MoneyMe Limited

ASX:MME Stock Report

Market Cap: AU$95.4m

MoneyMe Valuation

Is MME undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MME when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate MME's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate MME's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MME?

Key metric: As MME is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MME. This is calculated by dividing MME's market cap by their current earnings.
What is MME's PE Ratio?
PE Ratio4.1x
EarningsAU$22.73m
Market CapAU$95.41m

Price to Earnings Ratio vs Peers

How does MME's PE Ratio compare to its peers?

The above table shows the PE ratio for MME vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13x
B4P Beforepay Group
14.6x20.0%AU$55.9m
CCV Cash Converters International
8.3x23.0%AU$143.6m
FSA FSA Group
13.4xn/aAU$98.3m
SVR Solvar
15.7x22.0%AU$253.9m
MME MoneyMe
4.1x4.2%AU$95.4m

Price-To-Earnings vs Peers: MME is good value based on its Price-To-Earnings Ratio (4.1x) compared to the peer average (13x).

Price to Earnings Ratio vs Industry

How does MME's PE Ratio compare vs other companies in the Global Consumer Finance Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
MME 4.1xIndustry Avg. 13.0xNo. of Companies37PE0816243240+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MME is good value based on its Price-To-Earnings Ratio (4.1x) compared to the Global Consumer Finance industry average (13x).

Price to Earnings Ratio vs Fair Ratio

What is MME's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MME PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio4.1x
Fair PE Ratio13.8x

Price-To-Earnings vs Fair Ratio: MME is good value based on its Price-To-Earnings Ratio (4.1x) compared to the estimated Fair Price-To-Earnings Ratio (13.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MME forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$0.12
AU$0.24
+108.5%
10.2%AU$0.27AU$0.22n/a2
Nov ’25AU$0.12
AU$0.24
+113.0%
10.2%AU$0.27AU$0.22n/a2
Oct ’25AU$0.12
AU$0.24
+104.2%
10.2%AU$0.27AU$0.22n/a2
Sep ’25AU$0.10
AU$0.23
+123.8%
6.4%AU$0.25AU$0.22n/a2
Aug ’25AU$0.084
AU$0.24
+185.7%
4.2%AU$0.25AU$0.23n/a2
Nov ’24AU$0.06
AU$0.20
+233.3%
25.0%AU$0.25AU$0.15AU$0.122
Oct ’24AU$0.065
AU$0.20
+215.4%
26.8%AU$0.26AU$0.15AU$0.122
Sep ’24AU$0.085
AU$0.20
+141.2%
26.8%AU$0.26AU$0.15AU$0.102
Aug ’24AU$0.067
AU$0.24
+258.2%
16.7%AU$0.28AU$0.20AU$0.0842
Jul ’24AU$0.079
AU$0.27
+235.4%
24.5%AU$0.33AU$0.20AU$0.0642
Jun ’24AU$0.09
AU$0.48
+433.3%
56.9%AU$0.85AU$0.20AU$0.0763
May ’24AU$0.14
AU$0.48
+242.9%
56.9%AU$0.85AU$0.20AU$0.073
Apr ’24AU$0.09
AU$0.48
+433.3%
56.9%AU$0.85AU$0.20AU$0.0773
Mar ’24AU$0.20
AU$0.72
+258.8%
40.8%AU$1.13AU$0.39AU$0.0814
Feb ’24AU$0.43
AU$0.96
+123.7%
21.1%AU$1.20AU$0.75AU$0.094
Jan ’24AU$0.24
AU$0.96
+289.8%
20.5%AU$1.17AU$0.75AU$0.0834
Dec ’23AU$0.34
AU$0.96
+180.9%
20.5%AU$1.17AU$0.75AU$0.0684
Nov ’23AU$0.38
AU$0.96
+151.3%
20.5%AU$1.17AU$0.75AU$0.064

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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