Want to see AU:MME full AI Analyst Report?
MoneyMe Ltd. (MME) AI Stock Analysis
Top Page
MoneyMe Ltd.
(ASX:MME)
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.
MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)
- Market Cap
- AUD 47.51M
- Dividend Yield
- ―
- Average Volume (3M)
- 408.87K
- Price to Earnings (P/E)
- -1.2
- Beta (1Y)
- 1.22
- Revenue Growth
- 28.46%
- EPS Growth
- 40.67%
- Country
- Australia
- Employees
- 112
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 personal l...
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 re...
MoneyMe Ltd. Financial Statement Overview
Summary
Balance sheet strength improved sharply with total debt dropping to ~A$2.4M in FY2026 (vs >A$1.5B in FY2025), materially de-risking leverage. However, profitability remains inconsistent (FY2026 returned to a net loss despite strong EBIT margin) and cash flow has been volatile across years, reducing confidence in durability.
Income Statement
56NeutralBalance Sheet
62PositiveCash Flow
58Neutral| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 248.80M | 248.80M | -5.75M | 214.15M | 238.88M | 143.07M |
| Gross Profit | 204.12M | 208.94M | -5.75M | 207.13M | 221.60M | 138.54M |
| EBITDA | 84.10M | 78.96M | 47.79M | 121.81M | 113.26M | -7.05M |
| Net Income | -40.06M | -40.06M | -66.61M | 22.73M | 12.29M | -50.36M |
Balance Sheet | ||||||
| Total Assets | 2.20B | 2.20B | 1.66B | 1.37B | 1.29B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | 92.22M | 92.22M | 54.09M | 73.63M | 91.71M | 80.67M |
| Total Debt | 2.10B | 2.10B | 1.52B | 1.17B | 1.12B | 1.36B |
| Total Liabilities | 2.12B | 2.12B | 1.53B | 1.18B | 1.13B | 1.38B |
| Stockholders Equity | 87.05M | 87.05M | 122.89M | 189.89M | 166.06M | 91.28M |
Cash Flow | ||||||
| Free Cash Flow | 72.92M | 72.92M | 62.79M | -55.69M | 199.82M | 64.96M |
| Operating Cash Flow | 73.08M | 73.08M | 63.01M | -50.78M | 208.39M | 68.82M |
| Investing Cash Flow | -603.44M | -603.44M | -429.35M | -4.91M | -8.56M | -689.09M |
| Financing Cash Flow | 568.49M | 568.49M | 346.80M | 37.61M | -188.78M | 674.78M |
MoneyMe Ltd. Technical Analysis
Price Trends
Market Momentum
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 0.06 is below the 20-day moving average (MA) of 0.06, below the 50-day MA of 0.07, and below the 200-day MA of 0.08, indicating a bearish trend. The MACD of -0.00 indicates Negative momentum. The RSI at 44.93 is Neutral, neither overbought nor oversold. The STOCH value of 22.22 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
Overall Rating
AU:PLT70Outperform
AU:HMY69Neutral
AU:SVR60Neutral
AU:WZR52Neutral- AU:MME52Neutral
AU:LFS50Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AU:PLT | 70Outperform | AUD 138.30M | 9.38 | 20.23% | ― | 20.39% | -42.91% |
| AU:HMY | 69Neutral | AUD 73.65M | 7.24 | 22.86% | ― | 9.62% | 82.62% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AU:SVR | 60Neutral | AUD 260.96M | 9.01 | 8.80% | 8.60% | -6.45% | -0.06% |
| AU:WZR | 52Neutral | AUD 66.99M | -8.84 | -16.10% | ― | 18.86% | 17.31% |
| AU:MME | 52Neutral | AUD 47.51M | -1.17 | -41.92% | ― | 28.46% | 40.67% |
| AU:LFS | 50Neutral | AUD 847.38M | 7.76 | 8.74% | 12.88% | 4.20% | 85.51% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AU:MME | MoneyMe Ltd. | 0.06 | -0.05 | -44.76% | |
| AU:SVR | Money3 Corporation Limited | 1.40 | -0.00 | -0.29% | |
| AU:HMY | Harmoney Corp Ltd | 0.71 | -0.22 | -23.94% | |
| AU:WZR | Wisr Ltd. | 0.04 | 0.01 | 26.67% | |
| AU:PLT | Plenti Group Ltd. | 0.75 | -0.61 | -44.85% | |
| AU:LFS | Latitude Group Holdings Ltd. | 0.81 | -0.20 | -20.02% |
MoneyMe Ltd. Corporate Events
MoneyMe Secures $413.5m AAA-Rated Autopay ABS to Expand Auto Lending
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 thre...
MoneyMe Delivers Strong 1Q27 Growth With Record-Low Credit Losses
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 ri...
MoneyMe trims performance rights as equity incentives lapse and are cancelled
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 capital...
MoneyMe Revamps Company Secretary Role as Governance Focus Sharpens
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 wi...
MoneyMe Sets Date and Director Nomination Deadline for 2026 AGM
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 governance...
MoneyMe Adds 526,100 Shares to ASX Quotation
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 con...
MoneyMe Seeks ASX Quotation for Over 2 Million New Shares
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 or...
MoneyMe seeks ASX quotation for 3.5 million new shares
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 company...
MoneyMe updates CEO Clayton Howes’ performance rights holdings
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 20...
MoneyMe Narrows Annual Loss Despite Strong Revenue Growth
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 mil...
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: Aug 21, 2026