 2025, with all three businesses reporting improved profitability. In e-commerce, Shopee posted a record-high GMV and gross order volume. The digital financial services business, SeaMoney, which is now rebranded as Monee, had a 50% year-over-year increase in both revenue and adjusted EBITDA. The digital entertainment segment, Garena, also had a stellar beginning to the year, registering its best quarter since 2021. Overall, Sea Limited (NYSE:SE)'s GAAP revenue stood at $4.8 billion, growing almost 30% from the prior year, while total net income was reported at $410.8 million, improving from a net loss of $23 million for the first quarter of fiscal 2024. Following the results, several firms, including JPMorgan, Benchmark, and Barclays, hiked their price targets for the stock. Wall Street analysts have a consensus Buy rating for Sea Limited (NYSE:SE), with a one-year average share price target of $178.66, representing a 15% upside potential from its current trading value. First-quarter results also buoyed investors. Lakehouse Global Growth Fund stated the following regarding Sea Limited (NYSE:SE) in its May 2025 investor letter: 'Sea Limited (NYSE:SE) delivered another impressive result, with sustained momentum driving solid top-line growth and continued progress on profitability. Group revenue grew 30% to US$4.8 billion, driven by strong performance from the company's e-commerce platform, Shopee, and its fintech business, Monee. Shopee further extended its market leadership across Asia and Brazil, with record GMV rising 22% to US$28.6 billion and continued improvement in its take rate, up 60 basis points to 12.3%. Monee accelerated its growth with their loan book rising 77% to US$5.8 billion, driven by a >50% increase in active borrowers to over 28 million whilst maintaining sound credit quality. Combined with strong operating leverage across all business units, this growth helped lift adjusted EBITDA 136% to US$947 million and continues to demonstrate Sea's ability to deliver further profitable growth.' Sea Limited (NYSE:SE)'s shares have gained 44.45% year-to-date as of the close of business on July 22. While we acknowledge the potential of SE as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 10 Best Small Cap Defense Stocks to Buy According to Hedge Funds and 13 Best Booming Stocks to Buy Now. Disclosure: None. Error while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
Globe and Mail
17-07-2025
- Business
- Globe and Mail
Sea Ltd Is Quietly Building Up a Fintech Empire
Key Points The fintech business started as an e-wallet, but expanded into other use cases like bill payments, QR codes, and credit. The credit business is growing rapidly. Monee is riding on multiple tailwinds. Sea Limited (NYSE: SE) is best known for two things: Shopee, its e-commerce giant that dominates Southeast Asia, and Garena, the once high-flying gaming business that's showing signs of a comeback. But under the radar, Sea has been steadily nurturing a third business that could one day rival its other companies. That business is Monee (previously known as SeaMoney), Sea's fintech arm. While investors often focus on Shopee's market share or Garena's user trends, the fintech story unfolding within Sea deserves the attention of investors. Here's why. From e-wallet to ecosystem Monee started as a digital wallet to support transactions on Garena and Shopee. It was a logical move: Reduce payment friction on the gaming and e-commerce platform and capture more value per transaction. But what began as a support function evolved into a stand-alone growth engine. Today, the fintech business spans mobile wallets, consumer lending, payment processing, and even insurance and financial services. Users can pay bills, top up phone credits, make offline purchases via QR codes, and increasingly access buy-now-pay-later or personal credit offerings -- all within the Sea ecosystem. In the first quarter of 2025, Sea's digital financial services segment generated $787 million in revenue, representing a 58% year -over-year increase. Just as impressively, adjusted EBITDA came in at $241 million, marking the fourth consecutive quarter of profitability -- a remarkable turnaround for a segment that was burning cash just two years ago. Monee's rapidly expanding finances were a result of its strategy of first capturing users with basic mobile wallet services -- which usually don't generate much revenue -- and then upselling other services, such as credit and insurance products. As Monee evolves into an ecosystem, it has the potential to offer a wide range of financial services beyond credit, which should open up new revenue streams. Digital lending: The elephant in the room One of the most compelling parts of Sea's fintech business is its digital lending, a space that remains underpenetrated across Southeast Asia. Millions of small businesses and consumers are underserved by traditional banks, creating a significant opportunity for platforms like Sea, which already possesses deep data, user trust, and distribution reach. To capitalize on the significant credit opportunity in this region, Sea actively pursued banking and digital lending licenses in each country. So far, it has set up digital banking arms in Indonesia and the Philippines (under the SeaBank brand) and in Singapore (under MariBank). Beyond these banking businesses, the fintech also offers basic credit products under SPayLater in multiple countries across Southeast Asia. Unsurprisingly, the