Moneyme Ltd. · ASX:MME
Moneyme — FY2026 Earnings Presentation
43 slides from Moneyme's earnings presentation, Aug 19, 2026
Slide 1: FY26 Results Investor Presentation
FY26 Results Investor Presentation 19 August 2026 moneyme.com.au Copyright 2026 | MoneyMe Limited | ACN 636 747 414 Page 0 | (ASX:MME) Public
Slide 2: AI-powered digital lender for Generation Now
AI-powered digital lender for Generation Now Page 1 | (ASX:MME) Public
Slide 3: Bank-beating loans and credit cards
Bank-beating loans and credit cards Better rates Digital, yet personal Fast moving Competitive personal and auto loan rates Seamless borrowing experiences and Near real-time credit decisioning to loans compared to the major banks customer calls answered within seconds, that settle within minutes, no
Slide 4: Scaling up with industry-first innovation for over half a million customers
Scaling up with industry-first innovation FY25 FY26 and beyond for over half a million FY24 • $125m iPartners >$2 billion Loan book achieved customers FY23 • B Corp Certification in corporate facility • Two ABS deals completed, including ~$5.8 billion Cumulative originations since August 2023 incept
Slide 5: Executing through the cycle, positioning for sustained outperformance
Executing through the cycle, positioning for sustained outperformance Market dynamics Structural market Technology creating opportunity separation • Higher-rate environment favours agile, • Banks remain focused on capital efficiency and • AI and automation drive faster decisions, lower technology-le
Slide 6: FY26 highlights
01 FY26 highlights Page 5 | (ASX:MME) Public
Slide 7: FY26 execution has built a stronger earnings platform for FY27
FY26 execution has built a stronger earnings platform for FY27 Closing loan book Gross revenue Loan originations Net credit losses $2.08bn $249m $1.23bn 2.4% 34% 20% 34% 1.0pp FY25 to FY26 FY25 to FY26 FY25 to FY26 FY25 to FY26 $2.50bn $300m 5.0% 4.5% $2.08bn $249m $1,400m $1.23bn $2.00bn $250m $214
Slide 8: Investment is beginning to translate into earnings
Investment is beginning to translate into earnings Statutory NPAT Loss Normalised NPAT Loss Operating cash profit Operating cost-to-income $40.1m $4.1m $11.0m 26.8% 40% 74% 20%* 2.2pp FY25 to FY26 FY25 to FY26 FY25 to FY26 FY25 to FY26 * Based on $13.7m operating $22.4m cash profit excluding $10.1m
Slide 9: Strategic portfolio optimisation is improving risk-adjusted returns
Strategic portfolio optimisation is improving risk-adjusted returns Secured assets on book Revenue yield Net interest margin Risk-adjusted net interest margin 59% 14.6% 6.5% 2.4% 3.2pp 1.2pp 1.0pp 0.9pp FY25 to FY26 FY25 to FY26 FY25 to FY26 FY25 to FY26 New FY26 originations 25.0% 7.0% $0.90bn 14.0
Slide 10: Executing strategy creating competitive separation
Executing strategy creating competitive separation Technology Portfolio quality Funding strength Product innovation Trusted brand leadership and expansion Lower costs, faster decisions Better quality growth Higher returns and capacity New revenue opportunities Reputation and resilience • AI embedded
Slide 11: Operational highlights
02 Operational highlights Page 10 | (ASX:MME) Public
Slide 12: Horizon
Artificial intelligence and automation are increasingly embedded across the business through MONEYME’s Horizon proprietary Horizon platform, enhancing speed, improving decision accuracy, and driving significant operating efficiencies Technology Enhancing credit across the company. Platform decisioni
Slide 13: AI-enabled technology innovation delivers premium customer experiences
Our AI-enabled technology innovation delivers premium customer experiences that drive loyalty and +71 advocacy 4.7/5 • Intuitive digital application process for all products • Near real-time approval and settlement capability, 7 days a week 1.4/5 • Easy account management on the MONEYME app +7 Avera
Slide 14: Vehicle loans (Autopay)
