MoneyMe Limited operates in the digital consumer credit business in Australia.
No risks detected for MME from our risk checks.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$2.00|
|52 Week High||AU$1.29|
|52 Week Low||AU$2.48|
|1 Month Change||1.01%|
|3 Month Change||-1.48%|
|1 Year Change||32.89%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||60.00%|
Recent News & Updates
Would Shareholders Who Purchased MoneyMe's (ASX:MME) Stock Year Be Happy With The Share price Today?
It's easy to match the overall market return by buying an index fund. Active investors aim to buy stocks that vastly...
|MME||AU Consumer Finance||AU Market|
Return vs Industry: MME exceeded the Australian Consumer Finance industry which returned 12.5% over the past year.
Return vs Market: MME exceeded the Australian Market which returned 20.2% over the past year.
Stable Share Price: MME is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: MME's weekly volatility (6%) has been stable over the past year.
About the Company
MoneyMe Limited operates in the digital consumer credit business in Australia. It offers personal, cash, short term, quick, express, and small loans; and line of credit and credit cards. The company was founded in 2013 and is based in Sydney, Australia.
MoneyMe Fundamentals Summary
|MME fundamental statistics|
Is MME overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|MME income statement (TTM)|
|Cost of Revenue||AU$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.046|
|Net Profit Margin||-49.32%|
How did MME perform over the long term?See historical performance and comparison
Is MoneyMe undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate MME's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate MME's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: MME is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.
PE vs Market: MME is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MME's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: MME is overvalued based on its PB Ratio (8.5x) compared to the AU Consumer Finance industry average (1.9x).
How is MoneyMe forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MME is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: MME is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: MME's is expected to become profitable in the next 3 years.
Revenue vs Market: MME's revenue (46.1% per year) is forecast to grow faster than the Australian market (5.4% per year).
High Growth Revenue: MME's revenue (46.1% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MME's Return on Equity is forecast to be high in 3 years time (25.6%)
How has MoneyMe performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MME is currently unprofitable.
Growing Profit Margin: MME is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: MME is unprofitable, and losses have increased over the past 5 years at a rate of 64.9% per year.
Accelerating Growth: Unable to compare MME's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: MME is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).
Return on Equity
High ROE: MME has a negative Return on Equity (-19.71%), as it is currently unprofitable.
How is MoneyMe's financial position?
Financial Position Analysis
Short Term Liabilities: MME's short term assets (A$333.5M) exceed its short term liabilities (A$5.0M).
Long Term Liabilities: MME's short term assets (A$333.5M) exceed its long term liabilities (A$300.7M).
Debt to Equity History and Analysis
Debt Level: MME's debt to equity ratio (744.9%) is considered high.
Reducing Debt: Insufficient data to determine if MME's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable MME has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: MME is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 25.8% per year.
What is MoneyMe current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate MME's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate MME's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if MME's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if MME's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of MME's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Clayton Howes serves as Director, Managing Director and Chief Executive Officer at Moneyme Limited. Mr. Howes is a co-founder of MoneyMe since its inception. Mr. Howes has experience in the development...
CEO Compensation Analysis
Compensation vs Market: Clayton's total compensation ($USD936.23K) is above average for companies of similar size in the Australian market ($USD547.68K).
Compensation vs Earnings: Clayton's compensation has increased whilst the company is unprofitable.
Experienced Management: MME's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.
Experienced Board: MME's board of directors are not considered experienced ( 2 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
MoneyMe Limited's employee growth, exchange listings and data sources
- Name: MoneyMe Limited
- Ticker: MME
- Exchange: ASX
- Founded: 2013
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$349.738m
- Shares outstanding: 171.44m
- Website: https://www.moneyme.com.au
- MoneyMe Limited
- 131 Macquarie Street
- Level 3
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 07:04|
|End of Day Share Price||2021/10/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.