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Moneyme Ltd (MME) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Moneyme Ltd stock A$0.11, price A$0.07, upside +69.5%, quality 44 out of 100. Rating: strongly undervalued. Calculated from audited financials with 2 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services AU · ISIN AU0000066045

ML Moneyme Ltd logo Thin data Nov 7, 2026

Moneyme Ltd

MME · AU
Cheap, value-trap risk

The stock costs 41% less than our calculation considers fair.

Fair value A$0.1119 · Strongly undervalued
Profit last quarter +134% vs. a year ago.
Quality 44/100
Mixed Growth (revenue 5y +34.2 %/yr in AUD)
Mixed vs. peers (5/12)
Loss-making · -110.0% net margin (TTM)
Narrow moat 11/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$2.32 A$0.0480 Fair Value A$0.1119 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range A$0.0480 – A$2.32 · fair‑value band A$0.0431 – A$0.2191 · the A$0.0660 price screens below the A$0.1119 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.

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Company profile

MoneyMe Limited provides digital consumer finance services in Australia.

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The company offers various loans, including personal, car, refinance, medical expenses, student, home renovation, kitchen and bathroom renovation, wedding, boat, pet and cosmetic surgery, dental surgery, appliance purchase, travel, and holidays; autopay secured vehicle finance; credit cards; and debt consolidation.

It provides its products under the MONEYME and SocietyOne brands through brokers; dealers; and direct channels, such as its website and mobile app. MoneyMe Limited was founded in 2013 and is based in Sydney, Australia.

Stock analysis

Moneyme Ltd (MME) currently trades at A$0.0660, while our model-based Fair Value estimate is A$0.1119, implying the stock looks roughly 41% undervalued today.

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Valuation

How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: A$0.0431 (bear) to A$0.2191 (bull), the price of A$0.0660 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Moneyme Ltd reported revenue of A$249M in FY2026 versus A$143M in FY2022, a compound +14.8%/yr. Reported net income was −A$40.1M in FY2026.

Key figures

Market cap A$53.7M (≈ $37.0M) Micro · P/S ratio 1.35 · EPS (TTM) A$−0.0500 · Net margin −110% · Return on equity −38.2% · Return on assets (EBIT) 3.0% (5-year average) · Operating margin −88.6% · Revenue growth (YoY) +706%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 11 out of 100 (low confidence).

What moves the price

The share trades about 49% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 70%, MME screens cheaper than that median.

Fair Value models

Bear A$0.0431 Fair Value A$0.1119 Bull A$0.2191
Price A$0.0660 · Upside +69.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF A$0.3300 A$1.41 A$3.09 68
Rev-Margin DCF n/a A$0.1900 >A$0.7600 67
All 2 models by family
Growth DCF
Growth DCF A$0.3300 A$1.41 A$3.09 68
Rev-Margin DCF n/a A$0.1900 >A$0.7600 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 6
How much profit the company makes from its sales and capital
Quality Growth 74
Are margins and returns getting better?
Cashflow 99
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 68
Does it invest with discipline instead of growing at any price?
Low Volatility 1
How calm the share price moves, does not count
Price momentum 14
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 6
Distance to the 52-week high, does not count
New shares 33
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 58/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.2%
Start year 2021 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.7%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
3.1% (2021) → 31.7% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 44 · Below median
Fair Value upside +69.5% · Above median
Profitability
Return on assets −1.8% · Bottom 25%
Net margin (12 months) −110.0% · Bottom 25%
Operating margin (12 months) −88.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 706.0% · Top 25%
Balance sheet
Debt / equity 13.40× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.62× · Cheapest 25%
P/S (12 months) 1.47× · Cheaper than median
Price / free cash flow (fiscal year) 0.7× · Cheapest 25%
EV/EBITDA 14.3× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)0 · sector 39
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 64

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs MME
PayPal Holdings PYPL $59.24 $107.45 +81% vs MME
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs MME
Affirm Holdings AFRM $68.11 $74.92 +10% vs MME
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs MME
American Express Company AXP $320.99 $210.02 −35% vs MME
Visa Inc V $422.65 $242.87 −43% vs MME
Mastercard Incorporated MA $652.70 $360.13 −45% vs MME
Capital One Financial Corporation COF $201.87 $106.81 −47% vs MME
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs MME

