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    SE
    Earnings call· Jun 2025(Q2 FY25)

    Sea Ltd SE

    Aug 12, 2025 Source

    Executive summary

    Sea Limited Q2 FY25 — Robust Growth Across All Businesses, Garena Guidance Raised

    Sea Limited delivered a strong Q2 FY25, with all three segments—Shopee, Monee, and Garena—achieving robust growth and improved profitability. The company raised its full-year bookings guidance for Garena, driven by Free Fire's performance, and continues to prioritize profitable growth while expanding market share. Management emphasized disciplined cost efficiency and a strong balance sheet.

    Highlights

    5
    • Shopee's GMV grew 25% year-on-year in the first half, with Q2 delivering record-breaking quarter-on-quarter growth in gross order volume, GMV, and revenue.

    • Monee's loan book grew over 90% year-on-year to reach $6.9 billion, maintaining a healthy 90-day NPL ratio of 1.0%.

    • Garena's bookings were up 23% year-on-year, and full-year bookings guidance was raised to grow more than 30% year-on-year.

    • Company-wide adjusted EBITDA reached $829 million in Q2 FY25, compared to $448 million in Q2 FY24.

    • Shopee achieved profitability improvement across Asia and Brazil, with e-commerce adjusted EBITDA of $228 million compared to a loss of $9 million in Q2 FY24.

    Concerns

    2
    • Competitive actions in Brazil e-commerce

    • Seasonality impacting EBITDA margins

    Guidance & targets

    2
    CategoryTargetConfidence
    Garena Full Year Bookings Growth
    more than 30% year-on-year
    high materiality
    High
    Shopee Q3 Growth Momentum
    around similar growth rate as we observed in the first half of the year
    medium materiality
    Medium

    Segment performance

    4
    SegmentRevenueYoYQoQMargin
    Sea Overall
    Total GAAP revenue increased, primarily driven by e-commerce GMV growth and digital financial services growth. Adjusted EBITDA significantly improved year-on-year.
    $5.3 billion38%$829 million Adjusted EBITDA
    E-commerce (Shopee)
    Achieved record-breaking quarter-on-quarter growth in key metrics. Strong monetization driven by ad tech and increased seller adoption. Significant profitability improvement year-on-year, turning from a loss to a profit. Brazil showed exceptional growth and profitability, driven by logistics and product expansion.
    Gross Orders: $3.3 billionGross Orders Growth YoY: 29%GMV: $29.8 billionGMV Growth YoY: 28%GAAP Marketplace Revenue: $3.3 billionGAAP Marketplace Revenue Growth YoY: 34%Core Marketplace Revenue: $2.6 billionCore Marketplace Revenue Growth YoY: 46%Value-added Services Revenue: $0.7 billionValue-added Services Revenue Growth YoY: 3%Number of sellers using ad products rose by around 20%Ad paying sellers' average quarterly ad spend grew by more than 40% year-on-yearUplift in Shopee purchase conversion rates: 8%Ad take rate improvement: almost 70 basis points year-on-yearOverall purchase frequency uplift: more than 10% year-on-yearBrazil average monthly active buyers rose by over 30% year-on-yearBrazil logistics cost per order down by 16%Brazil average delivery time reduced by more than 2 days year-on-yearBrazil Greater Sao Paulo: 1 in 4 Shopee parcels delivered next dayBrazil Greater Sao Paulo: 40% Shopee parcels delivered within 2 daysShopee VIP subscribers in market reached 2 million (end of June)GMV from VIP members in Indonesia grew nearly 50% quarter-on-quarterVIP members bought a monthly average of around 30% more after subscribingVIP members showed roughly 20% higher retention rate compared to nonmembersSoutheast Asia: orders from live streaming and short-form videos accounted for more than 20% of total physical goods order volumeYouTube videos featuring Shopee product links: 7 million (as of June), up more than 50% quarter-on-quarter
    $3.8 billionrecord-breaking quarter-on-quarter growth$228 million Adjusted EBITDA
    Digital Financial Services (Monee)
    Delivered very strong growth in revenue and adjusted EBITDA. Loan book expanded significantly while maintaining healthy asset quality. Diversified growth across multiple markets and products, with Malaysia reaching a significant milestone.
    Adjusted EBITDA Growth YoY: 55%Consumer and SME loans principal outstanding: $6.9 billionConsumer and SME loans principal outstanding Growth YoY: over 90%On-book loans principal outstanding: $5.9 billionOff-book loans principal outstanding: $0.9 billionNonperforming loans past due by more than 90 days: 1.0%Active users for consumer and SME loan products: Exceeded 30 millionActive users for consumer and SME loan products Growth YoY: more than 45%First-time borrowers added during the quarter: over 4 millionMalaysia loan book: Surpassed $1 billion (end of June)SPayLater GMV penetration: Mid-teens (market blended basis)Off-Shopee SPayLater portfolio (Malaysia) Growth QoQ: over 40%Off-Shopee SPayLater portfolio (Malaysia) as % of total SPayLater: more than 20%Personal cash loans outstanding Growth YoY: almost doubled
    $883 million70%$255 million Adjusted EBITDA
    Digital Entertainment (Garena)
    Continued strong growth momentum in bookings, revenue, and adjusted EBITDA. Free Fire sustained its massive global user base and saw exceptional response to new content and IP collaborations.
    Bookings: $661 millionBookings Growth YoY: 23%Adjusted EBITDA Growth YoY: 22%Free Fire average daily active users: more than 100 million
    $559 million28%$368 million Adjusted EBITDA

