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MME.AX ASX Consumer Lending

Moneyme Ltd

A$0,08
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About

Moneyme Ltd provides consumer lending services in Australia, primarily through digital platforms and partnerships with financial institutions.

Business. Moneyme Ltd (MME.AX) is an Australian financial services company operating in the consumer lending industry. The firm is headquartered in Australia and is primarily listed on the Australian Securities Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY1 analysts
1 buy0 hold0 sell
Avg 12m price target0,21

Analyst recommendations

1 analysts · consensus Buy
Buy1
Hold0
Sell0
12-month price target
0,21
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
1 analysts · indicative
Ownership
not yet wired
Profitability
not yet wired
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning MME.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to MME.AX. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Moneyme Ltd (MME.AX) is an Australian financial services company operating in the consumer lending industry. The firm is headquartered in Australia and is primarily listed on the Australian Securities Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    Moneyme operates with a fully diluted share count of 811.7 million shares, with no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities. The company's liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

    Profitability metrics are not available in the current dataset, and no direct comparison to industry_config preferred metrics or cohort medians can be made. The company's valuation snapshot is currently unpopulated, which limits the ability to assess returns or margins relative to industry benchmarks.

    Moneyme's revenue concentration and geographic exposure are not disclosed in the available data. The company's operations are primarily based in Australia, but the extent of its exposure to other markets or segments is not specified in the source documents.

    Growth trajectory is not quantified in the current dataset. The outlook for the current and next fiscal years is not provided, and no numeric deltas or revenue history are available to assess the company's growth potential.

    The company's risk assessment indicates a low dilution risk, with no significant dilution potential from basic shares outstanding. No adjustments have been applied to the valuation, and no specific risk factors are cited in the available data.

    Recent events, including filings or transcripts, are not disclosed in the available data. Analyst estimates suggest a consensus price target of 0.21 AUD, with a mean recommendation of 1.00 (strong buy), but no recent events or strategic developments are detailed in the source documents.

    Key takeaways
    • Moneyme operates in the Consumer Lending industry with a fully diluted share count of 811.7 million shares.
    • The company's liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language.
    • Analysts have assigned a strong buy rating with a consensus price target of 0.21 AUD.
    • No profitability metrics or growth trajectory data are available in the current dataset.
    • The company's revenue concentration and geographic exposure are not disclosed.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 5

    Total assets grew at a 48.0% CAGR over five years, indicating significant balance sheet expansion.

    Revenue achieved a 37.9% CAGR over four years, demonstrating strong historical top-line growth momentum.

    Free cash flow turned positive in FY2023 and FY2024, reaching 28.8 million AUD in the latter year.

    Operating income remained positive at 51.3 million AUD in FY2025 despite a net loss.

    Dilution risk is assessed as low, suggesting limited immediate threat to existing shareholder equity value.

    BEAR CASE · 1

    Long-term debt surged to 1.52 billion AUD in FY2025, increasing leverage and financial risk.

    In focus — financials by report

    Annual
    ANNUALFiled 2025-08-28
    FY 2025 · Full-year highlights

    Revenue A$208.0M, −2,9% YoY; Operating income −89,0% YoY.

    RevenueA$208.0M−2,9 % YoY
    Operating incomeA$5.1M−89,0 % YoY
    Net income-A$66.6M−393,1 % YoY
    Free cash flow-A$61.6M−314,2 % YoY
    EPS
    Operating cash flowA$63.0M+224,1 % YoY
    Financials
    Income statement
    RevenueA$208.0M
    Gross profitA$185.0M
    Operating incomeA$5.1M
    Net income-A$66.6M
    Margins
    Gross margin89.0%
    Operating margin2.5%
    Net margin-32.0%
    FCF margin-29.6%
    Balance sheet
    Total assetsA$1.66B
    Total liabilitiesA$1.53B
    Total equityA$122.9M
    Cash & equivalentsA$16.7M
    Long-term debtA$1.52B
    Cash flow
    Operating cash flowA$63.0M
    CapEx-A$4.6M
    Free cash flow-A$61.6M
    SBC
    P&L flow · revenue → net income
    Revenue A$208.0MOperating costs A$202.8MTax A$71.7MNet income A$66.6M
    Highlights
    • Revenue A$208.0M, −2,9% YoY
    • Operating income −89,0% YoY
    • Net income −393,1% YoY
    • Free cash flow −314,2% YoY
    • Net margin -32.0%

    Valuation FY

    Market price
    A$0,08
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    -0,05
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    1
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-12 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate-0,05
    Revenueno estimateno estimate221,2M AUD
    Operating incomeno estimateno estimate-40,8M AUD
    Full-year consensus mean (period as reported by source) · consensus in AUD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution1 analysts
    Strong buy1
    Buy0
    Hold0
    Sell0
    Strong sell0
    12-month price targetA$0,21 · Median A$0,21
    Low A$0,21High A$0,21
    Operating income · consensus-40,8M AUD
    EPS surprise
    +60,0 %
    reported vs consensus · beat
    Revenue surprise
    −16,4 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    LowA$0,21
    MeanA$0,21
    MedianA$0,21
    HighA$0,21
    SpotA$0,08
    +156.1 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    Source documents
    • Moneyme Ltd Market data — financials · 2026-05-28
    • Moneyme Ltd Market data — analyst estimates · 2026-05-28

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    MME.AXCanonical
    ASX · AUD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2025-08-28 04:50 UTCEARNINGSAnnual results — FY 2025 Revenue AUD 208.0M · Net AUD -66.6M
    2024-08-29 04:43 UTCEARNINGSAnnual results — FY 2024 Revenue AUD 214.1M · Net AUD 22.7M
    2023-08-31 05:10 UTCEARNINGSAnnual results — FY 2023 Revenue AUD 238.9M · Net AUD 12.3M
    2022-08-31 04:43 UTCEARNINGSAnnual results — FY 2022 Revenue AUD 143.1M · Net AUD -50.4M
    2021-08-30 03:53 UTCEARNINGSAnnual results — FY 2021 Revenue AUD 57.6M · Net AUD -7.9M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage