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MoneyMe Ltd.
(Sydney:MME)
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Rating:52Neutral
Price Target:
AU$0.07
▲(2.86% Upside)
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
Dramatic deleveraging
The sharp reduction in debt materially lowers funding and solvency risk, giving MoneyMe greater financial flexibility. A less leveraged balance sheet can improve resilience through credit cycles and reduce dependence on wholesale funding conditions.
Negative Factors
Unstable bottom-line profitability
The return to a net loss after profitable periods weakens confidence in earnings durability. In consumer lending, inconsistent net results can reflect changing credit costs, funding expenses or accounting effects, limiting visibility into sustainable shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Dramatic deleveraging
The sharp reduction in debt materially lowers funding and solvency risk, giving MoneyMe greater financial flexibility. A less leveraged balance sheet can improve resilience through credit cycles and reduce dependence on wholesale funding conditions.
Read all positive factors
MoneyMe Ltd. (MME) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$54.70M
Dividend YieldN/A
Average Volume (3M)708.38K
Price to Earnings (P/E)―
Beta (1Y)1.20
Revenue Growth28.46%
EPS Growth40.67%
CountryAU
Employees112
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.05
Shares Outstanding816,460,750
10 Day Avg. Volume357,792
30 Day Avg. Volume708,382
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$277.67M
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
0.08
Negative
0.08
Negative
0.09
Negative
Market Momentum
>-0.01
Negative
35.62
Neutral
50.00
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 0.07 is below the 20-day moving average (MA) of 0.07, below the 50-day MA of 0.08, and below the 200-day MA of 0.09, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 35.62 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 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$301.17M | 10.40 | 8.80% | 8.70% | -6.45% | -0.06% | |
58 Neutral | AU$78.80M | 7.74 | 22.86% | ― | 9.62% | 82.62% | |
58 Neutral | AU$143.83M | 9.75 | 20.23% | ― | 20.39% | -42.91% | |
53 Neutral | AU$49.35M | -6.51 | -16.10% | 3.00% | 18.86% | 17.31% | |
52 Neutral | AU$54.70M | -1.35 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$966.95M | 8.86 | 8.74% | 10.75% | 4.20% | 85.51% |
* Financial Sector Average
AU:MME
MoneyMe Ltd.
0.07
-0.07
-50.37%
AU:SVR
Money3 Corporation Limited
1.61
0.14
9.15%
AU:HMY
Harmoney Corp Ltd
0.77
-0.06
-7.27%
AU:WZR
Wisr Ltd.
0.03
>-0.01
-6.67%
AU:PLT
Plenti Group Ltd.
0.78
-0.47
-37.60%
AU:LFS
Latitude Group Holdings Ltd.
0.93
-0.12
-11.85%
MoneyMe Ltd. Corporate Events
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 ...
MoneyMe to Issue 341,875 Unquoted Performance Rights
Jul 23, 2026
MoneyMe Ltd. has notified the market of the planned issue of 341,875 unquoted performance rights, designated under the ASX security code MMEAA. These rights are scheduled to be issued on 31 December 2025, as disclosed in the company’s Append...
MoneyMe sets date for FY26 results and investor webcast
Jul 22, 2026
MoneyMe Ltd. has scheduled the release of its 2026 financial year annual report, covering the 12 months to 30 June 2026, for Wednesday 19 August 2026. The company will accompany the publication with a results webcast briefing at 10:30am AEST, led ...
MoneyMe tops $2bn loan book as AI and securitisation drive FY26 inflection
Jul 21, 2026
MoneyMe reported a strong fourth quarter for FY26, expanding its loan book to $2.08 billion and lifting annual originations to $1.23 billion, a 34% year‑on‑year increase. Revenue rose to $249 million and the company achieved positive n...
MoneyMe Cuts Performance Rights, Trimming Future Equity Dilution
Jul 14, 2026
MoneyMe Limited has notified the ASX of the cessation of a series of performance rights, reducing its pool of outstanding equity-based incentives. The lapse and cancellations, totalling several million rights, reflect conditional rights that did n...
MoneyMe appoints new director Belinda Hogan with no initial shareholding
Jul 1, 2026
MoneyMe Limited has appointed Belinda Hogan as a director, effective 1 July 2026, signalling a refresh of its boardroom leadership. According to disclosures lodged with the ASX, Hogan holds no relevant interests in MoneyMe securities or related co...
MoneyMe Lists New Ordinary Shares After Convertible Securities Exercise
Jun 30, 2026
MoneyMe Limited, an ASX-listed consumer finance provider, offers credit products to Australian retail customers through its fully paid ordinary shares quoted under the ticker MME. The company’s operations are supported by ongoing access to e...
MoneyMe strengthens board with appointment of finance veteran Belinda Hogan
Jun 25, 2026
MoneyMe Ltd. is an Australian fintech lender focused on challenging traditional banks with faster, simpler digital credit products for consumers. Using a proprietary technology platform with real-time, AI-enabled credit decisioning, it offers pers...
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.