Moneyme Ltd FY26 Results: Loan Book Exceeds $2bn, Normalised NPAT Turns Positive
Key points
- Loan book increased by 34% to $2.08bn
- Normalised NPAT turned positive in 2H26 with a loss of $4.1m
- Gross revenue of $248.8m, up 20% from FY25
- Secured assets represent 59% of the loan book
- Net credit losses fell to an all-time low of 2.4%
Full summary
Moneyme Ltd announced its financial results for the year ending 30 June 2026, reporting a 34% increase in its loan book to $2.08bn, driven by record originations of $1.23bn. Gross revenue rose 20% to $248.8m, supported by a larger, higher quality loan portfolio with secured assets making up 59% of the loan book. Net credit losses improved to an all-time low of 2.4%, enhancing the risk-adjusted NIM to 2.4%. The company also reported a statutory NPAT loss of $40.1m, a 40% improvement from the previous year, and a normalised NPAT loss of $4.1m, marking an important earnings inflection point with positive normalised profitability in the second half. Operating cash profit stood at $11.0m, demonstrating continued underlying cash generation.
Guidance
FY27 Normalised NPAT expected to be in a positive range between breakeven and $7m
Outlook
Moneyme enters FY27 with a larger, higher-quality loan book, an efficient operating model, and multiple growth levers. The company expects increased operating leverage and sustainable long-term earnings growth.
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