Vehicle loans (Autopay) Secured variable rate vehicle finance up to $150,000 FY26 Autopay loan book that settles within 60 minutes, 7 days a week $1.2bn $2.0bn Total originated since launch 38% 3-year loan book CAGR ($912m, FY25) % of total portfolio <5 min 5,600+ Fastest settlement to-date Dealers
Slide 15: Personal loans
Personal loans Unsecured and secured personal loans up to $70,000, FY26 personal loan book distributed through direct and broker channels to high credit quality customers $791m ($522m, FY25) $2.9bn Total originated since launch >50% Loan book growth FY25 to FY26 % of total portfolio • • Offered unde
Slide 16: Credit cards
Credit cards MONEYME is set to grow its credit card portfolio with the FY26 credit card book1 new credit card and further expansion through white-label strategic partnerships. The return to growth strategy will extend our market $89m reach, enhance customer lifetime value through stronger ($106m, FY
Slide 17: Creating more ways for customers to access MONEYME
Creating more ways for customers to access MONEYME We’re making credit more accessible by offering more products through more channels, giving customers greater choice and flexibility as their needs evolve. White-label / Direct-to- Broker Dealer Private sale retail consumer partnerships Vehicle loan
Slide 18: Building above-the-line brand presence supporting direct channel growth
In addition to digital marketing, we are building above-the-line brand presence supporting direct channel growth Page 17 | (ASX:MME) Public
Slide 19: ESG performance aligned to future needs
ESG performance aligned to future needs Social impact Governance and Sustainable and customers data protection growth • 291 children sponsored via World Vision, more than • Enhanced customer data protection through added • Scope 1 and 2 GHG emissions of 4.1 tCO2e, 91.2 Certified B Impact double FY25
Slide 20: Financial highlights
03 Financial highlights Page 19 | (ASX:MME) Public
Slide 21: Operating leverage emerging through disciplined investment
Operating leverage emerging through disciplined investment $ million FY25 FY26 YoY% YoY ($) • Revenue increased 20% to $249m, driven by 34% loan book growth, partially offset by lower yields from the shift Gross revenue 208.0 248.8 20% 40.8 to higher quality lending Transaction costs (23.0) (30.1) (
Slide 22: Strategic growth investment
Strategic growth Operating leverage vs. Loan book Loan origination investment Operating cost to closing loan book Closing loan book 0.1pp Operating leverage 34% FY25 to FY26 FY25 to FY26 34% $1.23bn $1,400m • FY26 included targeted investment in AI, $3.50bn 6.0% Closing loan book $1,200m FY25 to FY2
Slide 23: Quality loan book with sustainable income
Quality loan book with Gross revenue Net interest margin Risk-adjusted NIM sustainable income 20% FY25 to FY26 1.0pp FY25 to FY26 0.9pp FY25 to FY26 • Higher credit quality, longer terms and New FY26 originations are generating >3.5% portfolio growth support a more sustainable RNIM, increasing earni
Slide 24: Lower credit losses and arrears rates
Lower credit losses Net credit losses ECL provision to loan book and arrears rates 1.0pp FY25 to FY26 0.6pp 34% FY25 FY25 to to FY26 FY26 • Net credit losses improved for a third 6.0% 6.0% 4.5% 4.7% consecutive year to 2.4%, reflecting higher 5.0% 5.0% 4.1% 3.4% 3.5% quality originations 4.0% 4.0% 3
Slide 25: Capital structure in place for long term growth ambitions
Capital structure in Cost of funds Total funding capacity place for long term 0.5pp 44% growth ambitions FY25 to FY26 FY25 to FY26 10.0% $3.50bn $3.00bn 7.8% 9.0% $3.00bn 8.0% 7.1% 6.6% $2.09bn FY26 funding highlights include: $2.50bn 7.0% 6.0% $2.00bn $1.73bn 5.0% $1.50bn • Completed three ABS tran
Slide 26: Liquidity
Liquidity FY26 movement in available cash Growing cash generation from a self-funding platform: • The growth to $20m unrestricted cash reflects the compounding benefit of a larger, higher quality $9m book flowing through to stronger cash income generation, with efficient term securitisation deals al
