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Harmoney(ASX) HMY

Market CapA$78.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)-78%
5 Year-60%
1 Year-8%
1 Month-4%
A$0.77
+0.66%
+0.01Today
Harmoney last closing stock price
MetricPriceDate
Last closeAUD 0.772026-09-04
Harmoney stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%AUD 0.772026-08-28
1 month-4.38%AUD 0.802026-08-05
3 month-4.38%AUD 0.802026-06-05
Year to date-15.93%AUD 0.912025-12-31
1 year-7.83%AUD 0.832025-09-04
3 year+61.05%AUD 0.482023-09-05
5 year-59.84%AUD 1.912021-09-03
Since inception-77.83%AUD 3.452020-11-19

Harmoney Financials at a Glance

Market Cap

A$78.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

A$276.77M

Net Income (TTM)

A$15.76M

EPS (TTM)

A$0.10

P/E Ratio

7.74

Dividend

A$0.00

Beta (Volatility)

-0.12 (Low)

Price

A$0.77

Volume

38,565

Open

A$0.78

Previous Close

A$0.77

Daily Range

A$0.77 - A$0.79

52-Week Range

A$0.63 - A$1.00

Estimated Earnings Date

Feb 25, 2027

HMY News

No articles available.

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About Harmoney

Harmoney Corp Limited is a leading provider of online, unsecured personal financing solutions in Australia and New Zealand. Established in 2014, the company offers a range of loans tailored to various customer needs through its proprietary digital lending platform, Stellare.

Products and Services
  • Unsecured personal loans for debt consolidation and home renovations
  • Funding options for weddings, vehicle purchases, and holidays
  • Financial solutions for educational pursuits and business capital
Growth Outlook
  • Revenue increased to AUD 73.03 million in the latest quarter
  • Operating income margin improved to 52.9% in Q4 2026
  • Net income reached AUD 4.18 million, reflecting strong profitability
Financial Highlights
  • Trailing twelve months (TTM) P/E ratio stands at 8.10, indicating potential value
  • Gross profit margin of 89.7% demonstrates effective cost management
  • Cash flow from operations totaled AUD 23.15 million in the latest quarter
Harmoney Corp Limited has positioned itself as a significant player in the personal finance sector, leveraging technology to streamline the lending process. The company's recent financial performance highlights its ability to generate substantial revenue and maintain strong profit margins. With a focus on customer needs and a robust digital platform, Harmoney is well-equipped to capitalize on growth opportunities in the evolving financial landscape. The impressive cash flow from operations further underscores the company's financial health, making it an intriguing option for potential investors.
AI Generated • Aug 24, 2026

Industry

Consumer Finance

CEO

David John Stevens

Headquarters

Auckland, AUK 1010, NZ

HMY Financials

Key Financial Metrics (TTM)

Gross Margin

89.70%

Operating Margin

53.40%

Net Income Margin

7.06%

Return on Equity

22.86%

Return on Capital

8.37%

Return on Assets

1.10%

Earnings Yield

12.92%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

A$78.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

103.01M

Volume

38.56K

Avg. Volume

32.67K

Financials (TTM)

Gross Profit

A$247.68M

Operating Income

A$152.96M

EBITDA

A$142.19M

Operating Cash Flow

A$75.67M

Capital Expenditure

-A$9.17M

Free Cash Flow

A$66.50M

Cash & ST Invst.

A$43.20M

Total Debt

A$877.95M

Harmoney Performance Analysis

Harmoney annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-06-30AUD 106,621,00047.2%
20242024-06-30AUD 121,768,00014.2%
20252025-06-30AUD 131,828,0008.3%
20262026-06-30AUD 144,971,00010.0%
Harmoney sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-313.7%
Q42025-06-304.6%
Q22025-12-316.7%
Q42026-06-301.6%
Harmoney annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-06-30AUD -0.07-60.1%
20242024-06-30AUD -0.1373.5%
20252025-06-30AUD 0.05N/A
20262026-06-30AUD 0.1082.6%
Harmoney sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-12-31116.4%
Q42025-06-3074.6%
Q22025-12-3169.2%
Q42026-06-30-30.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2026YOY CHG

Revenue

A$73.03M

+17.5%

Gross Profit

A$65.71M

+19.8%

Gross Margin

89.97%

N/A

Market Cap

A$78.80MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

A$997.46K

N/A

Employees

79

N/A

Net Income

A$4.18M

+133.2%

EBITDA

A$32.23M

-3.7%

Quarterly Fundamentals

Name
Q4 2026YOY CHG

Total Cash

A$43.20M

+14.5%

Total Debt

A$877.95M

+18.7%

Accounts Receivable

A$855.57M

+17.8%

Inventory

A$0.00

-100.0%

Long Term Debt

A$877.46M

+18.6%

Short Term Debt

A$495.00K

-10.5%

Return on Assets

1.10%

N/A

Return on Invested Capital

8.30%

N/A

Free Cash Flow

A$21.05M

+68.8%

Operating Cash Flow

A$23.15M

+55.9%

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Questions About HMY

What is the current price of Harmoney?

Harmoney is trading at A$0.77 per share.

What is the 52-week range for Harmoney?

Over the past 52 weeks, Harmoney has traded between A$0.63 and A$1.00.

How much debt does Harmoney have?

As of the most recent reporting period, Harmoney reported total debt of A$877.95M.

How much cash does Harmoney have on hand?

Harmoney reported A$43.20M in cash and cash equivalents in its most recent financial results.

What is Harmoney’s dividend yield?

Harmoney does not currently have a dividend yield.

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