    Operational metrics

    23
    Shopee GMV growth
    25%YoY
    H1 FY25

    Overall GMV growth for the e-commerce segment in the first half of the fiscal year.

    Monee loan book growth
    90%YoY
    Q2 FY25

    Growth in consumer and SME loans principal outstanding.

    Garena bookings growth
    23%YoY
    Q2 FY25

    Growth in digital entertainment bookings.

    Shopee ad take rate improvement
    70YoY
    Q2 FY25

    Improvement in advertising take rate for Shopee.

    Shopee purchase conversion rate uplift
    8%
    Q2 FY25

    Uplift in purchase conversion rates due to tech enhancements.

    Shopee overall purchase frequency uplift
    10%YoY
    Q2 FY25

    Uplift in overall purchase frequency driven by price competitiveness.

    Shopee VIP subscribers
    2 million
    end of June

    Total VIP subscribers across markets where the program has been rolled out.

    Shopee VIP GMV growth
    50%QoQ
    Q2 FY25

    GMV growth from VIP members in Indonesia.

    Shopee VIP average monthly purchase increase
    30%
    monthly average

    Increase in monthly average purchases by VIP members after subscribing.

    Shopee VIP retention rate vs non-members
    20%
    Q2 FY25

    Retention rate of VIP members compared to non-members.

    Shopee Brazil average monthly active buyers growth
    30%YoY
    Q2 FY25

    Growth in average monthly active buyers in Brazil.

    Shopee Brazil logistics cost per order reduction
    16%
    Q2 FY25

    Reduction in logistics cost per order in Brazil.

    Shopee Brazil average delivery time reduction
    2 daysYoY
    Q2 FY25

    Reduction in average delivery time in Brazil.

    Shopee Southeast Asia orders from live streaming and short-form videos
    20%
    Q2 FY25

    Percentage of total physical goods order volume from live streaming and short-form videos.

    YouTube videos featuring Shopee product links
    7 millionup more than 50% QoQ
    as of June

    Total number of YouTube videos featuring Shopee product links.

    Monee active users for consumer and SME loans growth
    45%YoY
    Q2 FY25

    Growth in active users for consumer and SME loan products.

    Monee 90-day NPL ratio
    1.0%stable
    Q2 FY25

    Nonperforming loans past due by more than 90 days as a percentage of total consumer and SME loans.

    Monee Malaysia loan book
    $1 billion
    end of June

    Loan book size in Malaysia, reaching a significant milestone.

