Moneyme Ltd. · ASX:MME
Moneyme — H1 2026 Earnings Presentation
45 slides from Moneyme's earnings presentation, Feb 19, 2026
Slide 1: 1H26 Results Investor Presentation
1H26 Results Investor Presentation 19 February 2026 moneyme.com.au Copyright 2026 | MoneyMe Limited | ACN 636 747 414 | Australian credit licence number 442218 Page 0 | (ASX:MME) Public
Slide 2: Bank-beating loans and credit cards for Generation Now
Bank-beating loans and credit cards for Generation Now Page 1 | (ASX:MME) Public
Slide 3: Beating the banks
Beating the banks Better rates Digital, yet personal Fast moving Competitive personal and auto loan rates Seamless borrowing experiences with Near real-time credit decisioning to loans compared to the major banks a strong focus on customer service that settle within minutes, not days Page 2 | (ASX:M
Slide 4: Scaling up with industry-first innovation for over half a million customers
Scaling up with industry-first innovation for over half a million customers • Announced white-label credit card offering with first partner Luxury • B Corp Certification, Escapes • Acquired SocietyOne, August 2023 March 2022 • $1.75bn loan book • IPO on ASX, December • $1.22bn loan book 2019 • $1.35
Slide 5: Current operating environment
Current operating environment Shifting priorities of banks Macro Technology and creating opportunities environment automation effect • Banks focused on capital efficiency and • Interest rate volatility continues, but • Proprietary platform and AI enable near lower-risk segments increasingly favours
Slide 6: 1H26 highlights
05 1H26 highlights Page 5 | (ASX:MME) Public
Slide 7: 1H26 highlights
Loan book growth, increased revenue, and stronger credit performance Closing loan book Gross revenue Loan originations Net credit losses $1.75bn $117m $536m 2.9% 26% 17% 18% 0.8% 1H25 to 1H26 1H25 to 1H26 1H25 to 1H26 1H25 to 1H26 $1.75bn $536m $117m $2.00bn $140m $600m 5.0% $1.80bn $1.56bn $108m $4
Slide 8: 1H26 highlights
1H26 highlights Normalised NPAT Operating cash profit Operating cost to income Secured assets on book ($4.6m) $9.9m 28% 61% ↑23% ↑87%* $15.4m ↑2% ↑1% 80% - $18.0m 40% ($2.0m) 70% 60% 62% 61% 28% $16.0m 35% 26% ($4.0m) 24% 1H25 to 1H26 $14.0m 1H25 to 1H26 1H25 to 1H26 1H25 to 1H26 60% 30% ($6.0m) ($4
Slide 9: Strengthening performance toward profitability
Strengthening performance toward profitability $ million 1H25 1H26 YoY% YoY ($) • Statutory NPAT loss of ($21.9m), a 44% improvement Gross revenue 100.1 117.2 17% 17.1 on prior period driven by 17% revenue growth on a larger loan book and the non-recurrence of $14.3m in Transaction costs (8.5) (13.8
Slide 10: Progress against FY26 strategy
Progress against FY26 strategy Technology leadership Focusing on high credit Expanding and optimising Product innovation and Strong ESG practices quality and secured assets funding programs expansion • Deployment of AI agents • Secured assets stable at 61% • Expanded funding capacity to • Entered ex
Slide 11: Operational highlights
10 Operational highlights Page 10 | (ASX:MME) Public
Slide 12: Horizon
MONEYME's proprietary artificial intelligence on the Horizon platform is driving more efficient operations, faster product development, improved Horizon credit decisioning and better Technology customer experiences. Platform Enhancing credit decisioning Microservice AI architecture Data analytics Se
Slide 13: Our advertising campaigns are increasing our market presence and sales
Our advertising campaigns are increasing our market presence and sales MONEYME enhanced its customer value proposition, distribution channels and brand positioning to capture new customer segments and a larger share of the market. Page 12 | (ASX:MME) Public
Slide 14: In addition to digital marketing, we are building above-the-line brand presence
In addition to digital marketing, we are building above-the-line brand presence supporting direct channel growth Page 13 | (ASX:MME) Public
Slide 15: Scaling while driving strong customer experiences
Scaling while driving strong customer experiences Page 14 | (ASX:MME) Public
Slide 16: Innovation that gives back time
Innovation that gives back time MONEYME’s products are designed to save our customers’ and partners’ most valuable resource – time. By focusing on speed and efficiency, we deliver premium experiences that drive loyalty and advocacy Page 15 | (ASX:MME) Public
Slide 17: How our technology is enabling leading customer experiences
How our technology is enabling leading customer experiences • Intuitive digital application process for all products • Near real-time approval and settlement capability, 7 days a week • Fast customer support on all platforms (calls, live chat, email) • Easy account management on the MONEYME app • Fr
Slide 18: Service that speaks for itself
