MONEYME beats operating cash profit expectations, delivers strong growth and credit performance

ASX-listed lender MONEYME have provided its fourth quarter trading results for the period ending 30 June 2025.

MONEYME beat its expected FY25 operating cash profit (OCP) and delivered strong loan book growth, robust credit performance and enhanced funding efficiencies, with the momentum continuing into FY26.

The company announced strong operating cash flows with a full year operating cash profit of $24 million, 20% above expectations. MONEYME’s loan book growth was impressive with their loan book reaching $1.6 billion for 4Q25, up 28% on the pcp and up 6% on the prior quarter.

MONEYME Managing Director and CEO, Clayton Howes (pictured), said, “MONEYME ended FY25 with a strong final quarter, continuing the momentum through the year. We executed well on strategy, growing our loan book, improving key portfolio metrics, and delivering strong operating performance, with full year operating cash profit exceeding expectations at approximately $24 million.

“Net credit losses were significantly lower year-on-year, reflecting our ongoing focus on high credit quality and secured assets. With our funding costs reducing, we’ve been able to better price our products in market.

“Our momentum has continued into the new financial year. In July, we closed a $200 million personal loan ABS transaction, attracting strong offshore investor demand and reinforcing confidence in the quality of our assets.

“We also became a Mastercard principal issuer and established key technology partnerships, laying the groundwork for the launch of our new credit card offering.

“MONEYME remains focused on delivering bank-beating credit experiences, with faster, more innovative, and better-value products that are resonating strongly with consumers and partners. Our investment in AI, including the adoption of agentic AI, continues to drive operational efficiency and enhance our customer experience.”