The launch of new AI models has rattled UK software and finance firms, threatening to upend traditional search and comparison platforms. However, MONY Group, the parent company of UK price-comparison giant MoneySuperMarket, is positioning itself not as a victim of disruption, but as an early adopter ready to capitalise on the technology.
On Monday (23 February), the company reported record revenue and adjusted EBITDA for 2025, even as it navigated significant headwinds in car insurance.
More strikingly, executives used the earnings release to highlight a series of aggressive AI moves, including an enterprise agreement with OpenAI and the launch of a dedicated MoneySuperMarket app within the ChatGPT ecosystem, claims that position it as the first UK financial services and price comparison service to do so.
The results come amid investor jitters that had weighed on MONY’s shares earlier this month. When third-party AI-powered tools began offering direct insurance quotes via ChatGPT and Claude, shares in MONY and rivals like GoCompare tumbled, with fears that consumers might bypass established comparison sites altogether. MONY’s market value reportedly dropped by millions in one session as the market digested the potential threat from generative AI disintermediating the sector.
An opportunity not a risk
CEO Peter Duffy believes that AI is an opportunity rather than an existential risk.
“Our leading data and tech architecture, combined with the power of our brands, has positioned us exceptionally well to harness the opportunity of AI, and is powering our momentum as we head into 2026,” Duffy said in the earnings statement.
“We’ve launched new AI-enabled products including Price Optimiser and Savings by MoneySuperMarket, and unlocked a new route to market with the launch of the MoneySuperMarket ChatGPT app.”
The ChatGPT app, submitted for approval shortly after OpenAI opened its app store in late December 2025, allows users to access MoneySuperMarket services directly within ChatGPT conversations.
Customers can compare deals across car insurance, broadband, money products, and more, searching over 150 providers, through natural language queries, without leaving the chatbot interface. Initial offerings focus on quick estimates and full quotes (with secure sign-in), with plans to roll out nearly all main products by the end of Q1 2026.
This comes after the company signed an enterprise deal with OpenAI in 2025, gaining access to cutting-edge models to fuel internal innovations. New AI-powered tools include the Price Optimiser, which aggregates data sets to help users find cheaper quotes, and Savings by MoneySuperMarket, designed for intuitive savings account management and personalized financial decision-making.
Pivot is paying dividends
The strategic pivot appears to be paying off. Group revenue rose 2% to a record £446.3 million, with adjusted EBITDA up 2% to £145.1 million, marking the highest on record.
Money and Home Services segments grew strongly (8% and 33%, respectively), offsetting a 1% dip in insurance. The membership-focused SuperSaveClub surpassed 2.1 million members, contributing 16% of revenue and driving higher customer lifetime value.
MONY said it helped UK households save an estimated £2.8 billion in 2025, part of nearly £12 billion over five years. It returned £96 million to shareholders via dividends and completed £30 million buyback, while announcing another £25 million repurchase program for 2026.
Looking ahead, the board expressed confidence in delivering 2026 adjusted EBITDA in line with consensus estimates (around £146 million, within a £142-153 million range), citing recent trading momentum and strategic execution.
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