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Moneyme Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Moneyme Ltd Fair Value". https://www.fairvalue-calculator.com/stock/MME

Frequently asked questions

Is Moneyme Ltd (MME) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of A$0.1119 versus a price of A$0.0660, about +70% upside (undervalued).
What is the fair value of MME?
Our model-based fair value for Moneyme Ltd is A$0.1119 (as of Nov 7, 2026), built from audited fundamentals. The current price: A$0.0660.
What is the quality score of MME?
Moneyme Ltd has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Moneyme Ltd (MME)?
Our model-based price target is the fair value of A$0.1119 (as of Nov 7, 2026) from 2 valuation models. Cautious scenario A$0.0431, optimistic scenario A$0.2191. It is a calculation from audited fundamentals, not an analyst target.
What is the Moneyme Ltd stock forecast for 2026?
Our models put fair value at A$0.1119, about +70% upside versus a price of A$0.0660 (undervalued). Cautious scenario A$0.0431, optimistic scenario A$0.2191. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Moneyme Ltd (MME)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Moneyme Ltd it is A$0.1119 per share (as of Nov 7, 2026), against a price of A$0.0660. It is the blended result of 2 valuation models in 1 family (Growth DCF).
Is Moneyme Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MME trades below its calculated fair value: price A$0.0660, fair value A$0.1119, a gap of about +70% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MME?
No. The price is what the market pays today (A$0.0660); the fair value is what the company's own numbers justify (A$0.1119). For Moneyme Ltd the two are A$0.0459 per share apart. That gap is exactly why we show both numbers side by side.
How much is Moneyme Ltd worth?
The market values Moneyme Ltd at about A$53.7M (market capitalisation, as of Nov 7, 2026). Per share that is A$0.0660; our models calculate a fair value of A$0.1119 per share.
What do the bullish and bearish scenarios say about MME?
Our models span a range for Moneyme Ltd: cautious scenario A$0.0431, base A$0.1119, optimistic A$0.2191 per share (as of Nov 7, 2026, price A$0.0660). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Moneyme Ltd (MME)?
Balance-sheet figures for Moneyme Ltd (as of Nov 7, 2026): return on equity −38.2%, debt of 13.40 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is MME from its 52-week high?
Moneyme Ltd trades at A$0.0660, about 49% below its 52-week high of A$0.1300 and 16% above the low of A$0.0570 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.1119 is for.
Which stocks are comparable to Moneyme Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Moneyme Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price A$0.0660, calculated fair value A$0.1119 (+70%), Quality Score 44/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MME calculated?
We run Moneyme Ltd through 2 models from 1 family: Growth DCF. Every model gets the same audited fundamentals; the fair value of A$0.1119 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Moneyme Ltd currently trades 41% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Moneyme Ltd (MME)?
The closing price on Nov 9, 2026 was A$0.0660. Our model-based fair value is A$0.1119, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Moneyme Ltd right now?
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (A$0.0431 to A$0.2191). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Moneyme Ltd

How large is the market capitalisation of Moneyme Ltd (MME)?
The market capitalisation of Moneyme Ltd is A$53.7M (≈ $37.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Moneyme Ltd (MME)?
The price-to-sales ratio of Moneyme Ltd is 1.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Moneyme Ltd (MME)?
Earnings per share at Moneyme Ltd are A$−0.0500. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Moneyme Ltd (MME)?
The net margin of Moneyme Ltd is −110% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Moneyme Ltd (MME)?
The return on equity (ROE) of Moneyme Ltd is −38.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Moneyme Ltd (MME)?
On an EBIT basis the return on assets of Moneyme Ltd is 3.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Moneyme Ltd (MME)?
The operating margin of Moneyme Ltd is −88.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Moneyme Ltd (MME)?
Revenue at Moneyme Ltd is growing +706% versus a year earlier (3y avg +1.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Moneyme Ltd (MME)?
Earnings per share at Moneyme Ltd are growing +134% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Moneyme Ltd (MME) generate?
The free cash flow of Moneyme Ltd is A$72.9M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Moneyme Ltd (MME) carry?
The net debt of Moneyme Ltd is A$2.0B (fiscal year 2026, ≈ 27.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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