ASX-listed MONEYME Limited have announced its results for the financial year ending 30 June 2025.
MONEYME’s loan book increased by 28% to $1.6 billion, with originations up 54%. This growth was delivered with continued high credit quality, as net credit losses reduced to 3.4%. Gross revenue of $208 million and net interest margin of 8% reflect the higher proportion of secured loans (now at 62% of the loan book). Funding optimisations achieved in FY25 ensure MONEYME has the capital structure in place to deliver long-term growth.
Clayton Howes, MONEYME’s Managing Director and CEO said, “FY25 was a year of renewed momentum with strong execution across each of our strategic priorities.
“MONEYME delivered strong growth in high quality assets, increasing the loan book by 28% to $1.6 billion. Our positive operating cash profit of $24 million reflects the strong underlying performance of the business and a ~$10 million one-off cash benefit in 1H25.
“A new corporate facility and two ABS transactions, including our first auto deal and largest transaction to date, have reduced our cost of funds and mark important milestones for our growth ambitions. Alongside strong operating cash flows, our capital structure is now established to deliver significant scale over the long term.
“Our strategy of building a more resilient, higher quality loan book is delivering benefits through lower credit losses, stronger funding terms, and a longer-dated revenue profile. Looking ahead, we aim to balance the product mix with growth in personal loans and credit cards to drive stronger risk-adjusted returns.
“MONEYME also accelerated AI and product development to drive further efficiencies and enhance our offering, delivering bank-beating experiences and customer satisfaction.
“With scale increasing, operating leverage growing, and credit losses and cost of funds coming down, our ongoing cash generation will, in time, see us return to normalised and statutory profitability.”