• Loan book increased by 26% to $1.65bn
• Loan originations up 18% to $261m
• Gross revenue increased 15% to $58m
• Net credit losses improved to 3.1%

MONEYME is pleased to provide its first quarter trading results for the period ending 30 September 2025. The company delivered another strong quarter in 1Q26, with increased originations, a larger loan book, and a well-balanced mix of secured and unsecured assets. Revenue, credit performance and risk-adjusted returns continued on a strong trajectory. The loan book increased by 26% to $1.65bn, with $261m in loan originations, up 18% on the prior corresponding period. Gross revenue increased to $58m for 1Q26, up 15% on the prior corresponding period, reflecting the growth in the loan book. MONEYME's strategy to achieve sustainable returns, balancing product mix and credit quality, has delivered lower credit losses, a reduction in cost of funds, and an increasing risk-adjusted net interest margin. The average credit score of the loan book increased to 796 for 1Q26, up 3% on the prior corresponding period. The ratio of secured assets was 62% for 1Q26, up 4% on the prior corresponding period. With the higher credit quality and secured loan asset mix continuing to deliver strong results, net credit losses improved to 3.1% for 1Q26, significantly down on prior periods. MONEYME delivered several technology and product updates in 1Q26 to support higher-quality growth across the product portfolio, including enhanced risk-based pricing models, the launch of Autopay into the private car sales market, and preparations for a new credit card offering in the second half of FY26. The company continues to invest in AI across the business, deploying specialised AI agents and multi-agent systems to enhance operational workflows and business decisioning.

MONEYME is on track to deliver its medium-term outlook, with continued growth and improving profitability in line with enhanced credit performance and risk-adjusted margins. This will be further supported by the roll out of new products and expanded distribution channels.

MONEYME's five strategic priorities remain: 1) Extending the company's technology advantage through artificial intelligence and automation, 2) Maintaining focus on secured and high credit quality lending, 3) Optimising funding costs, 4) Expanding the product set with new credit card offers and expanded Autopay offerings, and 5) Modelling strong ESG practices.