    Monee Off-Shopee SPayLater portfolio growth
    40%QoQ
    Q2 FY25

    Growth of the Off-Shopee SPayLater portfolio in Malaysia.

    Monee Off-Shopee SPayLater as % of total SPayLater
    20%
    end of June

    Percentage of total SPayLater portfolio accounted for by Off-Shopee SPayLater in Malaysia.

    Monee Personal cash loans outstanding growth
    almost doubledYoY
    Q2 FY25

    Growth in personal cash loans outstanding.

    Free Fire average daily active users
    100 million
    Q2 FY25

    Average daily active users for the Free Fire game.

    Ad take rate
    around 2%
    current

    Current advertising take rate for Shopee, stated to be well below peers.

    Industry KPIs

    3
    MetricValueDetails
    Paid members subscribers2 millionsubscribers
    Member quality and retention20%% higher
    Content spend title performanceBest-performing new map

    Product announcements

    8
    ProductTypeDetails
    Shopee 'Cheaper, Faster at Shopee' campaign sloganlaunch
    Shopee Instant Delivery optionsexpansion
    Shopee Intelligent Demand Forecastinglaunch
    Shopee VIP membership programexpansion
    Free Fire new map: Solaralaunch
    Free Fire new camera modelaunch
    Monee SPayLater integration with DuitNow QR networklaunch
    Monee SPayLater integration with PromptPay QR networklaunch

    Deals & partnerships

    4
    Netflix's Squid GameIP collaboration for Free Fire

    High-impact IP collaboration for Free Fire, extending anniversary celebration into July.

    Naruto Shippuden Chapter 2IP collaboration for Free Fire

    High-impact IP collaboration for Free Fire, extending anniversary celebration into July.

    YouTubeCollaboration for Shopee product links in videos

    Collaboration continued strong momentum, expanding reach of Shopee product links across Southeast Asian markets.

    External lendersSupport for lending funds in Brazil market

    Formed partnerships to support the growing lending funds in the Brazil market.

    Risks & headwinds

    2
    Competitive actions in Brazil e-commercePast few months

    Competitor reduced free shipping threshold; Temu and TikTok entering the market.

    Mitigation: Management states limited observed impact due to Shopee's strong cost structure (logistics), price competitiveness, and expanding seller base. Temu/TikTok are relatively smaller players due to tax structure and early stage.

    Seasonality impacting EBITDA marginsQuarter-to-quarter

    Fluctuation on EBITDA margin from Q4 last year to Q1 this year to Q2 this year.

    Mitigation: Management acknowledges seasonality (e.g., Ramadan/holiday shift impacting Q1/Q2) but expects the long-term trend of EBITDA margin improvement to continue.

    What to watch in Q3 FY25

    5

    Shopee GMV growth momentum

    Q3 FY25
    Current25% YoY in H1 FY25
    TargetSimilar growth rate as H1 FY25

    Why it matters

    Indicates continued market leadership and overall e-commerce segment health, validating management's confidence.

    Shopee's GMV grew 25% year-on-year in the first half, and we expect this growth momentum to carry into Q3.

    Q&A highlights

    5

    Given strong H1 GMV and expected Q3 momentum, will full-year guidance be raised? What is the competitive impact of rivals reducing free shipping thresholds and new entrants like Temu/TikTok in Brazil?

    Q3 momentum is expected to be similar to H1, implying full-year growth will be better than previously guided. In Brazil, the business is growing well despite competitor actions, due to a superior cost structure (especially logistics), price competitiveness, and expanding seller base. Temu and TikTok remain relatively small players in Brazil due to tax structures and early stages of operation, with no fundamental market structure changes observed.

    in Q3, likely to be around similar growth rate as we observed in the first half of the year as well. Obviously, if you take into consideration, the full year growth will be better than what we shared before.

    asked by Pang Vittayaamnuaykoon · answered by Hou Tianyu

    3 min read8 chapters

    Detailed Narrative

    01

    Shopee's Record-Breaking Performance and Monetization

    Shopee delivered a record-breaking Q2 FY25, building on strong Q1 momentum, with quarter-on-quarter growth in gross order volume, GMV, and revenue. This was driven by a sustained increase in active buyers and purchase frequency. Monetization improved significantly, largely due to strong growth in advertising revenue, with the number of sellers using ad products rising by 20% and average quarterly ad spend growing by over 40% year-on-year. Ad tech enhancements led to an 8% uplift in purchase conversion rates and a 70 basis points improvement in ad take rate year-on-year.

