Appendix 4D and 2026 Interim Report
| Stock | Moneyme Ltd (MME.ASX) |
|---|---|
| Release Time | 19 Feb 2026, 8:46 a.m. |
| Price Sensitive | Yes |
MONEYME reports 1H26 results, delivering strong growth and improved resilience
- Loan book expanded to $1.75 billion, driven by growth across vehicle finance and personal lending
- Credit performance improved, with lower net credit losses, better arrears, and higher average customer credit scores
- Funding platform expanded with $455.4 million Autopay securitisation and new $300 million credit card warehouse
In the first half of FY26 (1H26), MONEYME delivered strong growth, improved credit quality, and enhanced funding capacity, positioning the business for sustainable long-term profitability. The loan book expanded to $1.75 billion, driven by growth across vehicle finance and personal lending. Importantly, this growth was achieved with lower credit losses, improving arrears, and a stronger risk-adjusted margin profile. The company continued to execute on its strategy of building a technology-led, high-quality lending platform, with further investment in its proprietary Horizon platform and AI capabilities. This is translating into improved customer experience, greater operational efficiency, and sharper credit assessment. MONEYME also strengthened its funding platform, completing a $455.4 million Autopay securitisation and establishing a new $300 million credit card warehouse on improved terms. These transactions expand capacity, reduce cost of funds, and strengthen access to capital. The company remains focused on product diversification, with the launch of a new credit card offering and a white label partnership with Luxury Escapes planned for the second half of FY26. As a Certified B Corporation, MONEYME continues to embed environmental, social, and governance considerations into its decision-making, progressing sustainability reporting, strengthening customer safeguards, and supporting community initiatives.
MONEYME expects continued momentum in 2H26, with further loan book growth, strong credit performance, improving funding economics, and continued product execution. As scale increases, operating leverage is expected to continue building, positioning the company to deliver sustainable growth and profitability.