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MoneyMe Ltd. (AU:MME)
ASX:MME
Australian Market

MoneyMe Ltd. (MME) AI Stock Analysis

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AU:MME

MoneyMe Ltd.

(Sydney:MME)

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Neutral 42 (OpenAI - 4o)
Rating:42Neutral
Price Target:
AU$0.12
▼(-4.17% Downside)
MoneyMe Ltd.'s overall stock score is primarily impacted by its poor financial performance, characterized by declining revenues and high leverage. The technical analysis suggests a bearish trend, while the valuation is unattractive due to negative profitability. These factors collectively contribute to a low overall score.
Positive Factors
Digital Platform Efficiency
MoneyMe's proprietary digital platform allows for efficient loan processing, which supports competitive interest rates and flexible terms, enhancing customer satisfaction and retention.
Data Analytics Utilization
By utilizing data analytics, MoneyMe can reduce default rates and improve profitability, which is crucial for long-term sustainability in the competitive lending market.
Strategic Partnerships
Partnerships help MoneyMe increase transaction volumes and reach new customers, providing a durable competitive advantage in expanding its market presence.
Negative Factors
High Leverage
High leverage indicates significant financial risk, limiting the company's ability to invest in growth opportunities and increasing vulnerability to market volatility.
Declining Revenue
A sharp decline in revenue suggests challenges in maintaining market share and customer demand, posing risks to long-term financial health and operational stability.
Negative Cash Flow Growth
Negative cash flow growth indicates difficulties in generating sufficient cash to cover operational needs, potentially impacting the company's ability to sustain operations and invest in future growth.

MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)

MoneyMe Ltd. Business Overview & Revenue Model

Company DescriptionMoneyMe 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 MoneyMoneyMe generates revenue primarily through interest income from the loans it provides to customers. The company earns interest on the principal amount of loans over the term of the loan agreement. Additionally, MoneyMe may charge establishment fees, late fees, and other associated charges, which contribute to its overall revenue. The company also has potential revenue streams from partnerships with other financial institutions and businesses that may involve referral fees or co-branded financial products. By utilizing advanced technology and data analytics, MoneyMe optimizes its lending processes and risk management, enhancing profitability while expanding its customer base.

MoneyMe Ltd. Financial Statement Overview

Summary
MoneyMe Ltd. is facing significant financial challenges, with declining revenues, high leverage, and cash flow constraints. The company's financial health is under pressure, with potential risks arising from its high debt levels and negative profitability metrics.
Income Statement
30
Negative
MoneyMe Ltd. has experienced a significant decline in revenue, with a negative growth rate of -105.11% in the latest period. The company also reported negative EBIT and net income margins, indicating operational challenges and profitability issues. Despite a positive EBITDA margin in the previous year, the current figures reflect financial distress.
Balance Sheet
40
Negative
The balance sheet shows a high debt-to-equity ratio of 12.38, indicating significant leverage and potential financial risk. The equity ratio is relatively low, suggesting limited equity buffer. These factors highlight the company's reliance on debt financing, which could pose risks in a volatile market environment.
Cash Flow
45
Neutral
Cash flow analysis reveals a negative free cash flow growth rate of -125.04%, indicating cash flow challenges. However, the operating cash flow to net income ratio is positive, suggesting some operational cash generation capability. The free cash flow to net income ratio is close to 1, indicating efficient cash conversion from earnings.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue-5.75M-5.75M214.15M238.88M143.07M57.07M
Gross Profit-5.75M-5.75M207.13M221.60M138.54M55.38M
EBITDA47.72M47.79M121.81M113.26M-7.05M3.45M
Net Income-66.61M-66.61M22.73M12.29M-50.36M-7.93M
Balance Sheet
Total Assets1.66B1.66B1.37B1.29B1.47B345.97M
Cash, Cash Equivalents and Short-Term Investments54.09M54.09M73.63M91.71M80.67M26.16M
Total Debt1.52B1.52B1.17B1.12B1.36B301.29M
Total Liabilities1.53B1.53B1.18B1.13B1.38B305.74M
Stockholders Equity122.89M122.89M189.89M166.06M91.28M40.24M
Cash Flow
Free Cash Flow62.79M62.79M-55.69M199.82M64.96M27.60M
Operating Cash Flow63.01M63.01M-50.78M208.39M68.82M30.15M
Investing Cash Flow-429.35M-429.35M-4.91M-8.56M-689.09M-224.99M
Financing Cash Flow346.80M346.80M37.61M-188.78M674.78M185.63M