fintech business delivered some solid performance recently. In the first quarter of 2025, loans outstanding surged 77% year over year to $5.8 billion, driven by rapid growth in borrowers. For perspective, Monee added more than 4 million first-time borrowers in that quarter, bringing the total number of active loan users to over 28 million. Better still, the solid growth did not come at the expense of risk management, as the 90+ days non-performing loan (NPL) ratio declined from 1.4% a year ago to 1.1%. If the company can maintain its risk management while growing its loan book, it will inevitably report better profits in the coming quarters. Favorable macro tailwinds Southeast Asia remains one of the most promising fintech markets globally. Consider this: The Temasek-Bain-Google report states that over 70% of adults in the region stay underbanked or unbanked. This low penetration sets the right environment for tech companies like Sea to capture these customers. To this end, the growing smartphone and internet penetration provides ample opportunity for the company to capture these users. Furthermore, governments are increasingly supportive of digital financial inclusion, with initiatives such as digital banking licenses in Indonesia, Malaysia, and the Philippines. Additionally, Monee's deep integration with Shopee provides a customer acquisition advantage, and its expanding suite of financial products enables it to increase lifetime value per user -- much like how Ant Group scaled alongside Alibaba. What it means for investors Sea Limited is no longer just a two-engine company. Shopee remains dominant, Garena is healing, and Monee may be the surprise that carries a significant upside in the coming years. If it continues to execute, this fintech engine could become the company's next most valuable asset. Long-term investors should keep a close eye on its continued progress. Should you invest $1,000 in Sea Limited right now? Before you buy stock in Sea Limited, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Sea Limited wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $699,558!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $976,677!* Now, it's worth noting Stock Advisor 's total average return is1,060% — a market-crushing outperformance compared to180%for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of June 30, 2025
Yahoo
10-07-2025
- Business
- Yahoo
Sea (SE) Releases Q1 2025 Results, Shopee delivers Record-high GMV and Gross Order Volume
Sea Limited (NYSE:SE) is one of the The company's capability to improve net take rates, mainly in the e-commerce segment, can fuel the profitability. With Shopee continuing to enhance the value proposition for merchants with the help of improved logistics, marketing tools, and customer reach, it can justify increased take rates without giving up the market share. Sea Limited (NYSE:SE) released its Q1 2025 results, wherein on the e-commerce front, Shopee delivered a record-high GMV and gross order volume. Shopee happens to be the leading e-commerce platform in Southeast Asia and Taiwan. A close-up of a customer placing an order using the company's e-commerce platform. Sea Limited (NYSE:SE)'s robust execution of operational priorities, such as enhancing price competitiveness, improving service quality, and strengthening of content ecosystem, made Shopee competitive and differentiated. In e-commerce, gross orders totaled 3.1 billion for the quarter, reflecting 20.5% YoY growth, with GMV coming at US$28.6 billion in Q1 2025, increasing 21.5% YoY. As Shopee's ecosystem matures, the platform could generate additional high-margin revenue streams, including advertising and value-added services for merchants. As a result, these offerings can help improve overall profitability without necessarily raising the take rates on transactions. Lakehouse Capital, a Sydney-based investment manager, released its May 2025 investor letter. Here is what the fund said: 'Sea Limited (NYSE:SE) delivered another impressive result, with sustained momentum driving solid top-line growth and continued progress on profitability. Group revenue grew 30% to US$4.8 billion, driven by strong performance from the company's e-commerce platform, Shopee, and its fintech business, Monee. Shopee further extended its market leadership across Asia and Brazil, with record GMV rising 22% to US$28.6 billion and continued improvement in its take rate, up 60 basis points to 12.3%. Monee accelerated its growth with their loan book rising 77% to US$5.8 billion, driven by a >50% increase in active borrowers to over 28 million whilst maintaining sound credit quality. Combined with strong operating leverage across all business units, this growth helped lift adjusted EBITDA 136% to US$947 million and continues to demonstrate Sea's ability to deliver further profitable growth.' While we acknowledge the potential of SE as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 13 Cheap AI Stocks to Buy According to Analysts and 11 Unstoppable Growth Stocks to Invest in Now Disclosure: None. This article is originally published at Insider Monkey. Sign in to access your portfolio
Yahoo
06-07-2025
- Business
- Yahoo
Sea Ltd Is Quietly Building Up a Fintech Empire
