BREAKING $GRAB Q2 ER

-Revenue grew 23% year-over-year (“YoY”), or 19% on a constant currency basis, with YoY growth accelerating from the prior quarter, to $819 million in the second quarter of 2025, driven by growth across our On-Demand and Financial Services segments vs $810.59 million est

Group revenue growth accelerated to 23% YoY (19% on a constant currency basis) to reach another all-time high of $819 million in the quarter. On a segment level,

● Mobility revenue increased 19% YoY (17% YoY on a constant currency basis), driven by continued growth in Mobility MTUs, number of transactions and average order frequency;

● Deliveries revenue increased 23% YoY (18% YoY on a constant currency basis), driven by growth in Deliveries MTUs, number of transactions and higher contributions from our Advertising business; and

● Financial Services revenue increased 41% YoY (38% YoY on a constant currency basis), driven by growth in our lending businesses across GrabFin and our Digital Banks. From @AnthonyPY_Tan on Q2

Grab delivered another strong set of results in the second quarter with Group Monthly Transacting Users (“MTUs”) scaling to another all-time high. While at the same time, on-demand GMV re-accelerated to 21% year-on-year (“YoY”) or 18% YoY on a constant currency basis. These top-line trends, combined with our continued cost discipline, delivered our fourteenth consecutive quarter of Adjusted EBITDA growth, while trailing twelve months Adjusted Free Cash Flow expanded to $229 million. These results come from our strategy in harnessing product-and tech-led innovations to drive the ecosystem flywheel faster and to out-serve everyday entrepreneurs in Southeast Asia.

Growth continues to be demand-led, with On-Demand transactions outpacing GMV as we increase our focus on rolling out more affordable services and expanding the addressable market with more price-sensitive users. We also continued to scale up our Financial Services business prudently, with total loan disbursals across GrabFin and our Digital Banks reaching close to $3 billion on an annualized run-rate basis in the second quarter. At the same time, credit risks remained within our risk appetites

Despite the volatility in the macroeconomic environment, the product-led investments we continue to make to enhance the affordability and reliability of our services have further deepened user engagement and retention, and brought new users to the Grab ecosystem. Products launched several quarters ago, such as Saver, Priority Deliveries, and GrabUnlimited, have achieved strong product-market fit and scale, and have been instrumental in re-accelerating our growth rates. As we look ahead, features launched recently, such as those highlighted during our GrabX product day, while still nascent contributors today, will enable us to unlock the next growth stage.

We are also developing new technological solutions and leveraging Generative-AI to improve our value proposition to our users, drivers, and merchant partners. For instance, Grab’s AI Merchant Assistant has been critical in positioning ourselves as the partner of choice for Southeast Asia’s most loved merchants. The Grab AI Merchant Assistant leverages Large Language Models, combining their foundational knowledge with Grab-specific domain expertise and merchant-specific operational and transactional data. This provides merchant-partners with access to enterprise-grade insights, eliminating the need for deep technical know-how or substantial budgets. This product uplifts their earnings and productivity on Grab.

We are also leaning in on the Autonomous Vehicle opportunity. We continue to build new partnerships with more global Autonomous Vehicle partners, participate in more pilots to understand the operational conditions for different autonomous vehicle services, and be part of the regulators’ efforts to improve transport connectivity through autonomous technologies. Earlier this month, Grab, in collaboration with Autonomous A2Z (A2Z), a South Korean full-stack autonomous vehicle technology manufacturer, announced Singapore's first autonomous electric shuttle bus pilot. Through this initiative, we are evaluating the safety performance of autonomous technologies and exploring the potential new high-value job opportunities that this sector could create. In the Philippines, we have also announced that we are working with the Department of Information and Communications Technology (DICT), the Department of Transportation (DOTr), and property developer Megaworld Corporation to launch a pilot study on drone-powered commercial delivery.

Looking ahead to the second half of 2025, Grab remains well-positioned across Southeast Asia, with our investments solidifying our resilience in the face of potential macroeconomic uncertainties. We expect to sustain this top line growth momentum across our business as we drive new users to our platform, improve frequency, engagement and retention with our existing user base. We will also maintain discipline on costs to drive profitable growth and free cash flow generation.

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