MoneyMe Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.12
Price Trends
50DMA
0.11
Positive
100DMA
0.12
Negative
200DMA
0.13
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
54.73
Neutral
STOCH
83.33
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MME, the sentiment is Positive. The current price of 0.12 is above the 20-day moving average (MA) of 0.12, above the 50-day MA of 0.11, and below the 200-day MA of 0.13, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 54.73 is Neutral, neither overbought nor oversold. The STOCH value of 83.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:MME.

MoneyMe Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
AU$202.35M5.7795.31%19.38%
58
Neutral
AU$90.53M16.0815.56%7.92%
52
Neutral
AU$103.35M15.0812.72%-0.51%
42
Neutral
AU$52.76M-5.77-19.44%-2.35%13.33%
42
Neutral
AU$93.22M-1.38-42.59%-9.56%-392.31%
38
Underperform
AU$30.57M-8.42-26.29%8.28%84.45%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:MME
MoneyMe Ltd.
0.12
-0.06
-33.33%
AU:HMY
Harmoney Corp Ltd
0.87
0.48
120.25%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:BTN
Butn Limited
0.08
0.00
0.00%
AU:PNC
Pioneer Credit Ltd
0.65
0.11
20.37%
AU:PLT
Plenti Group Ltd.
1.12
0.45
67.16%

MoneyMe Ltd. Corporate Events

MoneyMe Ltd. Announces Quotation of New Securities on ASX
Dec 1, 2025

MoneyMe Ltd. announced the application for the quotation of 543,250 ordinary fully paid securities on the Australian Securities Exchange (ASX), following the exercise of options or conversion of other securities. This move is part of the company’s strategy to enhance its market presence and provide liquidity to its stakeholders, potentially impacting its financial standing and investor relations positively.

MONEYME Executes $455.4 Million Auto Loan Securitisation Deal
Nov 21, 2025

MONEYME has successfully executed a $455.4 million auto asset-backed securities transaction with the MME Autopay ABS 2025-1 Trust, marking its second public capital markets transaction for FY26. This deal, arranged by Deutsche Bank with joint lead managers JP Morgan and Westpac, reflects MONEYME’s growing loan book and strong portfolio performance. The transaction, which includes notes rated AAA by Fitch Ratings and S&P Global, is expected to improve capital efficiencies and reduce funding costs, reinforcing MONEYME’s position as a programmatic issuer in both personal and auto loan asset classes.

MoneyMe Ltd. Announces AGM Results, Highlights Governance Decisions
Nov 20, 2025

MoneyMe Ltd. held its 2025 Annual General Meeting where all resolutions, except for the withdrawn Resolution 3 regarding future securities under the Employee Equity Incentive Plan, were carried out successfully. The meeting saw the approval of the remuneration report and the re-election of Mr. Scott Emery as a director, while the proposal to renew proportional takeover provisions in the company’s constitution was not carried. These outcomes reflect the company’s ongoing governance and strategic decisions impacting its operational and market positioning.

MoneyMe Ltd. Hosts 2025 AGM, Outlines Strategic Direction
Nov 20, 2025

MoneyMe Ltd. held its 2025 Annual General Meeting at the Paradox Hotel in Sydney, where the Chair and CEO addressed the attendees. The meeting, which confirmed a quorum, included discussions on the company’s current operations and strategic direction. This event is significant for stakeholders as it provides insights into MoneyMe’s future plans and its positioning within the financial services industry.

