MONEYME DELIVERS 54% LOAN ORIGINATION BOOM AND $24M OPERATING CASH PROFIT TURNAROUND
Digital lender MONEYME Limited (ASX:MME) has delivered a standout FY25 performance, achieving operating cash profit of $24 million and loan origination growth of 54%, positioning the company for continued expansion.
Key FY25 Results
Strong Growth and Profitability
Loan originations surged 54% to $915 million
Loan book grew 28% to $1.6 billion
Operating cash profit of $24m, up from $8m loss in FY24
Total funding capacity increased to $2.1 billion, up 20%
Enhanced Credit Quality
Average customer Equifax score jumped to 790 (up from 763)
Net credit losses reduced to 3.4% (down from 4.5%)
Secured assets now represent 62% of loan book (up from 55%)
Cost of funds improved to 7.1% (down from 7.8%)
AI Innovation Leadership
Proprietary AIDEN® AI delivering up to 30% higher customer satisfaction
500,000+ developer hours invested in Horizon technology platform
Advanced generative and agentic AI deployment positioning ahead of traditional lenders
MONEYME strengthened its funding position with a new $125m corporate facility with iPartners on improved terms, replacing the previous facility. The company completed its inaugural auto ABS deal worth $517.5m - the largest to date and first in the auto asset class.
With strong operating cash flows and $50m in undrawn corporate facility capacity, MONEYME is well-capitalised to deliver on long-term growth ambitions.
MONEYME has outlined medium-term targets including a loan book of $2.0-2.5 billion, supported by:
New credit card product launch planned for FY26, leveraging newly acquired Mastercard principal issuer status
Autopay direct-to-consumer expansion beyond current B2B2C model
Operating leverage benefits as loan book scales faster than operating costs
Funding cost optimisation through expanded ABS program
The company's transition from high growth to profitable growth reflects its AI-powered platform delivering superior customer experiences while maintaining excellent credit quality. MONEYME's technology-first approach continues to resonate with 'Generation Now' customers seeking speed and transparency in financial services.
