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MoneyMeASX:MME Debt-to-Equity is 17.03 as of Dec. 2025, which is 140% above its 10-year median of 7.11. The stock has 5 warning signs investors should review. Among 456 Credit Services companies, MoneyMe ranks worse than 98.03% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for MoneyMe's Debt-to-Equity or its related term are showing as below:
ASX:MME'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.86 Med: 7.11 Max: 26.57
Current: 17.03
During the past 7 years, the highest Debt-to-Equity Ratio of MoneyMe was 26.57. The lowest was 1.86. And the median was 7.11.
ASX:MME's Debt-to-Equity is ranked worse than 98.03% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs ASX:MME: 17.03
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
MoneyMe Debt-to-Equity Related Terms
MoneyMe Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for MoneyMe's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MoneyMe's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where MoneyMe's Debt-to-Equity 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.
MoneyMe (ASX:MME) has a Debt-to-Equity of 17.03 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MoneyMe and its competitors. This is 140% above median its historical median of 7.11. Over the past decade, MoneyMe's Debt-to-Equity has ranged from 1.86 to 26.57. According to the industry distribution chart, MoneyMe ranks #447 out of 456 companies in the Credit Services industry, placing it in the top 98%.
Is MoneyMe's Debt-to-Equity too high?
MoneyMe's current Debt-to-Equity of 17.03 is 140% above median its 10-year median of 7.11. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 26.57. The Credit Services industry median Debt-to-Equity is 1.24. MoneyMe's value of 17.03 is 1278.9% above this industry median. Based on the distribution chart, MoneyMe ranks #447 out of 456 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does MoneyMe's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, MoneyMe ranks #447 out of 456 companies for Debt-to-Equity. This places MoneyMe in the lower half of its industry. The industry median Debt-to-Equity is 1.24. MoneyMe's value of 17.03 is 1278.9% above this benchmark. Historically, MoneyMe's own Debt-to-Equity has ranged from 1.86 to 26.57 over the past decade. While the company's 10-year median is 7.11 vs. the industry median of 1.24, 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MoneyMe's current Debt-to-Equity of 17.03 is 1278.9% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MoneyMe and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MoneyMe's current Debt-to-Equity is 17.03, which is 140% above median its own 10-year median of 7.11. 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 20% below its estimated fair value. The current Debt-to-Equity is 17.03, which is 140% above median its 10-year median of 7.11 and 1278.9% above the Credit Services industry median of 1.24. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For MoneyMe (ASX:MME), the current Debt-to-Equity is 17.03 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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