MoneyMe Ltd. (AU:MME)
ASX:MME
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MoneyMe Ltd.
(Sydney:MME)
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Rating:43Neutral
Price Target:
AU$0.08
▼(-32.50% Downside)
Action:Reiterated
Date:02/10/26
The score is primarily weighed down by weak financial performance (sharp revenue decline, negative profitability, and very high leverage), with technicals also showing a soft trend (below moving averages and negative MACD). Valuation is constrained by a negative P/E and no stated dividend yield.
Positive Factors
Digital, technology-led lending platform
A technology-led, fully digital origination and servicing platform is a durable competitive advantage: it lowers unit servicing costs, enables scalable customer acquisition and faster underwriting iterations, and supports product rollouts and automation over quarters.
Negative Factors
Very high leverage
Extremely high leverage materially increases funding and refinancing risk for a lender. It reduces balance sheet flexibility, raises sensitivity to interest-rate or funding shocks, and can force deleveraging that constrains new lending and strategic initiatives for multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Digital, technology-led lending platform
A technology-led, fully digital origination and servicing platform is a durable competitive advantage: it lowers unit servicing costs, enables scalable customer acquisition and faster underwriting iterations, and supports product rollouts and automation over quarters.
Read all positive factors
MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$68.27M
Dividend YieldN/A
Average Volume (3M)429.61K
Price to Earnings (P/E)―
Beta (1Y)1.22
Revenue Growth17.04%
EPS Growth-121.43%
CountryAU
Employees112
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.06
Shares Outstanding812,738,800
10 Day Avg. Volume440,743
30 Day Avg. Volume429,606
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.04
Price to Sales (P/S)-22.22
P/FCF Ratio2.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.02
Revenue Forecast (FY)AU$228.42M
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 ...
How the Company Makes Money
MoneyMe primarily makes money by originating consumer loans and earning income over the life of those loans. Its key revenue streams are: (1) Interest income: the interest charged to borrowers on personal loans and other credit products, which is ...
MoneyMe Ltd. Financial Statement Overview
Summary
Income Statement
30
Negative
Balance Sheet
40
Negative
Cash Flow
45
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 105.48M | -5.75M | 214.15M | 238.88M | 143.07M | 57.07M |
| Gross Profit | 82.08M | -5.75M | 207.13M | 221.60M | 138.54M | 55.38M |
| EBITDA | 67.22M | 47.79M | 121.81M | 113.26M | -7.05M | 3.45M |
| Net Income | -49.66M | -66.61M | 22.73M | 12.29M | -50.36M | -7.93M |
Balance Sheet | ||||||
| Total Assets | 1.89B | 1.66B | 1.37B | 1.29B | 1.47B | 345.97M |
| Cash, Cash Equivalents and Short-Term Investments | 101.44M | 54.09M | 73.63M | 91.71M | 80.67M | 26.16M |
| Total Debt | 1.78B | 1.52B | 1.17B | 1.12B | 1.36B | 301.29M |
| Total Liabilities | 1.79B | 1.53B | 1.18B | 1.13B | 1.38B | 305.74M |
| Stockholders Equity | 104.10M | 122.89M | 189.89M | 166.06M | 91.28M | 40.24M |
Cash Flow | ||||||
| Free Cash Flow | 283.22M | 62.79M | -55.69M | 199.82M | 64.96M | 27.60M |
| Operating Cash Flow | 283.40M | 63.01M | -50.78M | 208.39M | 68.82M | 30.15M |
| Investing Cash Flow | -661.05M | -429.35M | -4.91M | -8.56M | -689.09M | -224.99M |
| Financing Cash Flow | 382.10M | 346.80M | 37.61M | -188.78M | 674.78M | 185.63M |
MoneyMe Ltd. Technical Analysis
Negative
0.12
Price Trends
0.08
Negative
0.09
Negative
0.11
Negative
Market Momentum
>-0.01
Negative
47.15
Neutral
26.67
Neutral
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 0.12 is above the 20-day moving average (MA) of 0.08, above the 50-day MA of 0.08, and above the 200-day MA of 0.11, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.15 is Neutral, neither overbought nor oversold. The STOCH value of 26.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:MME.
MoneyMe Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | AU$83.77M | 8.81 | 23.96% | ― | 10.39% | ― | |
56 Neutral | AU$143.95M | 10.00 | 20.23% | ― | 20.39% | -42.91% | |
52 Neutral | AU$95.40M | 6.28 | 23.10% | ― | 7.36% | ― | |
43 Neutral | AU$68.27M | -1.36 | -43.76% | ― | 17.04% | -121.43% | |
41 Neutral | AU$38.77M | -3.62 | -26.13% | ― | 7.47% | 5.97% | |
38 Underperform | AU$6.48M | -1.35 | -36.66% | ― | 13.59% | 66.07% |
* Financial Sector Average
AU:MME
MoneyMe Ltd.
0.08
-0.06
-40.00%
AU:HMY
Harmoney Corp Ltd
0.81
0.23
38.46%
AU:WZR
Wisr Ltd.
0.02
>-0.01
-26.67%
AU:BTN
Butn Limited
0.02
-0.08
-83.00%
AU:PNC
Pioneer Credit Ltd
0.60
0.11
22.45%
AU:PLT
Plenti Group Ltd.
0.79
-0.09
-10.23%
MoneyMe Ltd. Corporate Events
MoneyMe hits scale with $1.90bn loan book and positive normalised profit in 3Q26
Apr 21, 2026
MoneyMe reported a strong third quarter to 31 March 2026, with loan originations rising 43% year on year to $325m and its loan book expanding to $1.90bn, a 29% increase on the prior corresponding period. Revenue grew 17% to $62m and improved credi...
MoneyMe cancels and lapses over 1.1 million performance rights
Apr 8, 2026
MoneyMe Ltd. has disclosed the cessation of 1,148,425 performance rights, according to its latest capital notification. The change affects two tranches of securities under code MMEAA.The company reported that 200,000 performance rights were cancel...
MoneyMe Director Scott Emery Increases Indirect Shareholding via Market Buy and Internal Transfer
Apr 1, 2026
MoneyMe Limited has disclosed changes in the indirect shareholdings of director Scott Emery, reflecting both an on-market purchase and an internal transfer among his associated entities. Emery’s total indirect interest increased by 1,000,000...
MoneyMe CEO Clayton Howes Boosts Indirect Shareholding Through Performance Rights Conversion
Mar 20, 2026
MoneyMe Limited has disclosed changes to the interests of its chief executive and director, Clayton Howes, detailing an increase in his indirect shareholdings and the conversion of performance rights into ordinary shares. Howes acquired 34,015 ord...
MoneyMe Director David Taylor Sells Entire Direct Shareholding
Mar 20, 2026
MoneyMe Limited has disclosed that director David Taylor has sold his entire direct holding of 34,015 ordinary shares in an off-market trade. The transaction, completed on 16 March 2026 for total consideration of $3,231.43, leaves Taylor with no r...
MoneyMe lists 160,571 new ordinary shares on ASX
Mar 20, 2026
MoneyMe Ltd. has applied for quotation on the ASX of 160,571 new fully paid ordinary shares, to be traded under its existing ticker MME. The new shares were issued on March 18, 2026, following the exercise or conversion of options or other convert...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.