MONEYME has exceeded its FY25 operating cash profit expectations by 20%, driven by robust loan book expansion and improved credit quality, while gearing up for a major credit card launch.
- FY25 operating cash profit beats expectations by 20%, reaching $24 million
- Loan book grows 28% year-on-year to $1.6 billion, fueled by personal and car loans
- Net credit losses improve to 3.4%, reflecting higher credit quality and secured assets
- Achieves Mastercard principal issuer status and partners with Episode Six for credit card innovation
- Completes $200 million ABS deal, reducing funding costs and expanding warehouse capacity
Strong Financial Performance and Loan Growth
MONEYME has delivered a standout fourth quarter and full-year FY25 performance, surpassing its operating cash profit (OCP) expectations by 20%, with a reported $24 million in OCP. The company’s loan book expanded significantly, reaching $1.6 billion by the end of June 2025, a 28% increase compared to the prior corresponding period. This growth was underpinned by increased loan originations, particularly in high credit quality segments such as car finance and personal loans.
Revenue remained steady at $55 million for the quarter, consistent with the previous year and up 4% on the prior quarter. This stability reflects the company’s strategic focus on a more secure, longer-dated loan book, which now comprises 62% secured assets, up from 55% a year earlier.
Improved Credit Quality and Funding Efficiency
Credit performance showed marked improvement, with net credit losses falling to 3.4% in 4Q25 from 4.5% a year earlier. This reduction aligns with MONEYME’s emphasis on lending to higher credit quality borrowers and increasing the proportion of secured loans. The average credit score of the loan book rose to 790, indicating a stronger borrower profile.
Funding efficiencies also contributed to the strong financial results. MONEYME completed a $200 million personal loan asset-backed securities (ABS) transaction in July 2025, which lowered funding costs and expanded warehouse capacity to $2.3 billion. Additionally, the company drew an extra $10 million from its $125 million iPartners corporate facility to support loan book growth, while ongoing improvements in funding cost structures are expected to sustain profitability.
Strategic Partnerships and Product Innovation
July 2025 marked a significant milestone as MONEYME gained Mastercard principal issuer status, granting greater control over its credit card offerings and distribution. The company also partnered with global payment technology provider Episode Six to upgrade its credit card infrastructure, enabling faster product rollouts and customized features. A revamped credit card product is slated for launch within calendar year 2025, signaling MONEYME’s intent to diversify its product suite and deepen customer engagement.
Technology remains a core pillar of MONEYME’s strategy. The ongoing adoption of its AI platform, AIDEN®, is designed to enhance operational efficiencies, improve credit risk management, and elevate customer experiences. Management highlights the integration of agentic AI as a key driver for future innovation and competitive advantage.
Outlook and Strategic Priorities
Looking ahead to FY26, MONEYME expects continued strong loan book growth, further improvements in credit performance, and sustained healthy risk-adjusted margins. The company plans to capitalize on capital efficiency gains from optimized funding structures and an expanded capital program. Its five strategic priorities include extending technology leadership, maintaining a focus on secured and high-quality lending, optimizing funding costs, expanding product offerings, especially credit cards and Autopay, and embedding strong ESG practices to appeal to socially conscious consumers and investors.
CEO Clayton Howes emphasized the company’s momentum and confidence in its strategy, noting strong offshore investor demand for the recent ABS deal and the groundwork laid for the upcoming credit card launch. MONEYME’s commitment to delivering bank-beating credit experiences through innovation and technology positions it well in the competitive consumer finance landscape.
Bottom Line?
MONEYME’s robust FY25 results and strategic moves set the stage for accelerated growth and innovation in FY26, but investors will watch closely how new credit products and AI integration translate into sustained profitability.
Questions in the middle?
- How will the upcoming credit card launch impact MONEYME’s revenue mix and profitability?
- Can MONEYME maintain its improved credit loss rates amid broader economic uncertainties?
- What role will AI-driven automation play in scaling operations and managing risk going forward?