Service that speaks for itself Near real-time settlements NET PROMOTER SCORE (NPS) EXTERNAL RATING PLATFORMS 24/7 +72 76% of customer calls answered within 4.7/5 10 seconds +3 1.4/5 Average of 4 Average of 4 major banks2 major banks1 1. Major banks' NPS based on latest data reported by the banks to
Slide 19: Vehicle loans - Autopay
Vehicle loans - Autopay 1H26 Autopay loan book Game-changing innovation in the auto sector: secured variable $1bn rate vehicle finance up to $150,000 that settles within 60 minutes, 7 days a week. • Originated over $1.6bn in under 5 years since product launch ($912m, FY25) • 27% 3-year loan book CAG
Slide 20: Personal loans
Personal loans 1H26 Personal loan book Unsecured and secured personal loans up to $70,000, $632m distributed through digital and broker channels to high credit quality customers. • Offered under two brands MONEYME and SocietyOne ($522m, FY25) • We’re attracting a customer base with a large proportio
Slide 21: Credit cards
Credit cards MONEYME is set to grow its credit card portfolio with new credit card products and expanding through white-label strategic partnerships. • New credit card is set to launch in March 2026 • New $300m credit card warehouse established • White-label credit card: first partner Luxury Escapes
Slide 22: ESG performance aligned to future needs
ESG performance aligned to future needs MONEYME advanced its social impact, strengthened its data security, and deepened its environmental insight through a robust physical climate risk assessment - building a strong foundation for future ESG 91.2 Certified B Impact standards and stakeholder value.
Slide 23: Social impact and customers; Governance and data protection; Sustainable growth
Social impact and Governance and data Sustainable customers protection growth • Sponsored 140 children via World Vision • Enhanced customer data protection • Scope 1 and 2 GHG emissions remained partnership through added security layers and low at 2.3 tCO₂e for 1H26 (FY25: 3.9), advanced threat dete
Slide 24: Financial highlights
23 Financial highlights Page 23 | (ASX:MME) Public
Slide 25: Scaling through a multi-channel platform
Scaling through a Loan book vs. Operating leverage Loan origination multi-channel platform Operating cost to closing loan book Closing loan book ↑26% Closing loan book ↑18% 1H25 to 1H26 1H25 to 1H26 $700m • Growth was driven by an expanding broker and dealer $600m $536m network alongside increased d
Slide 26: Quality loan book with sustainable income
Quality loan book with sustainable income • A higher credit quality and longer-term loan book is Gross revenue Net interest margin Risk-adjusted NIM providing for a strong committed revenue base and delivering tangible benefits through improved funding costs and a strengthened risk-adjusted NIM. ↑17
Slide 27: Lower credit losses and arrears rates
Lower credit losses Net credit losses ECL provision to loan book and arrears rates ↓0.8% ↓0.5% 1H25 to 1H26 1H25 to 1H26 5.0% 5.0% 4.3% 4.1% • Net credit losses reduced to 2.9%, continuing a 4.5% 3.7% 3.8% 3.4% 4.0% 4.0% sustained downward trend driven by the shift toward 2.9% 3.5% secured, higher q
Slide 28: Capital structure in place for long term growth ambitions
Capital structure in Cost of funds Total funding capacity place for long term Cost of funds margin Average cash rate ↓0.8% ↑33% growth ambitions Total cost of funds 1H25 to 1H26 1H25 to 1H26 7.4% 7.1% $3.5bn $2.9bn 8.0% 7.0% 6.6% $3.0bn 1H26 funding highlights include: 6.0% 3.1% 3.0% $2.5bn $2.2bn $
Slide 29: Liquidity
Liquidity 1H26 movement in available cash Growing cash generation from a self funding platform • The growth to $33m reflects the compounding benefit $5m of a larger, higher quality book flowing through to stronger cash income generation, with efficient term securitisation deals releasing further cas
Slide 30: Strategy & outlook
29 Strategy & outlook Page 29 | (ASX:MME) Public
Slide 31: Our strategy and key areas of focus
Our strategy and key areas of focus Extending technology Focusing on high credit Expanding and Product innovation and Modelling strong leadership quality and secured optimising funding expansion ESG practices assets programs • AI has been embedded • High growth trajectory while • Capital cost reduct
Slide 32: Medium term targets achieve normalised profit
Medium term targets achieve normalised profit Medium Tracking Key strategies for the medium term 1H26 term targets status Growth in secured assets, leveraging the success of Autopay, alongside a 61% Secured assets on book 55% - 60% On track new credit card product and growth in personal loans (62%,
Slide 33: Normalised NPAT
Scale and profitability Illustration of target scale and profitability outcomes Normalised NPAT trajectory Normalised NPAT (high) Normalised NPAT (low) Stronger recent performance positions the Group at the high end of its profit range relative to average loan portfolio and on track to achieve norma
Slide 34: Questions & Answers
Questions & Answers Page 33 | (ASX:MME) Public
Slide 35: Thank you!
