MoneyMe Ltd. (MME) AI Stock Analysis

• Market Cap: AU$112.01M
• Dividend Yield: N/A
• Average Volume (3M): 243.48K
• Price to Earnings (P/E): 7.2
• Beta (1Y): 1.11
• Revenue Growth: -14.61%
• EPS Growth: -325.81%
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 83
• Industry: Financial - Credit Services
• EPS (TTM): -0.04
• Shares Outstanding: 800,078,500
• 10 Day Avg. Volume: 139,630
• 30 Day Avg. Volume: 243,482
• 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: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 54 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

MoneyMe Ltd. faces significant financial risks due to declining revenue and cash flow challenges, compounded by high leverage. While technical analysis shows mild upward momentum, valuation concerns due to negative earnings are significant. The score reflects a cautious stance, prioritizing financial risks and valuation concerns over technical indicators.

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 charged on its range of personal loan products. The company offers unsecured personal loans, credit lines, and other financial products with varying terms, catering to different customer needs. By utilizing an advanced digital platform, MoneyMe can streamline the loan application and approval process, thereby reducing operational costs and enhancing customer satisfaction. Additionally, the company may engage in strategic partnerships with financial institutions and other technology firms to expand its market reach and enhance its product offerings, further contributing to its revenue.

MoneyMe Ltd. Financial Statement Overview

Summary

MoneyMe Ltd. exhibits strong profitability margins with a gross profit margin of 28.97% and a net profit margin of 31.79%. However, it faces significant challenges with a revenue decline of 70.08% and cash flow instability, evidenced by a negative free cash flow growth rate of -127.87%. The high debt-to-equity ratio of 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
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
112.63M	214.15M	238.88M	143.07M	57.07M	47.27M
	Gross Profit
30.03M	207.13M	221.60M	138.54M	55.38M	46.29M
	EBIT
35.36M	103.84M	169.63M	81.73M	30.01M	28.20M
	EBITDA
60.33M	121.81M	180.97M	-7.05M	31.70M	29.19M
	Net Income Common Stockholders
-22.25M	22.73M	12.29M	-50.36M	-7.93M	1.30M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
96.99M	73.63M	91.71M	80.67M	26.16M	35.38M
	Total Assets
1.54B	1.37B	1.29B	1.47B	345.97M	166.60M
	Total Debt
1.38B	1.17B	1.12B	1.36B	301.29M	115.25M
	Net Debt
1.29B	1.10B	1.03B	1.28B	275.12M	79.87M
	Total Liabilities
1.39B	1.18B	1.13B	1.38B	305.74M	119.75M
	Stockholders Equity
150.87M	189.89M	166.06M	91.28M	40.24M	46.85M
Cash Flow		Free Cash Flow
-250.80M	-55.69M	199.82M	64.96M	27.60M	15.45M
	Operating Cash Flow
-250.64M	-50.78M	208.39M	68.82M	30.15M	18.24M
	Investing Cash Flow
-4.46M	-4.91M	-8.56M	-689.09M	-224.99M	-61.18M
	Financing Cash Flow
280.15M	37.61M	-188.78M	674.78M	185.63M	72.26M

MoneyMe Ltd. Technical Analysis

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

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MME, the sentiment is Neutral. The current price of 0.14 is below the 20-day moving average (MA) of 0.14, above the 50-day MA of 0.13, and below the 200-day MA of 0.15, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.14 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:MME.

MoneyMe Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.85B	9.81	7.59%	16985.65%	12.30%	-7.71%
PPS	60 Neutral	AU$332.01M	32.03	9.89%	2.88%	23.52%	7.96%
MME	54 Neutral	AU$112.01M	7.17	-13.74%	―	-14.61%	-325.81%
FFTTF		$7.06M	―		―	―	―
PLT	45 Neutral	AU$155.43M	6.20	71.90%	―	35.12%	8.03%

MoneyMe Ltd. Corporate Events

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.

MoneyMe Ltd. Issues Unquoted Equity Securities to Strengthen Capital

MoneyMe Ltd. has announced the issuance of 59,502 unquoted equity securities, which were fully paid and issued on January 8, 2025. This move signifies the company’s strategic efforts to enhance its capital structure and potentially improve its market positioning, offering implications for stakeholders regarding future growth and financial stability.

MoneyMe Ltd. Updates Share Registry Address

MoneyMe Ltd. has announced a change in the address of its share registry, effective from April 14, 2025. This change is part of the company’s compliance with ASX Listing Rule 3.15.1, and while the physical location of the registry is updated, other contact details remain unchanged. This move is likely a strategic step to streamline operations and ensure efficient management of shareholder records.