• Loan book reaches $1.75bn, up 26% vs 1H25
• Operating cash profit of $9.9m, demonstrating strong underlying performance
• Funding platform significantly strengthened through new facilities

MONEYME Ltd has announced its results for the half year ending 31 December 2025. The company's loan book increased by 26% to $1.75bn, driven by 18% growth in originations to $536m across an expanding broker, dealer and direct-to-consumer network. Gross revenue grew 17% to $117m, underpinned by a larger, higher credit quality portfolio with secured assets at 61% and an average credit score of 799. Net interest margin was 6.8%, down 1% from 1H25, reflecting the shift to secured lending and higher credit quality assets. Risk-adjusted NIM improved to 2.1%, progressing towards the 3-3.5% target. Net credit losses reduced to 2.9%, down from 3.7% in 1H25, with the average credit score in the 'Very Good' category. MONEYME's funding capacity was significantly strengthened through a $455.4m Autopay ABS transaction and a new $300m credit card warehouse facility, increasing total funding capacity to $2.9bn. The company also made progress on AI development, product innovation and expansion, including the launch of a new white-label credit card offering and Autopay for private car sales. MONEYME's ESG performance remained strong, with enhanced customer data protection, maintained ISO 27001 certification, and increased employee engagement.

MONEYME remains focused on executing its strategy and is excited about its product roadmap, including the launch of a new credit card, rolling out more white-label credit card partnerships, and scaling Autopay and personal loans. With increasing scale, growing operating leverage, and ongoing reductions in credit losses and funding costs, the company remains confident of reaching its targets for the period ahead.