MoneyMe Limited

CHIA:MME Stock Report

Market Cap: AU$135.2m

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 Ratio5.9x
EarningsAU$22.73m
Market CapAU$135.16m

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 Average15.1x
B4P Beforepay Group
20.2x17.4%AU$78.1m
CCV Cash Converters International
9x23.0%AU$156.1m
FSA FSA Group
13.5xn/aAU$99.5m
SVR Solvar
17.9x22.0%AU$304.4m
MME MoneyMe
5.9x-7.2%AU$135.2m

Price-To-Earnings vs Peers: MME is good value based on its Price-To-Earnings Ratio (5.9x) compared to the peer average (15.1x).

Price to Earnings Ratio vs Industry

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

7 CompaniesPrice / EarningsEstimated GrowthMarket Cap
MME 5.9xIndustry Avg. 13.6xNo. of Companies47PE01020304050+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MME is good value based on its Price-To-Earnings Ratio (5.9x) compared to the Global Consumer Finance industry average (13.6x).

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 Ratio5.9x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: MME is good value based on its Price-To-Earnings Ratio (5.9x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).

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$0.17
AU$0.23
+32.4%
6.7%AU$0.24AU$0.21n/a2
Dec ’25AU$0.12
AU$0.24
+104.2%
10.2%AU$0.27AU$0.22n/a2
Nov ’25AU$0.11
AU$0.24
+122.7%
10.2%AU$0.27AU$0.22n/a2
Oct ’25AU$0.12
AU$0.24
+100.0%
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$0.059
AU$0.20
+239.0%
25.0%AU$0.25AU$0.15AU$0.112
Oct ’24AU$0.065
AU$0.20
+215.4%
26.8%AU$0.26AU$0.15AU$0.122
Sep ’24AU$0.086
AU$0.20
+138.4%
26.8%AU$0.26AU$0.15AU$0.102
Aug ’24AU$0.068
AU$0.24
+252.9%
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$0.062
Jun ’24AU$0.09
AU$0.48
+433.3%
56.9%AU$0.85AU$0.20AU$0.0753
May ’24AU$0.14
AU$0.48
+255.6%
56.9%AU$0.85AU$0.20AU$0.0713
Apr ’24AU$0.089
AU$0.48
+439.3%
56.9%AU$0.85AU$0.20AU$0.0793
Mar ’24AU$0.20
AU$0.72
+267.9%
40.8%AU$1.13AU$0.39AU$0.0814
Feb ’24AU$0.42
AU$0.96
+129.0%
21.1%AU$1.20AU$0.75AU$0.0894
Jan ’24AU$0.24
AU$0.96
+289.8%
20.5%AU$1.17AU$0.75AU$0.0844
Dec ’23AU$0.34
AU$0.96
+176.8%
20.5%AU$1.17AU$0.75AU$0.0684

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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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 00:15
End of Day Share Price 2024/12/23 00:00
Earnings2024/06/30
Annual Earnings2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

MoneyMe Limited is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Russell WrightBarclay Pearce Capital Pty Limited
Steven SassineMorgans Financial Limited
Andrew JohnstonMST Financial Services Pty Limited