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MoneyMe Ltd. (AU:MME)
ASX:MME
Australian Market
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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$0.00
▼(-100.00% 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.

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

MoneyMe Ltd. Business Overview & Revenue Model

Company DescriptionMoneyMe Ltd. (MME) is a technology-driven financial services company based in Australia, specializing in providing personal loans and financial solutions to consumers. The company operates in the fintech sector, leveraging innovative technology to streamline the lending process and enhance customer experience. MoneyMe offers a range of products including personal loans, car loans, and Buy Now Pay Later (BNPL) services, positioning itself as a convenient and flexible financial partner for its customers.
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
Negative
Last Price0.10
Price Trends
50DMA
0.12
Negative
100DMA
0.13
Negative
200DMA
0.14
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
43.43
Neutral
STOCH
-33.33
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 0.1 is below the 20-day moving average (MA) of 0.11, below the 50-day MA of 0.12, and below the 200-day MA of 0.14, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 43.43 is Neutral, neither overbought nor oversold. The STOCH value of -33.33 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

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$237.74M9.4471.90%22.94%
67
Neutral
€97.81M17.3815.56%7.92%
58
Neutral
AU$104.14M15.2012.72%-0.51%
42
Neutral
AU$47.85M-6.54-19.44%-2.35%13.33%
42
Neutral
AU$89.11M-1.32-42.59%-9.56%-392.31%
38
Underperform
AU$34.60M-9.58-26.29%8.28%84.45%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:MME
MoneyMe Ltd.
0.11
>-0.01
-4.55%
AU:HMY
Harmoney Corp Ltd
0.90
0.51
130.77%
AU:WZR
Wisr Ltd.
0.03
<0.01
9.68%
AU:BTN
Butn Limited
0.09
0.03
42.86%
AU:PNC
Pioneer Credit Ltd
0.67
0.06
9.02%
AU:PLT
Plenti Group Ltd.
1.28
0.56
77.78%

MoneyMe Ltd. Corporate Events

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

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.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Releases 2025 Sustainability Report, Preparing for Future Standards
Aug 29, 2025

MoneyMe Ltd. has released its 2025 Sustainability Report, highlighting its ongoing efforts and commitment to sustainability across various domains, including governance, environment, employees, community, and customers. The report outlines the company’s preparation to comply with the Australian Sustainability Reporting Standards by 2027, indicating a proactive approach to integrating sustainability into its operations, which may enhance its industry positioning and stakeholder relations.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Releases Corporate Governance Statement for FY2025
Aug 28, 2025

MoneyMe Ltd. has released its corporate governance statement for the financial year ending June 30, 2025, which is available on their website. The statement confirms the company’s adherence to the ASX Corporate Governance Council’s principles and recommendations, highlighting its commitment to transparency and accountability. This announcement underscores MoneyMe’s dedication to maintaining robust governance practices, which is crucial for its stakeholders and enhances its credibility in the financial services industry.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Unveils FY25 Results, Reinforces Modern Lending Approach
Aug 28, 2025

MoneyMe Ltd. has announced its FY25 results, showcasing its commitment to modernizing lending practices through smart technology. The company emphasizes speed and efficiency in its services, such as near real-time credit decisioning and quick loan settlements, which enhance customer satisfaction and strengthen its position as a challenger in the financial services industry.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Ltd. Reports Strong FY25 Growth and Strategic Advancements
Aug 28, 2025

MoneyMe Ltd. reported a 28% increase in its loan book to $1.6 billion for FY25, with loan originations up by 54%. The company achieved a positive operating cash profit of $24 million, supported by a one-off cash benefit, and reduced net credit losses to 3.4% due to a shift towards higher credit quality and secured assets. MoneyMe’s capital structure is positioned for long-term growth, with new corporate facilities and asset-backed securitization transactions reducing funding costs. The company also advanced its AI capabilities and expanded its product offerings, maintaining high customer satisfaction and strong ESG performance.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MoneyMe Reports Significant Financial Downturn in 2025
Aug 28, 2025

MoneyMe Limited reported a significant downturn in its financial performance for the year ended June 30, 2025, with gross revenue declining by 2.9% and a net loss of $66.6 million compared to a profit of $22.7 million in the previous year. The company’s earnings per share also dropped sharply, and no dividends were declared, highlighting a challenging period for the company and its stakeholders.

The most recent analyst rating on (AU:MME) stock is a Buy with a A$0.21 price target. To see the full list of analyst forecasts on MoneyMe Ltd. stock, see the AU:MME Stock Forecast page.

MONEYME Announces Director Resignation and Interim Appointments
Aug 5, 2025

MONEYME Limited announced the resignation of Rachel Gatehouse from her role as a non-executive director, effective 5 August 2025. To maintain compliance with ASX’s Corporate Governance Principles, Dave Taylor has been appointed as interim Chair of the Audit & Risk Management Committee, and Jamie McPhee as an interim member, while the company seeks a successor.

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. Exceeds Q4 Expectations with Strong Growth and Strategic Advancements
Jul 31, 2025

MoneyMe Ltd. reported a strong fourth quarter for FY25, surpassing its expected operating cash profit by 20% with a total of $24 million. The company saw a 28% increase in its loan book, reaching $1.6 billion, and a 37% rise in loan originations, driven by high credit quality car finance and personal loans. Revenue for the quarter was $55 million, reflecting stable growth and improved credit performance with net credit losses reduced to 3.4%. MoneyMe also achieved significant milestones, including gaining Mastercard principal issuer status and partnering with Episode Six to enhance its credit card infrastructure. These developments, along with a completed $200 million ABS deal, are expected to strengthen MoneyMe’s market position and operational efficiency.

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.

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