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MoneyMe Limited provides digital consumer finance services in Australia. The company offers loans, including personal, refinance, medical, renovation, wedding, travel, and car loans, as well as debt consolidation and credit cards. It provides its products under the MONEYME and SocietyOne brands through brokers, dealers, and direct channels. The company was founded in 2013 and is based in Sydney, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
MoneyMe Ltd is an Australian fintech that offers consumer lending and digital credit solutions to retail customers through online channels. Long-term growth drivers include rising digital adoption of financial services, expanding demand for flexible unsecured credit, and potential scale benefits from data-driven underwriting and product expansion, which may support revenue growth. The company's technology-led origination and customer-acquisition capabilities appear positioned to benefit from these trends.
Material risks include sensitivity to consumer credit cycles and higher default rates, evolving regulation of digital lending, and funding-cost or margin pressure from competition and wholesale funding markets.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | -40.06M | -66.61M | 12.39M | 12.29M | -47.78M |
| Net income | -40.06M | -66.61M | 22.73M | 12.29M | -50.36M |
| Selling general administrative | - | 43.14M | 36.42M | 35.49M | 28.16M |
| Selling and marketing expenses | - | 8.12M | 7.00M | 7.91M | 22.03M |
| Gross profit | 208.94M | -5.75M | 207.13M | 229.66M | 127.78M |
| Reconciled depreciation | - | - | 10.95M | 11.34M | 2.24M |
| Ebit | - | 38.19M | 110.86M | 101.92M | -9.38M |
| Ebitda | 78.96M | 47.79M | 121.81M | 113.26M | -7.14M |
| Depreciation and amortization | - | 9.60M | 10.95M | 11.34M | 2.24M |
| Operating income | 78.96M | -59.83M | 103.84M | 101.92M | -9.38M |
| Other operating expenses | 169.84M | 54.08M | 103.29M | 136.79M | 152.36M |
| Interest expense | 119.02M | 104.73M | 98.25M | 89.63M | 38.40M |
| Tax provision | - | 0.00M | -10.34M | 0.00M | 2.58M |
| Net interest income | - | - | -98.47M | -89.81M | -38.49M |
| Income tax expense | - | - | -10.34M | 89.63M | 2.58M |
| Total revenue | 248.80M | -5.75M | 214.15M | 229.66M | 127.78M |
| Total operating expenses | 129.98M | 54.08M | 52.89M | 136.79M | 152.36M |
| Cost of revenue | 39.86M | 32.56M | 7.02M | 5.94M | 2.29M |
| Total other income expense net | -119.02M | -6.77M | -91.45M | 9.22M | -38.40M |
| Net income from continuing ops | - | - | 22.73M | 12.29M | -50.36M |
| Net income applicable to common shares | - | -66.61M | 22.73M | 12.29M | -50.36M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 2203.87M | 1657.71M | 1367.50M | 1293.22M | 1471.79M |
| Intangible assets | 85.91M | 25.62M | - | 32.76M | 36.05M |
| Other current assets | - | -405.73M | -379.21M | - | 10.50M |
| Total liab | 2116.81M | 1534.82M | 1177.62M | 1127.16M | 1380.52M |
| Total stockholder equity | 87.05M | 122.89M | 189.89M | 166.06M | 91.28M |
| Other current liab | - | - | -1.12M | 1.63M | 19.59M |
| Common stock | - | 207.37M | 203.43M | 203.43M | 143.06M |
| Capital stock | - | - | - | 203.43M | 143.06M |
| Retained earnings | -127.97M | -87.91M | -21.30M | -44.02M | -56.31M |
| Good will | - | 63.51M | - | 63.51M | 63.51M |
| Other assets | - | - | 1367.50M | 3.19M | 10.49M |
| Cash | 92.22M | 54.09M | 73.63M | -94.83M | 80.67M |
| Total current liabilities | - | - | 1.12M | 6.20M | 20.62M |
| Net debt | -89.86M | 1467.69M | 1095.26M | 1213.37M | 1280.26M |
| Short term debt | - | - | 1.12M | - | 1.04M |
| Short long term debt total | 2.37M | 1521.78M | 1168.89M | 1118.54M | 1360.93M |
| Other stockholder equity | 215.02M | - | - | 159.41M | 4.53M |
