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MoneyMe Ltd.
(Sydney:MME)
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Rating:52Neutral
Price Target:
AU$0.06
▼(-15.71% Downside)
Action:Reiterated
Date:08/21/26
The score is primarily supported by a significantly de-risked balance sheet (dramatic debt reduction) and improved FY2026 operating/free cash flow. Offsetting this, bottom-line profitability is unstable (FY2026 net loss) and technicals remain weak with the stock below major moving averages and a negative MACD; valuation is also constrained by a negative P/E.
Positive Factors
Balance Sheet De-risking
The dramatic debt reduction materially lowers leverage and financial pressure, giving MoneyMe greater flexibility to absorb credit-cycle stress and allocate capital. This improved funding profile provides a stronger foundation for the business over the next several quarters.
Negative Factors
Unstable Profitability
The return to a net loss shows that strong operating performance has not translated consistently into bottom-line earnings. Persistent earnings volatility can limit capital formation, reduce confidence in sustainable returns, and make future performance harder to plan.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet De-risking
The dramatic debt reduction materially lowers leverage and financial pressure, giving MoneyMe greater flexibility to absorb credit-cycle stress and allocate capital. This improved funding profile provides a stronger foundation for the business over the next several quarters.
Read all positive factors
MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$47.51M
Dividend YieldN/A
Average Volume (3M)293.02K
Price to Earnings (P/E)―
Beta (1Y)1.25
Revenue Growth28.46%
EPS Growth40.67%
CountryAU
Employees112
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.05
Shares Outstanding819,074,300
10 Day Avg. Volume356,554
30 Day Avg. Volume293,018
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.72
Price to Sales (P/S)0.25
P/FCF Ratio0.86
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 Upside200.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)<0.01
Revenue Forecast (FY)AU$286.46M
MoneyMe Ltd. Business Overview & Revenue Model
Company Description
MoneyMe Limited is a digital financial services firm that delivers consumer financing options throughout Australia, operating under its MONEYME and SocietyOne brands. The company's offerings encompass a range of lending products, including persona...
How the Company Makes Money
MoneyMe primarily makes money by originating consumer credit products and earning income over the life of those receivables. Key revenue streams include: (1) Interest income: the company charges interest on outstanding balances across its loan and...
MoneyMe Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
62
Positive
Cash Flow
58
Neutral
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 248.80M | -5.75M | 214.15M | 238.88M | 143.07M |
| Gross Profit | 208.94M | -5.75M | 207.13M | 221.60M | 138.54M |
| EBITDA | 78.96M | 47.79M | 121.81M | 113.26M | -7.05M |
| Net Income | -40.06M | -66.61M | 22.73M | 12.29M | -50.36M |
Balance Sheet | |||||
| Total Assets | 2.20B | 1.66B | 1.37B | 1.29B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | 92.22M | 54.09M | 73.63M | 91.71M | 80.67M |
| Total Debt | 2.10B | 1.52B | 1.17B | 1.12B | 1.36B |
| Total Liabilities | 2.12B | 1.53B | 1.18B | 1.13B | 1.38B |
| Stockholders Equity | 87.05M | 122.89M | 189.89M | 166.06M | 91.28M |
Cash Flow | |||||
| Free Cash Flow | 72.92M | 62.79M | -55.69M | 199.82M | 64.96M |
| Operating Cash Flow | 73.08M | 63.01M | -50.78M | 208.39M | 68.82M |
| Investing Cash Flow | -603.44M | -429.35M | -4.91M | -8.56M | -689.09M |
| Financing Cash Flow | 568.49M | 346.80M | 37.61M | -188.78M | 674.78M |
MoneyMe Ltd. Technical Analysis
Negative
0.07
Price Trends
0.07
Negative
0.07
Negative
0.08
Negative
Market Momentum
>-0.01
Positive
44.93
Neutral
15.74
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 0.07 is above the 20-day moving average (MA) of 0.06, above the 50-day MA of 0.07, and below the 200-day MA of 0.08, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 44.93 is Neutral, neither overbought nor oversold. The STOCH value of 15.74 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
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$260.95M | 9.04 | 8.80% | 8.63% | -6.45% | -0.06% | |
58 Neutral | AU$71.59M | 7.03 | 22.86% | ― | 9.62% | 82.62% | |
58 Neutral | AU$140.14M | 9.38 | 20.23% | ― | 20.39% | -42.91% | |
52 Neutral | AU$47.51M | -1.19 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$847.38M | 7.76 | 8.74% | 12.88% | 4.20% | 85.51% | |
47 Neutral | AU$68.76M | -8.84 | -16.10% | 3.00% | 18.86% | 17.31% |
* Financial Sector Average
AU:MME
MoneyMe Ltd.
0.06
-0.06
-49.57%
AU:SVR
Money3 Corporation Limited
1.40
-0.02
-1.55%
AU:HMY
Harmoney Corp Ltd
0.70
-0.24
-25.27%
AU:WZR
Wisr Ltd.
0.04
<0.01
30.00%
AU:PLT
Plenti Group Ltd.
0.76
-0.69
-47.59%
AU:LFS
Latitude Group Holdings Ltd.
0.82
-0.20
-20.02%
MoneyMe Ltd. Corporate Events
MoneyMe Secures $413.5m AAA-Rated Autopay ABS to Expand Auto Lending
Oct 21, 2026
MoneyMe has executed a $413.5 million term securitisation of auto loan receivables via its MME Autopay ABS 2026-1 Trust, marking its first public capital markets deal of FY27 and lifting total issuance over the past year to $1.234 billion across t...
MoneyMe Delivers Strong 1Q27 Growth With Record-Low Credit Losses
Oct 19, 2026
MoneyMe has opened FY27 with strong growth, expanding its loan book to $2.24bn and lifting quarterly originations to $366m, up 40% on the prior period. Gross revenue rose 33% to $76m, while net credit losses fell to a record low of 2.0%, improving...
MoneyMe trims performance rights as equity incentives lapse and are cancelled
Oct 14, 2026
MoneyMe Limited has reported the cessation of a series of performance rights, detailing multiple tranches that have expired, lapsed, or been cancelled by agreement with holders. The announcement outlines changes to the company’s issued capit...
MoneyMe Revamps Company Secretary Role as Governance Focus Sharpens
Sep 30, 2026
MoneyMe Limited has announced a change in its corporate governance structure with the resignation of Jonathan Swain as Company Secretary and the appointment of Sarah Prince to the role, effective immediately. The company also confirmed that Prince...
MoneyMe Sets Date and Director Nomination Deadline for 2026 AGM
Sep 30, 2026
MoneyMe Limited has scheduled its 2026 Annual General Meeting for 26 November 2026, with full meeting documentation to be circulated to shareholders and lodged with the ASX in due course. The timetable signals the company’s corporate governa...
MoneyMe Adds 526,100 Shares to ASX Quotation
Sep 29, 2026
MoneyMe Ltd. has applied for quotation on the ASX of 526,100 additional ordinary fully paid shares, issued on September 28, 2026, under its existing ticker MME. The new securities arise from the conversion or exercise of existing options or other ...
MoneyMe Seeks ASX Quotation for Over 2 Million New Shares
Sep 17, 2026
MoneyMe Ltd. has applied for quotation on the ASX of 2,087,400 new ordinary fully paid shares, dated 11 September 2026. The application, lodged as an Appendix 2A, reflects securities issued following the exercise or conversion of existing options ...
MoneyMe seeks ASX quotation for 3.5 million new shares
Aug 28, 2026
MoneyMe Ltd. has applied to the ASX for quotation of 3,530,501 new ordinary fully paid shares, with an issue date of 26 August 2026. The additional securities, arising from the exercise or conversion of existing instruments, will increase the comp...
MoneyMe updates CEO Clayton Howes’ performance rights holdings
Aug 26, 2026
MoneyMe Limited has disclosed a change in the interests of its chief executive and director Clayton Howes, following the lapse and cancellation of a portion of his performance rights. The adjustment relates to 2,302,273 performance rights from the...
MoneyMe Narrows Annual Loss Despite Strong Revenue Growth
Aug 18, 2026
MoneyMe reported gross revenue of $248.8 million for the year to 30 June 2026, a 19.6% increase on the prior year, reflecting continued growth in its lending activities. Despite the higher revenue, the company posted a net loss after tax of $40.1 ...
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.