The fintech business started as an e-wallet, but expanded into other use cases like bill payments, QR codes, and credit. The credit business is growing rapidly. Monee is riding on multiple tailwinds. 10 stocks we like better than Sea Limited › Sea Limited (NYSE: SE) is best known for two things: Shopee, its e-commerce giant that dominates Southeast Asia, and Garena, the once high-flying gaming business that's showing signs of a comeback. But under the radar, Sea has been steadily nurturing a third business that could one day rival its other companies. That business is Monee (previously known as SeaMoney), Sea's fintech arm. While investors often focus on Shopee's market share or Garena's user trends, the fintech story unfolding within Sea deserves the attention of investors. Here's why. Monee started as a digital wallet to support transactions on Garena and Shopee. It was a logical move: Reduce payment friction on the gaming and e-commerce platform and capture more value per transaction. But what began as a support function evolved into a stand-alone growth engine. Today, the fintech business spans mobile wallets, consumer lending, payment processing, and even insurance and financial services. Users can pay bills, top up phone credits, make offline purchases via QR codes, and increasingly access buy-now-pay-later or personal credit offerings -- all within the Sea ecosystem. In the first quarter of 2025, Sea's digital financial services segment generated $787 million in revenue, representing a 58% year -over-year increase. Just as impressively, adjusted EBITDA came in at $241 million, marking the fourth consecutive quarter of profitability -- a remarkable turnaround for a segment that was burning cash just two years ago. Monee's rapidly expanding finances were a result of its strategy of first capturing users with basic mobile wallet services -- which usually don't generate much revenue -- and then upselling other services, such as credit and insurance products. As Monee evolves into an ecosystem, it has the potential to offer a wide range of financial services beyond credit, which should open up new revenue streams. One of the most compelling parts of Sea's fintech business is its digital lending, a space that remains underpenetrated across Southeast Asia. Millions of small businesses and consumers are underserved by traditional banks, creating a significant opportunity for platforms like Sea, which already possesses deep data, user trust, and distribution reach. To capitalize on the significant credit opportunity in this region, Sea actively pursued banking and digital lending licenses in each country. So far, it has set up digital banking arms in Indonesia and the Philippines (under the SeaBank brand) and in Singapore (under MariBank). Beyond these banking businesses, the fintech also offers basic credit products under SPayLater in multiple countries across Southeast Asia. Unsurprisingly, the fintech business delivered some solid performance recently. In the first quarter of 2025, loans outstanding surged 77% year over year to $5.8 billion, driven by rapid growth in borrowers. For perspective, Monee added more than 4 million first-time borrowers in that quarter, bringing the total number of active loan users to over 28 million. Better still, the solid growth did not come at the expense of risk management, as the 90+ days non-performing loan (NPL) ratio declined from 1.4% a year ago to 1.1%. If the company can maintain its risk management while growing its loan book, it will inevitably report better profits in the coming quarters. Southeast Asia remains one of the most promising fintech markets globally. Consider this: The Temasek-Bain-Google report states that over 70% of adults in the region stay underbanked or unbanked. This low penetration sets the right environment for tech companies like Sea to capture these customers. To this end, the growing smartphone and internet penetration provides ample opportunity for the company to capture these users. Furthermore, governments are increasingly supportive of digital financial inclusion, with initiatives such as digital banking licenses in Indonesia, Malaysia, and the Philippines. Additionally, Monee's deep integration with Shopee provides a customer acquisition advantage, and its expanding suite of financial products enables it to increase lifetime value per user -- much like how Ant Group scaled alongside Alibaba. Sea Limited is no longer just a two-engine company. Shopee remains dominant, Garena is healing, and Monee may be the surprise that carries a significant upside in the coming years. If it continues to execute, this fintech engine could become the company's next most valuable asset. Long-term investors should keep a close eye on its continued progress. Before you buy stock in Sea Limited, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Sea Limited wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $699,558!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $976,677!* Now, it's worth noting Stock Advisor's total average return is 1,060% — a market-crushing outperformance compared to 180% for the S&P 500. Don't miss out on the latest top 10 list, available when you join . See the 10 stocks » *Stock Advisor returns as of June 30, 2025 Lawrence Nga has positions in Alibaba Group and Sea Limited. The Motley Fool has positions in and recommends Sea Limited. The Motley Fool recommends Alibaba Group. The Motley Fool has a disclosure policy. Sea Ltd Is Quietly Building Up a Fintech Empire was originally published by The Motley Fool Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Globe and Mail
23-06-2025
- Business
- Globe and Mail
Sea Eyes Fintech Growth: Is Monee the Next Revenue Pillar?