| Property plant equipment | - | - | - | 6.04M | 3.88M |
| Total current assets | 793.05M | - | - | 1173.30M | 1344.48M |
| Net tangible assets | - | - | - | 69.80M | -8.29M |
| Net receivables | 700.83M | 351.64M | 305.58M | 1073.65M | 1263.79M |
| Long term debt | - | - | - | 1115.42M | 1358.27M |
| Inventory | - | - | - | - | -10.49M |
| Accumulated other comprehensive income | - | 3.43M | 7.76M | 6.66M | 4.53M |
| Non currrent assets other | - | 1563.93M | -17.66M | 14.42M | 20.68M |
| Non current assets total | 1410.82M | 1657.71M | 17.66M | 119.92M | 127.32M |
| Capital lease obligations | - | - | - | 3.12M | 2.66M |
| Long term debt total | - | - | - | - | 1360.93M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | - | -4.91M | -8.56M | -14.52M |
| Change to liabilities | - | - | - | 0.17M | 2.58M |
| Total cashflows from investing activities | -603.44M | -429.35M | -4.91M | -8.56M | -689.09M |
| Net borrowings | - | - | 42.66M | -245.76M | 664.42M |
| Total cash from financing activities | 568.49M | 346.80M | 37.61M | -188.78M | 664.42M |
| Change to operating activities | - | - | - | 77.34M | 6.64M |
| Net income | -40.06M | -66.61M | 22.73M | 12.29M | -50.36M |
| Change in cash | 38.13M | -19.54M | -18.08M | -197.35M | 54.51M |
| Begin period cash flow | 54.09M | 73.63M | 91.71M | 80.67M | 26.16M |
| End period cash flow | 92.22M | 54.09M | 73.63M | -116.67M | 80.67M |
| Total cash from operating activities | 73.08M | 63.01M | -50.78M | 208.39M | -48.12M |
| Issuance of capital stock | - | - | - | 62.55M | - |
| Depreciation | - | 9.60M | 10.95M | 4.01M | 2.24M |
| Other cashflows from investing activities | -598.49M | -429.13M | -4.84M | 0.00M | 38.09M |
| Change to account receivables | - | - | 1.79M | - | - |
| Sale purchase of stock | - | - | 0.00M | -2.09M | 0.00M |
| Other cashflows from financing activities | 568.49M | -8.17M | -5.05M | -4.60M | 664.42M |
| Change to netincome | - | - | - | 107.23M | 118.08M |
| Capital expenditures | 0.16M | 0.22M | 4.91M | 8.56M | 3.85M |
| Change in working capital | 65.57M | 88.89M | -96.65M | 87.66M | -36.80M |
| Stock based compensation | - | 1.27M | 1.10M | - | - |
| Other non cash items | 47.57M | 29.86M | 12.20M | - | 48.12M |
| Free cash flow | 72.92M | 62.79M | -55.69M | -8.56M | -51.98M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| MME Moneyme Ltd |
- -% |
0.07 | - | 0.75 | 1.51 | 0.56 | 9.36 | 23.16 |
| ZIP ZIP Co Ltd |
-0.12 5.61% |
2.02 | 20.10 | 12.32 | 1.87 | 3.53 | 3.52 | 11.32 |
| CCP Credit Corp Group Ltd |
0.07 0.45% |
15.64 | 10.05 | 8.78 | 2.22 | 1.13 | 2.50 | 7.39 |
| LFG Liberty Financial Group |
- -% |
3.35 | 7.13 | 6.71 | 1.63 | 0.86 | 40.84 | 11.07 |
| LFS Latitude Group Holdings Ltd |
0.04 4.22% |
0.86 | 9.22 | - | 1.59 | 0.66 | 6.49 | 13.37 |
MoneyMe Limited provides digital consumer finance services in Australia. The company offers loans, including personal, refinance, medical, renovation, wedding, travel, and car loans, as well as debt consolidation and credit cards. It provides its products under the MONEYME and SocietyOne brands through brokers, dealers, and direct channels. The company was founded in 2013 and is based in Sydney, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Clayton Howes | MD, CEO & Director | NA |
| Mr. Neal Hawkins | Chief Financial Officer | NA |
| Mr. Jonathan Chan | Chief Operating Officer | NA |
| Mr. Frederick Relenas | Chief Technology Officer | NA |
| Mr. Richard Williams | Chief Information Officer | NA |
| Mr. Simon Willoughby | Gen. Counsel | NA |
| Mr. Richard Bray | Chief Marketing Officer | NA |
| Mr. Jonathan Wu | Chief Product Officer | NA |
| Mr. James Diago | Chief Strategy Officer | NA |
| Ms. Amanda Davenport | Head of Decision Intelligence | NA |
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