Thank you! On behalf of all at MONEYME Page 34 | (ASX:MME) Public
Slide 36: Additional information
35 Additional information Page 35 | (ASX:MME) Public
Slide 37: Key operating measures
Key operating measures FY23 FY24 FY25 Definition1 1H25 2H25 1H26 Returns 12.3 22.7 (66.6) Statutory NPAT ($m) Per Financial Report (38.8) (27.8) (21.9) N/A2 (8.0) 23.8 Operating cash profit ($m) 1 15.4 8.4 9.9 238.9 214.1 208.0 Gross revenue ($m) Per Financial Report 100.1 107.9 117.2 12.0% 9.8% 7.5
Slide 38: Measure definitions
Measure definitions Note Measure Definition Operating cash profit / (loss) is a management model, unaudited and represents the net impact of the cash inflows and outflows 1 Operating cash profit / (loss) ($m) resulting from MONEYME’s core business activities. This does not include cash movements rel
Slide 39: Income statement
Income statement FY23 FY24 FY25 $ million 1H25 2H25 1H26 230 207 201 Interest income 96 105 114 9 7 7 Other income 4 3 3 239 214 208 Gross revenue 100 108 117 (6) (10) (23) Commission expense (8) (15) (14) 233 204 185 Net revenue 92 93 103 (90) (98) (105) Interest expense (53) (52) (55) - - (14) Los
Slide 40: Operating cash flow accounting adjustments
Operating cash flow accounting adjustments $ million 1H25 1H26 YoY (%) YoY ($) Breakdown of non-cash items Revenue adjustments 8.9 8.2 (8%) (0.7) Commissions 8.0 (1.1) (114%) (9.1) Losses 4.5 4.6 2% 0.1 Other non-cash expenses - 2.8 100% 2.8 Non-cash items1 21.4 14.5 (32%) (6.9) Breakdown of corpora
Slide 41: Balance sheet
Balance sheet FY23 FY24 FY25 $ million 1H25 2H25 1H26 92 74 54 Cash and cash equivalents 97 54 101 1,074 1,162 1,477 Net loan receivables 1,318 1,477 1,664 8 3 - Derivative financial instruments 1 - 1 14 19 19 Other receivables 17 19 20 3 14 14 Deferred tax asset 14 14 13 33 29 26 Intangible assets
Slide 42: Cash flow statement
Cash flow statement FY23 FY24 FY25 $ million 1H25 2H25 1H26 204 183 208 Income from customers 100 108 117 (83) (83) (98) Borrowings interest and fees paid (48) (50) (51) 31 20 15 Income from delinquent asset sales and recoveries 6 9 9 (62) (67) (62) Payments to suppliers and employees (32) (31) (40)
Slide 43: MONEYME's core products
MONEYME’s core products1 Autopay Personal Loans Freestyle Offer range $10,000 - $150,000 $5,000 - $70,000 Credit limit $1,000 - $20,000 Offer term 3 - 7 years 2 - 7 years Repayment over 2 - 5 years Interest-free period N/A N/A Up to 55 days interest-free on online and in-store purchases using Freest
Slide 44: Important notices & disclaimers
Important notices & disclaimers The information contained in this presentation has been prepared by MONEYME Limited (MONEYME or Company). and maintenance. A number of the Company’s products and possible future products contain or will contain open source software, and the company may license some of
Slide 45: moneyme.com.au
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