MONEYME has posted a standout FY25 performance, delivering operating cash profit of $24 million alongside loan origination growth of 54%.
The results position the ASX-listed digital lender for continued expansion, underpinned by strong credit quality and AI-driven innovation.
The strong result comes as digital lenders gain market share in Australia, with consumers increasingly seeking fast, tech-enabled credit solutions.
MONEYME reported loan originations surged 54% to $915 million, with its loan book growing 28% to $1.6 billion. The group achieved an operating cash profit of $24 million, a major turnaround from the $8 million loss posted in FY24.
Total funding capacity also rose 20% to $2.1 billion, highlighting the group’s strengthened capital position.
Credit quality metrics improved across the board. The average customer Equifax score lifted to 790 from 763, while net credit losses fell to 3.4% from 4.5%.
Secured assets now make up 62% of MONEYME’s loan book, compared with 55% previously. The company also lowered its cost of funds to 7.1%, down from 7.8%.
The company credited its proprietary AIDEN AI platform for helping deliver up to 30% higher customer satisfaction.
More than 500,000 developer hours have been invested in its Horizon technology platform, supporting advanced generative and agentic AI deployment.
This positions MONEYME ahead of traditional lenders in leveraging AI to deliver faster, more transparent experiences to its “Generation Now” customer base.
During FY25, MONEYME secured a new $125 million corporate facility with iPartners on improved terms, replacing its previous facility. It also completed its inaugural auto ABS deal worth $517.5 million – the largest to date and its first in the auto asset class.
With strong operating cash flows and $50 million in undrawn corporate facility capacity, the lender said it is well-capitalised to pursue growth ambitions.
MONEYME outlined medium-term targets, aiming for a loan book of $2–2.5 billion. Growth will be supported by:
MONEYME, which found “mortgage meaning” among the most Googled financial terms, said its transition from high growth to profitable growth reflects the strength of its AI-powered platform, which is enabling superior customer experiences while maintaining strong credit standards.
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