Sea Limited SE is capitalizing on fintech momentum, as Monee, its digital financial services division, is showing strong prospects. Monee delivered a standout performance in the first quarter of 2025, with revenues surging 57.6% year over year to $787.1 million, outpacing both Shopee and Garena, which posted gains of 28.3% and 8.2%, respectively. This rapid growth was fueled by a $5.8 billion loan book and strong traction in emerging markets. Monee's expansion into Brazil, one of South America's most underserved credit markets, signals a strategic pivot toward sustainable growth. Now among Southeast Asia's largest unsecured consumer lenders, Monee draws most of its revenues from consumer and SME credit. In the last reported quarter, SE added more than 4 million first-time borrowers, with active loan users exceeding 28 million, representing 50% year-over-year growth. Despite this rapid expansion, Monee has maintained a stable portfolio health, with a 90-day non-performing loans ratio of 1.1%. As the division scales, the company continues to prioritize risk management through a proactive, data-driven approach. Deep market penetration and an expanding user base are helping Monee draw on real-time insights from within the SE ecosystem to monitor repayment behaviors and adjust credit policies accordingly. The division is now moving beyond payments and credit to banking, investment and insurance to build a full-fledged financial services platform. Monee's growth is increasingly driven by its integration with Shopee via SPL (Shopee PayLater), as well as rising traction in non-Shopee channels, particularly its BCL (Buy-Consume-Later) and SPL offline offerings. Together, these trends highlight Monee's balance of ecosystem synergy and independent growth potential. SE Faces Fintech Pressure From Key Rivals Sea faces strong competition in digital financial services from Grab Financial GRAB and PayPal PYPL. Grab Financial, through GrabFin and OVO, provides digital payment, lending and insurance services across Southeast Asia. These offerings target drivers, merchants and customers using Grab's platform scale. As On-Demand GMV accelerates and fintech adoption deepens, Grab Financial is emerging as a competitive fintech leader in one of the world's most dynamic digital economies. PayPal operates one of the most trusted and globally recognized digital payments ecosystems, with 436 million active accounts and $417.2 billion in total payment volume (TPV) as of March 31, 2025. Venmo, the company's peer-to-peer payment platform, continues to drive significant TPV growth. PayPal's edge lies in its brand trust, merchant network and fraud prevention tech. To expand its share in online checkouts and in-person transactions, the company is scaling tools like PayPal Open and Verifone integrations. SE's Price Performance, Valuation & Estimates Shares of Sea have risen 44.6% year to date compared with the Zacks Internet – Software industry's growth of 11.2%. From a valuation standpoint, SE appears overvalued, trading at a forward 12-month price-to-earnings ratio of 30.56, higher than the sector's 25.96X. SE carries a Value Score of D. The Zacks Consensus Estimate for SE's 2025 earnings is pegged at $4.23 per share, which increased 7.4% over the past 60 days. This marks strong 151.79% growth in earnings compared with fiscal 2024. SE stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Zacks' Research Chief Names "Stock Most Likely to Double" Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest. This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%. Free: See Our Top Stock And 4 Runners Up Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Sea Limited Sponsored ADR (SE): Free Stock Analysis Report PayPal Holdings, Inc. (PYPL): Free Stock Analysis Report Grab Holdings Limited (GRAB): Free Stock Analysis Report
