MoneyMe Ltd. (MME) AI Stock Analysis

• Market Cap: AU$112.01M
• Dividend Yield: N/A
• Average Volume (3M): 264.37K
• Price to Earnings (P/E): 7.2
• Beta (1Y): 1.23
• Revenue Growth: -14.61%
• EPS Growth: -325.81%
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): -0.04
• Shares Outstanding: 800,078,500
• 10 Day Avg. Volume: 194,543
• 30 Day Avg. Volume: 264,370
• PEG Ratio: 0.03
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.46
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$0.21
• Price Target Upside: 50.00% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 53 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

MoneyMe Ltd.'s stock score is primarily influenced by its significant financial performance concerns, including declining revenue, cash flow challenges, and high leverage, which overshadow its strong profitability margins. The technical analysis provides a neutral outlook, while the negative P/E ratio highlights valuation concerns. These factors combined suggest a cautious approach to the stock.

MoneyMe Ltd. Business Overview & Revenue Model

Company Description

MoneyMe Limited, a digital financial service company, provides consumer finance under the MONEYME and SocietyOne brands in Australia. It offers personal, cash, quick, express, and short-term loans, as well as cash advances; and line of credit and credit cards. The company was founded in 2013 and is based in Sydney, Australia.

How the Company Makes Money

MoneyMe Ltd. generates revenue primarily through the interest and fees associated with its credit products. The company's digital platform enables it to efficiently underwrite and disburse loans, allowing for competitive interest rates and flexible repayment terms. Key revenue streams include interest income from personal loans, fees from credit card transactions, and merchant fees from buy now, pay later services. Additionally, MoneyMe leverages data analytics to optimize its lending decisions, reduce default rates, and enhance profitability. Strategic partnerships with retailers and financial institutions also play a significant role in expanding its customer base and increasing transaction volumes.

MoneyMe Ltd. Financial Statement Overview

Summary

MoneyMe Ltd. demonstrates strong profitability margins with a high EBITDA margin of 170.36%. However, significant revenue decline (-70.08%) and cash flow challenges with a negative free cash flow growth rate (-127.87%) indicate potential liquidity issues. Additionally, a high debt-to-equity ratio (6.16) raises concerns about financial stability.

Income Statement

MoneyMe Ltd. showed a gross profit margin of 28.97% and a net profit margin of 31.79% for the recent year, indicating strong profitability relative to its revenue. However, the revenue decreased significantly from the previous year, with a revenue growth rate of -70.08%, which is concerning. The EBIT margin is 26.03%, and the EBITDA margin is quite high at 170.36%, suggesting operational efficiency. The substantial decline in revenue raises concerns about future growth prospects.

Balance Sheet

The company's debt-to-equity ratio is high at 6.16, indicating significant leverage, which could pose financial risks. Return on equity (ROE) is 11.97%, reflecting moderate profitability relative to shareholders' equity. The equity ratio stands at 13.89%, suggesting a low proportion of equity financing, which may increase financial vulnerability. Overall, the balance sheet shows high leverage and relatively low equity, posing potential risks.

Cash Flow

Free cash flow has declined dramatically, with a negative growth rate of -127.87%. The operating cash flow to net income ratio is -2.23, indicating cash flow challenges in covering net income. The free cash flow to net income ratio is -2.45, showing that free cash flow is insufficient to cover net income. These factors suggest cash flow instability and potential liquidity issues.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	214.15M	238.88M	143.07M	57.07M	47.27M
Gross Profit	207.13M	221.60M	138.54M	55.38M	46.29M
EBITDA	121.81M	180.97M	-7.05M	31.70M	29.19M
Net Income	22.73M	12.29M	-50.36M	-7.93M	1.30M
Balance Sheet
Total Assets	1.37B	1.29B	1.47B	345.97M	166.60M
Cash, Cash Equivalents and Short-Term Investments	73.63M	91.71M	80.67M	26.16M	35.38M
Total Debt	1.17B	1.12B	1.36B	301.29M	115.25M
Total Liabilities	1.18B	1.13B	1.38B	305.74M	119.75M
Stockholders Equity	189.89M	166.06M	91.28M	40.24M	46.85M
Cash Flow
Free Cash Flow	-55.69M	199.82M	64.96M	27.60M	15.45M
Operating Cash Flow	-50.78M	208.39M	68.82M	30.15M	18.24M
Investing Cash Flow	-4.91M	-8.56M	-689.09M	-224.99M	-61.18M
Financing Cash Flow	37.61M	-188.78M	674.78M	185.63M	72.26M

MoneyMe Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.14
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MME, the sentiment is Negative. The current price of 0.14 is below the 20-day moving average (MA) of 0.15, below the 50-day MA of 0.14, and below the 200-day MA of 0.15, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 45.52 is Neutral, neither overbought nor oversold. The STOCH value of 19.44 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:MME.

