or Valley Thank morning year our earnings expert technology has Good than to the operations in that so you, impact have quarter presentation. instant with with we fourth say light other banking here weekend, a no Bank weekend to our everyone to Sean. our we everyone This welcome to and much business won't sure Silicon and was proved industry the XXXX resiliency processing full the and fallbacks near become customers. no rehash concerns over alternative our rescue. of regarding I'm
focus positives results and our trajectory positioned about we on many are We'll and why to our thrive. the instead
count customers good year our the proven foundation that are so results. full I'm stack a a has our our to to to sophistication times, our team. importantly enterprise the be be QX fintech and to proven of of our technology proud I a us. We infrastructure, and pleased one best business on the people, management built technology proven a infrastructure clients the challenging proven of in XXXX and share times their dedication model, couldn't in endure can more on our and of mission and
have for environment segment was for a American turbulent of built a decisions of most we broad powerful MoneyLion. assets, the another year in record to XXXX money platform unique our combination power Through performance operating of Despite decades, consumers.
innovating. continued We
nearly where adjusted now We're substantial trusted million by we as towards providing our million EBITDA company everyone. destination year. the $XXX revenue year-over-year our made evolution throughout as our improved in solidifying profitability We adjusted a in money our for sequentially at services and XXX% while efficient each over a progress to place continued where growth quarter a $XXX point We grew from drive XXXX.
And team month year punch so of bury positive as not the huge we at line, a worked exited to to look hard this We for very EBITDA deliver. that ultimately as our the December. achievement the adjusted with
million with and in as you snapshot, to a our year our significant platform. by total year million XX.X reached the the of XXXX, total customer In customers, XX definition customers our that to those and We those monetize with products platform. and we we unique partners amassed X.X browse business million just over as over across customers opposed exited profiles ended customers were scale. enterprise X,XXX points our taken know,
We lives. to regarding complemented customers' ideas, also our dynamic encourages insights enhanced our our offerings and advice content that of their consumers by exploration financial product
engagement lives. to their topic customers content things a deliver on bundles driven is MoneyLion Discover, where adjacent to to based to relevant launched content through videos dynamic and We money present We popular series personalized playlists what trending we relevant financial feed original most topics like and topics. deepen introduce on
lifetime can banking holders, and for through products, account bank suite, customers for a example, usage, value which added intended our pay and we invaluable peer-to-peer For money MoneyLion first features including, money drive to send anyone. party digital receive a expand transfer core product our to future digital
members a service part lower we're new the available consumer membership a of offerings provide continued also monthly marketplace. exclusive price. process model, non-financial at with We premium the in opportunities financial of as our continued features And will and our evolution additional engagement breadth and expanding our launching and of on of membership, in which product
has we marketing towards in in to intensive the is we ahead, presentation. will periods. approaches customers. consistently is XXXX costs be will more to the the in the turn acquisition This dependent the believe this and corner massive expenditures excellent on sustainable have you unit that created we become favorite profitable approach we acquire our long not growth. untenable which and deliver current As payback capital environment, look attractive year acquisition at economics run peers later Many about Rick why customer are talk of
profitability. laser a drive have our we on focus term near believe will We efforts that
expenses. our First, operating to efficiencies continue drive we'll in
to fees XXXX. to and expect our interest expenses company as first public we a we incurred in professional in see expenses other readiness rationalized. expenses, year Remember XXXX was compared net that significant have and now We leverage XXXX full
Second, any growth team through the we lines. continue in our and and medium to strategy of our balance optimize most differentiated place profitability leadership term. and profitable combination platform will to our MoneyLion third, leverage navigating in And continue a economic has to is attractive business and experienced talented, positioned prioritize acquisition customer innovative we'll our environment spend. an marketing
Turning across cross-sell from shows for million is customers the disciplined to tailored look of It of consumers at Why app works. the spend. maintaining a products our the number and while new quarterly sources. financial that marketing customer life customer also QX growth, traditional important We're consumers' levels XXXX, record to continue this very we added in inflection adds points. over a super financial noteworthy? cycle financial Our and effective away
we've large low drive capabilities consumer testament self-reliant integrated us the of to leverages top customer to with land and ecosystem is Our the a a enterprise the continue and This which expand acquisition. funnel allow media built, to to consumer.
incremental expenditure to and customer and year value as we over lifetime advantages. our You'll base relatively this from marketing effective In to we acts We you'll then many costs scale throughout one peers. notice our with customers infrastructure decline match our require network over pulling our and effect, acquisition of this maximization of little The biggest Cost investment. a suite the relative expansive of customer XXXX lower an is products as mechanism. see happening competitive with to XXXX.
