• Record loan book of $2.08bn provides a larger earnings base for FY27
• FY26 marked an important earnings inflection point, returning to positive normalised profitability
• Strategic portfolio optimisation improved risk-adjusted returns, with 59% secured assets
• FY26 included targeted investments in AI, credit cards, and new distribution channels
• Operating leverage emerged as scale increased, with revenue growth outpacing expense growth in 2H26

Moneyme Ltd's FY26 results showcased a record loan book of $2.08bn, a 34% growth from FY25, driven by higher-quality originations and strategic investments in AI, credit cards, and new distribution channels. The company achieved an important earnings inflection point, returning to positive normalised profitability in the second half of FY26. The portfolio optimisation resulted in a 59% secured asset mix, supporting lower credit losses and stronger long-term returns. Despite a challenging macroeconomic environment, net credit losses improved to 2.4%, reflecting disciplined execution and higher-quality lending. The strategic investments in FY26 are expected to drive future growth and margin expansion.

FY27 revenue growth expected to be driven by record loan book and improved funding economics

Moneyme Ltd expects FY27 to be a year of sustained outperformance, driven by the record loan book, improved funding economics, and the strategic investments made in FY26.