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MoneyMeASX:MME Debt-to-EBITDA is 23.20 as of Dec. 2025, which is 138% above its 10-year median of 9.75. The stock has 5 warning signs investors should review. Among 282 Credit Services companies, MoneyMe ranks worse than 83.33% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for MoneyMe's Debt-to-EBITDA or its related term are showing as below:
ASX:MME'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -190.61 Med: 9.75 Max: 142.38
Current: 26.43
During the past 7 years, the highest Debt-to-EBITDA Ratio of MoneyMe was 142.38. The lowest was -190.61. And the median was 9.75.
ASX:MME's Debt-to-EBITDA is ranked worse than 83.33% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs ASX:MME: 26.43
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
MoneyMe Debt-to-EBITDA Related Terms
MoneyMe Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for MoneyMe's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, MoneyMe's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MoneyMe Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MoneyMe's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where MoneyMe's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
MoneyMe (ASX:MME) has a Debt-to-EBITDA of 23.20 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on MoneyMe. This is 138% above median its historical median of 9.75. According to the industry distribution chart, MoneyMe ranks #235 out of 282 companies in the Credit Services industry, placing it in the top 83.3%.
Is MoneyMe's Debt-to-EBITDA too high?
MoneyMe's current Debt-to-EBITDA of 23.20 is 138% above median its 10-year median of 9.75. The Credit Services industry median Debt-to-EBITDA is 9.30. MoneyMe's value of 23.20 is 149.5% above this industry median. Based on the distribution chart, MoneyMe ranks #235 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does MoneyMe's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, MoneyMe ranks #235 out of 282 companies for Debt-to-EBITDA. This places MoneyMe in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. MoneyMe's value of 23.20 is 149.5% above this benchmark. While the company's 10-year median is 9.75 vs. the industry median of 9.30, MoneyMe has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MoneyMe's current Debt-to-EBITDA of 23.20 is 149.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on MoneyMe. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MoneyMe's current Debt-to-EBITDA is 23.20, which is 138% above median its own 10-year median of 9.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MoneyMe stock overvalued right now?
Based on GuruFocus' analysis, MoneyMe (ASX:MME) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.10, compared to a current price of A$0.08 — trading 18% below its estimated fair value. The current Debt-to-EBITDA is 23.20, which is 138% above median its 10-year median of 9.75 and 149.5% above the Credit Services industry median of 9.30. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For MoneyMe (ASX:MME), the current Debt-to-EBITDA is 23.20 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
MoneyMe Ltd is engaged in providing consumer finance. It offers various types of loans personal loans, cash loans, quick cash loans, and short-term loans, among others. It also offers a range of credit cards.
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