MONEYME Withdraws AGM Resolution on Employee Equity Plan
Nov 19, 2025

MONEYME Limited has announced the withdrawal of Resolution 3 from its upcoming Annual General Meeting agenda. This resolution pertained to the approval of future securities issuance under the Employee Equity Incentive Plan. The company has decided to utilize the approval from the 2024 AGM and the existing placement capacity under ASX Listing Rule 7.1 for issuing securities to employees, excluding the Managing Director and CEO, over the next 12 months. This decision reflects a strategic approach to managing its equity plans without seeking additional approval this year.

MoneyMe Ltd. Announces Quotation of Over 10 Million Securities on ASX
Nov 3, 2025

MoneyMe Ltd. announced the quotation of 10,026,407 fully paid ordinary securities on the ASX, effective from October 29, 2025. This move signifies the company’s strategic efforts to enhance its capital structure and market presence, potentially impacting its operational capabilities and offering increased value to its stakeholders.

MoneyMe Ltd. Reports Strong Q1 2026 Growth and Expands Product Offerings
Oct 27, 2025

MoneyMe Ltd. reported strong financial performance in the first quarter of 2026, with a significant increase in loan originations and a 26% growth in its loan book to $1.65 billion. The company’s gross revenue rose by 15% to $58 million, driven by high-quality, predominantly secured assets. MoneyMe has also made strides in product and technology developments, including the launch of Autopay for private car sales and enhancements to its risk-based pricing models. These efforts have led to improved credit metrics, such as a reduction in net credit losses and an increase in average credit scores. The company’s strategic focus on sustainable returns and operating efficiency, supported by AI deployment, positions it well for future growth and expansion in the financial services market.

MoneyMe Ltd. Announces 2025 Annual General Meeting Details
Oct 17, 2025

MoneyMe Ltd. has announced its 2025 Annual General Meeting (AGM) scheduled for November 20, 2025, at the Paradox Hotel in Sydney. The meeting will be available as a physical event and through an audio webcast for those unable to attend in person. Shareholders are encouraged to vote and submit questions in advance, as participation via the webcast will not include voting or question capabilities. This announcement underscores MoneyMe’s commitment to engaging with its shareholders while promoting sustainable practices by encouraging electronic communication.

MoneyMe Ltd. Issues New Securities to Enhance Market Position
Oct 14, 2025

MoneyMe Ltd. has announced the issuance of 592,241 new ordinary fully paid securities, effective from September 22, 2025. This move signifies the conversion or payment up of unquoted equity securities, which could potentially impact the company’s capital structure and market positioning, offering new opportunities for stakeholders.

MoneyMe Updates Substantial Holders Disclosure
Oct 10, 2025

MoneyMe Ltd. has issued a revised disclosure of its substantial holders, updating the information previously provided in its 2025 Annual Report. The updated disclosure lists the substantial holders and their respective voting power, with Somers Limited and Associates holding the largest share at 22.05%. This revision does not affect any other part of the Annual Report, and it provides stakeholders with the latest insights into the company’s ownership structure.

MoneyMe Limited Announces Change in Director’s Interest
Sep 10, 2025

MoneyMe Limited announced a change in the director’s interest notice, specifically regarding Clayton Howes. The change involved the lapse and cancellation of 1,187,500 Performance Rights previously issued under the MoneyMe Employee Equity Incentive Plan. This adjustment in securities holdings reflects ongoing management of equity incentives and may impact the company’s stock structure and stakeholder interests.

MoneyMe Ltd. Schedules 2025 Annual General Meeting
Sep 10, 2025

MoneyMe Ltd. has announced that its 2025 Annual General Meeting (AGM) will take place on November 20, 2025. The company has also set October 2, 2025, as the deadline for director nominations for the AGM. This announcement is part of the company’s ongoing governance and operational planning, ensuring transparency and stakeholder engagement in its leadership processes.

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.Date of analysis: Oct 28, 2025