    02

    Logistics and Service Quality Enhancements

    The company reinforced its price competitive value proposition with the 'Cheaper, Faster at Shopee' campaign, resulting in a more than 10% year-on-year uplift in overall purchase frequency. Logistics capabilities were a key differentiator, reducing logistics cost per order and improving delivery speed across Asia and Brazil. New initiatives included instant delivery options (within 4 hours) rolled out in Indonesia, Vietnam, and Thailand, and intelligent demand forecasting to pre-ship products closer to buyer demand, enhancing service quality and cost efficiency.

    03

    Shopee VIP Membership Program Expansion

    The Shopee VIP membership program, a paid subscription service, showed strong momentum in Indonesia, with total GMV from VIP members growing nearly 50% quarter-on-quarter. VIP members bought 30% more monthly and showed a 20% higher retention rate compared to nonmembers. Building on this success, the program expanded to Thailand and Vietnam, reaching 2 million total VIP subscribers by the end of June, with plans for further market rollout.

    04

    Brazil Market Leadership and Profitability

    Shopee continued to deliver exceptional growth in Brazil while maintaining positive adjusted EBITDA. Average monthly active buyers rose by over 30% year-on-year. This growth was underpinned by significant logistics improvements, including a 16% reduction in logistics cost per order and a two-day reduction in average delivery time. The platform also expanded its product selection by adding over 100 well-known brands, especially in higher-value categories, leading to increased average basket sizes and effective expansion into urban and more affluent user segments.

    05

    Monee's Loan Book Growth and Asset Quality

    Monee had another very strong quarter, with both revenue and adjusted EBITDA growing over 50% year-on-year. The loan book expanded over 90% year-on-year to $6.9 billion, driven by an expanding user base and wider product range. The 90-day NPL ratio remained healthy at 1.0%. Active users for consumer and SME loan products exceeded 30 million, growing over 45% year-on-year. Malaysia's loan book surpassed $1 billion, becoming the third market to reach this milestone after Indonesia and Thailand, showcasing diversified growth and improved ability to weather local economic cycles.

    06

    Garena's Strong Momentum and Free Fire Success

    Garena continued its strong growth momentum with bookings up 23% and adjusted EBITDA up 22% year-on-year. Free Fire remained central to this performance, sustaining a massive global user base of over 100 million average daily active users. The successful launch of the new 'Solara' map for Free Fire's 8th anniversary was well-received, becoming the best-performing new map. IP collaborations with Netflix's Squid Game and Naruto Shippuden Chapter 2 further boosted engagement, leading to a raised full-year bookings guidance of over 30% growth.

    07

    AI Integration Across Businesses

    Sea Limited is leveraging AI extensively to improve its businesses and internal operations. In e-commerce, AI enhances ad algorithms, traffic allocation, and content generation for sellers (AIGC for product descriptions and videos). For customer service, AI agents manage 80% of chatbot interactions and assist sellers. The company is also exploring AI's potential for new business expansions, particularly in the gaming industry, where AI is seen as a significant productivity enhancer for content development and a tool for creating more immersive and interactive player experiences.

    08

    Strategic Focus on Profitable Growth

    The company reiterated its commitment to prioritizing growth while improving profitability, noting that all three businesses have been EBITDA positive since the second half of last year and are accumulating cash each quarter. This disciplined and cost-efficient approach, combined with a strong balance sheet, enables Sea Limited to capture future opportunities and maximize long-term profitability by expanding its addressable market and capturing more market share.

    AI-generated summary of the company’s earnings call. Not investment advice.