MoneyMe Ltd. (AU:MME)
ASX:MME
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MoneyMe Ltd.
(Sydney:MME)
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Select Model
Rating:43Neutral
Price Target:
AU$0.08
▼(-35.00% Downside)
Action:ReiteratedDate: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 origination and partnerships
A technology-first, digital origination model with third-party distribution is a durable competitive advantage: it lowers marginal customer acquisition costs, enables scalable underwriting automation, and supports embedded finance and partner-driven growth, sustaining revenue potential as digital adoption continues.
Negative Factors
Very high leverage
Debt-to-equity of 12.38 is a material structural weakness: it increases interest burden, magnifies refinancing and liquidity risk, limits strategic flexibility, and makes the company vulnerable to credit market shifts and higher rates across a 2–6 month horizon without decisive deleveraging or equity support.
Read all positive and negative factors
Positive Factors
Negative Factors
Digital origination and partnerships
A technology-first, digital origination model with third-party distribution is a durable competitive advantage: it lowers marginal customer acquisition costs, enables scalable underwriting automation, and supports embedded finance and partner-driven growth, sustaining revenue potential as digital adoption continues.
Read all positive factors
MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$65.83M
Dividend YieldN/A
Average Volume (3M)429.61K
Price to Earnings (P/E)―
Beta (1Y)1.23
Revenue Growth-9.56%
EPS Growth-392.31%
CountryAU
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
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 Target
AU$0.21Price Target Upside75.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)-0.02
Revenue Forecast (FY)AU$230.03M
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 generates revenue from its consumer lending activities. Key revenue streams typically include: (1) interest income earned on outstanding loan and credit balances (e.g., personal loans and revolving credit facilities), which is th...
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
0.10
Negative
0.11
Negative
0.12
Negative
Market Momentum
>-0.01
Positive
28.47
Positive
22.19
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 0.09, above the 50-day MA of 0.10, and above the 200-day MA of 0.12, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 28.47 is Positive, neither overbought nor oversold. The STOCH value of 22.19 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% | |
64 Neutral | AU$146.68M | 6.29 | 72.15% | ― | 19.38% | ― | |
58 Neutral | AU$80.64M | 3.91 | 24.31% | ― | 7.92% | ― | |
52 Neutral | AU$94.60M | 2.59 | 23.10% | ― | -0.51% | ― | |
44 Neutral | AU$35.23M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$65.83M | -1.10 | -43.76% | ― | -9.56% | -392.31% | |
40 Underperform | AU$15.30M | -3.94 | -36.66% | ― | 8.28% | 84.45% |
* Financial Sector Average
AU:MME
MoneyMe Ltd.
0.08
-0.05
-40.00%
AU:HMY
Harmoney Corp Ltd
0.78
0.32
68.48%
AU:WZR
Wisr Ltd.
0.02
>-0.01
-33.33%
AU:BTN
Butn Limited
0.04
-0.06
-60.00%
AU:PNC
Pioneer Credit Ltd
0.60
0.18
41.67%
AU:PLT
Plenti Group Ltd.
0.81
-0.01
-1.83%
MoneyMe Ltd. Corporate Events
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...
MoneyMe Director Scott Emery Increases Indirect Shareholding via On-Market Purchase
Feb 27, 2026
MoneyMe Limited has disclosed a change in the indirect shareholding of director Scott Emery, detailing an on-market purchase of additional ordinary shares. The acquisition increases Emery’s indirect interests to 100,341,250 ordinary shares a...
MoneyMe seeks ASX quotation for new share issuance
Feb 25, 2026
MoneyMe Limited has applied to the ASX for quotation of 121,250 new ordinary fully paid shares, issued on 25 February 2026. The modest share issuance, arising from the exercise or conversion of existing securities, slightly enlarges the company...
MoneyMe Lifts Revenue and Loan Book as Credit Quality and Funding Base Strengthen
Jan 29, 2026
MoneyMe reported strong second-quarter trading for the period to 31 December 2025, with its loan book expanding 26% year-on-year to $1.75bn, quarterly gross revenue up 19% to $60m, and loan originations rising 18% to $275m. Credit performance impr...
MoneyMe Strikes Exclusive Co-Branded Credit Card Deal With Luxury Escapes
Jan 27, 2026
MoneyMe has signed a long-term agreement to become the exclusive issuer of Luxury Escapes-branded credit cards in Australia, marking a strategic push into the underserved co-branded card segment. Under the partnership, MoneyMe will handle end-to-e...
MoneyMe Seeks ASX Quotation for Over 1.09 Million New Shares
Jan 12, 2026
MoneyMe Ltd has applied to the ASX for quotation of 1,092,622 new ordinary fully paid shares, following the issue of these securities on 9 January 2026. The additional shares, arising from the exercise or conversion of existing options or other co...
MoneyMe Issues 438,848 New Shares Following Conversion of Unquoted Securities
Jan 12, 2026
MoneyMe Limited has notified the market of the issue of 438,848 new ordinary fully paid shares following the exercise or conversion of previously unquoted securities, with an effective issue date of 7 October 2025. The additional shares modestly e...
MoneyMe Cancels and Allows Lapse of Over 8.2 Million Performance Rights
Jan 12, 2026
MoneyMe Limited has reported the cessation of a total of 8,278,091 performance rights on issue, comprising 1,982,764 rights cancelled by agreement with the holders and a further 6,295,327 rights that lapsed after the relevant conditions were not, ...
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.