Slide 27: Strategy & outlook
04 Strategy & outlook Page 26 | (ASX:MME) Public
Slide 28: FY27 strategy and key areas of focus
FY27 strategy and key areas of focus MONEYME enters FY27 with greater scale, stronger credit quality and a more efficient operating platform Technology leadership Portfolio quality Funding strength Product innovation and Trusted brand expansion • Scale AI across every • Continue disciplined growth •
Slide 29: Investment in credit card programs expected to contribute to returns as scale builds
Investment in credit card programs is expected to contribute to returns as scale builds over time P&L profile of investment into card programs Strategic investment in the Cashback Rewards and white- label card programs in FY27 expected to impact normalised $30m $30m NPAT as we build up interest-bear
Slide 30: Normalised NPAT
Scale is driving increasing operating leverage Average loan portfolio size vs. Normalised NPAT FY26: Business model validated $100m FY25 / FY26 actuals FY27 FY27 guidance • Positive 2H26 Normalised NPAT ~$2.2bn average loan portfolio Outlook • $2.08bn closing loan book Normalised NPAT • Stronger cre
Slide 31: Medium-term outlook updated to reflect current business momentum
Medium-term outlook updated to reflect current business momentum Medium-term Tracking FY26 Measure Key strategies for the medium term targets1 (vs. FY25) status Target loan book range over the medium term with originations leveraging Autopay, new $1.7bn Average loan portfolio $2.8bn - $3.3bn On trac
Slide 32: Questions & Answers
Questions & Answers Page 31 | (ASX:MME) Public
Slide 33: Thank you!
Thank you! On behalf of all at MONEYME Page 32 | (ASX:MME) Public
Slide 34: Additional information
05 Additional information Page 33 | (ASX:MME) Public
Slide 35: Key operating measures
Key operating measures Definition1 FY24 FY25 FY26 Returns Statutory NPAT ($m) Per Financial Report 22.7 (66.6) (40.1) Operating cash profit ($m) 1 (8.0) 23.8 11.0 Gross revenue ($m) Per Financial Report 214.1 208.0 248.8 Net interest margin (%) 3 9.8% 7.5% 6.5% Operating costs to income (%) 5 22.5%
Slide 36: 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 37: Income statement
Income statement $ million FY24 FY25 FY26 Interest income 207 201 243 Other income 7 7 6 Gross revenue 214 208 249 Transaction costs (10) (23) (30) Net revenue 204 185 219 Interest expense (98) (105) (119) Loss on financial assets at amortised cost - (14) - Operating expenses (48) (51) (67) Loan rec
Slide 38: Operating cash flow accounting adjustments
Operating cash flow accounting adjustments $ million FY25 FY26 YoY (%) YoY ($) Breakdown of corporate and one-off adjustments Non-cash losses 15.1 14.0 (7%) (1.1) Loss on financial assets at amortised cost 14.3 - (100%) (14.3) Other expenses 6.3 3.6 (43%) (2.7) Corporate and one-off adjustments 35.7
Slide 39: Balance sheet
Balance sheet $ million FY24 FY25 FY26 Cash and cash equivalents 74 54 92 Net Assets and Net Tangible Assets (NTA) Net loan receivables 1,162 1,477 1,988 • Net assets $87.1m; NTA $(0.02) per share Derivative financial instruments 3 - 1 • Under AASB 9, the $71.2m ECL provision is recognised upfront b
Slide 40: Cash flow statement
Cash flow statement $ million FY24 FY25 FY26 Income from customers 183 208 249 Borrowings interest and fees paid (83) (98) (111) Income from delinquent asset sales and recoveries 20 15 17 Payments to suppliers and employees (67) (62) (82) Income tax refund received - - - Proceeds from disposal of in
Slide 41: MONEYME's core products
MONEYME’s core products1 Vehicle Loan Personal Loan Credit Card Offer range $10,000 - $150,000 $5,000 - $70,000 Credit limit $1,000 - $20,000 Offer term 3 - 7 years 2 - 7 years Minimum monthly repayments: higher of 3% or $30 Interest-free period N/A N/A Up to 44 days interest-free Interest rate Purc
Slide 42: 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 43: moneyme.com.au
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