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

MoneyMe Ltd. (MME) AI Stock Analysis

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AU

MoneyMe Ltd.

(Sydney:MME)

Rating:54Neutral
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. (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 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
60
Neutral
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
55
Neutral
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
45
Neutral
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
TTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
112.63M214.15M238.88M143.07M57.07M47.27M
Gross Profit
30.03M207.13M221.60M138.54M55.38M46.29M
EBIT
35.36M103.84M169.63M81.73M30.01M28.20M
EBITDA
60.33M121.81M180.97M-7.05M31.70M29.19M
Net Income Common Stockholders
-22.25M22.73M12.29M-50.36M-7.93M1.30M
Balance SheetCash, Cash Equivalents and Short-Term Investments
96.99M73.63M91.71M80.67M26.16M35.38M
Total Assets
1.54B1.37B1.29B1.47B345.97M166.60M
Total Debt
1.38B1.17B1.12B1.36B301.29M115.25M
Net Debt
1.29B1.10B1.03B1.28B275.12M79.87M
Total Liabilities
1.39B1.18B1.13B1.38B305.74M119.75M
Stockholders Equity
150.87M189.89M166.06M91.28M40.24M46.85M
Cash FlowFree Cash Flow
-250.80M-55.69M199.82M64.96M27.60M15.45M
Operating Cash Flow
-250.64M-50.78M208.39M68.82M30.15M18.24M
Investing Cash Flow
-4.46M-4.91M-8.56M-689.09M-224.99M-61.18M
Financing Cash Flow
280.15M37.61M-188.78M674.78M185.63M72.26M

MoneyMe Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.14
Price Trends
50DMA
0.13
Positive
100DMA
0.16
Negative
200DMA
0.15
Negative
Market Momentum
MACD
<0.01
Positive
RSI
51.14
Neutral
STOCH
50.00
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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$12.85B9.817.59%16985.65%12.30%-7.71%
AUPPS
60
Neutral
AU$332.01M32.039.89%2.88%23.52%7.96%
AUMME
54
Neutral
AU$112.01M7.17-13.74%-14.61%-325.81%
$7.06M
AUPLT
45
Neutral
AU$155.43M6.2071.90%35.12%8.03%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:MME
MoneyMe Ltd.
0.14
0.07
100.00%
FFTTF
Fatfish Group
0.02
0.00
0.00%
AU:PPS
Praemium Ltd
0.70
0.26
59.09%
AU:PLT
Plenti Group Ltd.
0.87
0.17
24.29%

MoneyMe Ltd. Corporate Events

Change in Substantial Holder’s Interest at MoneyMe Ltd.
Jun 3, 2025

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
May 23, 2025

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
May 16, 2025

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
Apr 30, 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
Apr 11, 2025

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
Apr 10, 2025

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.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.