recurring to increasing at expanding key meet products platform, customers' QX in By our client we XX% our driving extend were matching customers tenant products is lifetime to in on were they products XXXX, content them with lifetime consumption, to Turning and the our platform. these our by on continuously end were the up and to total from profile with of the and value relationship synergies X need. strategy. million the of just third-party needs, end while product compared million consumed reflecting how QX broader needs consumed XX.X deepening products the value delivering XX% consumption our products marketplace a XXXX, revenue of product By XXXX. of XXXX feel
our let me of are I on each the on update an provide presentation. believe first three key investor what today's I businesses, touch takeaways Before of
December fourth EBITDA reached consecutive adjusted quarter XXXX. significant positive and EBITDA This of we profitability. adjusted was milestone marks improvement quarterly towards our First,
XXXX ahead, Looking in beyond. to we expect positive XXXX continued profitable reflecting EBITDA in our growth and year adjusted driving fiscal commitment
than over we customer while million We Second, maintaining customers of achieved new of a cost number added total a this less $XX. quarterly in acquisition XXXX. record customers QX
This result of is technology business our allows which plate the our flywheel strong our are advantages, unit a effects us it economics MoneyLion's assets. model. and the highly to industry data are differentiated in underpinning and
QX record in advantage $XX third, MoneyLion $XX to This in quarterly being adjusted continue to XXXX. this expect XXXX. And revenue of million throughout reached compares QX XXXX. an We million
XXXX. In year-over-year for we year growth XXX% addition, nearly delivered full
environments. Our economic provides diversified consumer are There and us different built our in each hedges enterprise off and way, other durability of revenue into through capabilities. this businesses play a generation complementary natural
consumer at businesses. look Let's our take and closer a enterprise
of remains of at concerns economic of to in X% resilient to to risk partners times is managing leading party to On Our This low over in of decade of at our see profile. a of improving American and excess products will target and we remains the positive on worsening credit remained unit to across end the cost and strong percentage X% critical our unit the throughout have environment. economics. experience a business The and a our and financed on consumer iterate, a was first attractive originations despite as economics share, times in consistent in driving division. saw our And operate very range expense QX, In we board of now an of performance towards we're testament Nevertheless, and we in excess innovate, our X% reflects times as QX. resilient economics our demand need. from gross manage line Consumer basis, ability Provision continued ensure warehouse both on scale. provision have must ability the a to performance. throughout of consumer take remain powering originations credit which behalf credit our of cycles. need to build, in strength well our times unit families us EBITDA capital continue side we we consumer in for net market
sum app our offering and of features more equal is and the a to delightful full it monetizable money To more anyone intended feature moments. consumer up, financial needs serve aha
a products is believe of suite in unrivaled have robust We we the that today. marketplace
card, two buy new membership, and with friends roundups, with such on discover early MoneyLion, help offering personal banking credit other roundups scores, credit with and adjacent purchases and to with Builder invest platform, help cash payments, cash paycheck content to Our recommendations, of send cover direct money investing consumers Rewards directly services personalized money our as our everyday with insights deposit investing ETF exclusive with monitoring or and capabilities, our our debit single advances and back loans offering and products and roundups credit unexpected scores search our off flexibility improve or both AI with management on day sell functionalities. powered credit include and managed first-party digital Credit and expenses, any and financial investing. stock offers, peer-to-peer to provide crypto to roundups
tax of access broad complement vehicle also finally, of of to repairs truly or driving to travel unlock we're We're hustle. and scores budget savings, third-party offering loans, earn programs well take a making a And and or our as hotel from suite a advantage a like with rent towards to frequent-flyer have sensitive auto to if all get more, variety savings as looking network a for offerings consumers. to cards, for products must include partners. telematic consumer home products categories selling high-yield or to into insurance, an product These cheaper progress credit buying expanded insurance, trip. finding offerings our of join our preparation, and rewards finding We American utilities. side a being We've car through on or upcoming
we infrastructure. Moving enterprise important provide marketing to business, the
the powers players marketplace finance. and traditional biggest Our in FinTech
to not macro the marketplace immune is environment. our First,
industry headwinds, unanticipated interest we continued we QX in rates to increasing Marketplace now products spends product QX, QX that remained weaknesses improved demand levels. to the for XXXX. our supply remained supplier to fact, from those increase financial and levels demand consumer marketing our end In year. institution robust for marketplace. faced positioned rebounds decidedly from revenue Despite on but below as beginning one on our of QX the financial in across saw growth first compared We're half partners of network modestly well normal reduced
of Regardless area an of the environment, our sales efforts been have strength.
new to continue win and enterprise and business opportunities existing We from partners. new target
a additional and deep We more LTV usage by our we is I enterprise business This higher fees. through that in partners generate these, intelligence talk and are insights. integrations, also will for provide From about which proprietary increased adoption seeing web product driving minute. analytics, services platform
a a one-to-many powerful and we point and engine financial a integration demand, As of products real-time, supply create service personalized for providing for network search. single
In with SaaS-based a development. enables is existing SaaS-based of partners. data already us our addition, benchmarking to to multiple reporting fees network. services value web and for enterprise services increase unlocking analytics great portion platform generating help and provide to of decisioning opportunity and revenue platform streams more and of a us suite for transaction-based This better off and with available launches to future unlike We're our our revenue in our clients
with consumers low providing connectivity sit acquire match channel a the right in relevant partners, able communities network of and product a channels, products provides and which partners customers to of through Over Product between at their are their middle financial to consumers. partners network intent product providers. partners of broad XXX cost. We high leverage the great product efficiently conversion
Rick will growing As services, have from recurring on of and update. this seen we a of deep integrations revenue value-added cohorts. more our our financial consistent result historical suite touch during
of our products, consumer in consumers products vast MoneyLion products first data the digestible power platform All and for through technology and to provides Underpinned finance, content and banking the data. easily by one, ultimate advice. of third embedded open match media a marketplaces, marketplace combines the with best and party
levels record result customers Our last spend ecosystem inherent effect in maintaining years. have while new quarterly the ability to the consistent over a marketing the in flywheel methodically acquire built is of two QX of we
expect As on increasingly shared we take our to iterate margins. look forward, data continue to we attractive and advantage incremental
pass like update. Rick With to for that, a CFO, it our off I'd financial Correia to