MoneyMe Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLT	77 Outperform	AU$168.76M	6.77	71.90%	―	22.94%	―
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
MME	53 Neutral	AU$112.01M	7.17	-13.74%	―	-14.61%	-325.81%
6DR	―	€34.73M	―	-26.78%	―	―	―
PNC	50 Neutral	AU$82.68M	―	-16.83%	―	-2.45%	-639.57%
BTN	47 Neutral	AU$38.41M	―	-85.47%	―	4.91%	-29.86%
WZR	46 Neutral	AU$39.06M	―	-20.13%	―	-5.95%	-9.84%

MoneyMe Ltd. Corporate Events

MoneyMe Ltd. Announces FY25 Financial Results Release

MoneyMe Ltd. has announced the release of its 2025 Financial Year Annual Report, which will cover the 12 months ending on June 30, 2025. The report will be made public on August 28, 2025, and will be followed by a webcast briefing hosted by Managing Director and CEO Clayton Howes, along with CFO David Wright. This announcement is significant as it provides stakeholders with insights into the company’s financial performance over the past year.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MONEYME Executes $202.75 Million ABS Deal in Personal Loan Sector

MONEYME has successfully executed a $202.75 million asset-backed securities deal in the personal loan sector, marking its first ABS transaction for FY26. This transaction, arranged by Westpac with Deutsche Bank AG and Natixis as Joint Lead Managers, features competitively priced Class A notes with a Fitch AAA (sf) rating, indicating strong credit quality. The high demand for these notes, from both existing and new investors, reflects MONEYME’s growth and strong credit performance, enhancing capital efficiency and fostering long-term investor relationships.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Issues Performance Rights to Boost Employee Incentives

MoneyMe Ltd. has announced the issuance of 30,874,545 performance rights as part of an employee incentive scheme. These unquoted securities are intended to motivate and retain key personnel, potentially impacting the company’s operational efficiency and competitive positioning in the financial services market.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Issues 2.85 Million Performance Rights

MoneyMe Ltd. announced the issuance of 2,850,000 unquoted performance rights, effective from October 2, 2024. This move is likely aimed at incentivizing and retaining key personnel, which could enhance the company’s operational performance and competitive positioning in the financial services sector.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Updates on CEO Performance Rights and Compliance Measures

MoneyMe Ltd. has issued new performance rights to its Managing Director and CEO, Clayton Howes, while also addressing an administrative oversight regarding the cancellation of previous performance rights that did not vest. The company has updated its internal processes to ensure compliance with ASX Listing Rules, demonstrating its commitment to maintaining transparency and proper governance practices.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

Change in Substantial Holder’s Interest at MoneyMe Ltd.

MoneyMe Ltd. has announced a change in the interests of its substantial holder, Somers Limited and Ingot Capital Investments Pty Ltd, as of May 30, 2025. The voting power of the substantial holder has decreased from 22.94% to 22.05%, indicating a reduction in their stake. This change in voting power may impact the company’s shareholder dynamics and influence over corporate decisions.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Director’s Shareholding Update

MoneyMe Ltd. has announced a change in the indirect interests of its director, Scott Emery, involving the transfer of 1,914,286 ordinary shares valued at $268,000.04. This off-market transfer was made from Emery Pty Ltd to Scott Emery Super Pty Ltd , maintaining the total number of shares held at 98,991,250. This adjustment in shareholding reflects internal financial management and does not alter the overall shareholding structure of the company.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Announces Change in Substantial Holder Interests

MoneyMe Ltd. has announced a change in the interests of a substantial holder, Regal Funds Management Pty Ltd and its associates, in the company’s voting securities. This change reflects an increase in the voting power and number of shares held by the substantial holder, impacting the company’s shareholder structure and potentially influencing future corporate decisions.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.22 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Reports 65% Increase in Loan Originations for Q3 2025

MoneyMe Ltd. reported a 65% increase in loan originations for the third quarter of 2025, with its loan book growing to $1.5 billion. The company maintained strong revenue at $53 million and a healthy net interest margin of 8%, despite a strategic shift towards secured lending. The refinancing and upscaling of its MME Horizon 2018 Warehouse Trust to $130 million supports growth in personal loans and credit cards, reducing the cost of funds. MoneyMe’s investment in generative AI is improving customer service, and the company is developing a new credit card product. The announcement emphasizes MoneyMe’s focus on expanding its product offerings and optimizing funding to enhance customer outcomes.