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Harmoney

(ASX) HMY

Current PriceA$0.73
Market CapA$74.68MMarket 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)-79%
5 Year-68%
1 Year+25%
1 Month-15%
Harmoney last closing stock price
MetricPriceDate
Last closeAUD 0.732026-07-17
Harmoney stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.61%AUD 0.762026-07-10
1 month-14.71%AUD 0.852026-06-17
3 month-12.65%AUD 0.832026-04-17
Year to date-20.33%AUD 0.912025-12-31
1 year+25%AUD 0.582025-07-17
3 year+98.63%AUD 0.372023-07-18
5 year-67.78%AUD 2.252021-07-16
Since inception-78.99%AUD 3.452020-11-19

Harmoney Financials at a Glance

Market Cap

A$74.68MMarket 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$265.88M

Net Income (TTM)

-A$1.02M

EPS (TTM)

A$0.09

P/E Ratio

7.83

Dividend

A$0.00

Beta (Volatility)

-0.15 (Low)

Price

A$0.73

Volume

554

Open

A$0.72

Previous Close

A$0.73

Daily Range

A$0.72 - A$0.73

52-Week Range

A$0.57 - A$1.00

Estimated Earnings Date

Aug 20, 2026

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 loan products tailored to meet diverse customer needs through its proprietary digital lending platform, Stellare.

Products and Services
  • Unsecured personal loans for various purposes
  • Debt consolidation and home renovation financing
  • Funding for education, vehicles, and medical expenses
Growth Outlook
  • Revenue increased to AUD 71.9 million in the latest quarter
  • Operating income margin improved to 53.85% in Q2 2025
  • Strong demand for personal loans supports future growth potential
Financial Highlights
  • Net income of AUD 6.1 million reported for Q2 2025
  • Gross profit margin reached 89.43% in the latest quarter
  • Trailing twelve months P/E ratio stands at 8.69
Harmoney Corp Limited has established itself as a significant player in the financial services sector, focusing on personal loans. The company's innovative digital platform enhances customer experience and operational efficiency. Recent financial performance indicates a positive trajectory, with substantial revenue growth and improved profit margins. The strong demand for personal loans positions Harmoney favorably for continued expansion in the competitive lending market. Investors may find the company's growth potential and solid financial metrics appealing as it navigates the evolving landscape of personal finance.
AI Generated • Jun 22, 2026

Industry

Consumer Finance

CEO

David John Stevens

Headquarters

Auckland, AUK 1023, NZ

HMY Financials

Key Financial Metrics (TTM)

Gross Margin

88.59%

Operating Margin

54.59%

Net Income Margin

6.87%

Return on Equity

24.85%

Return on Capital

8.78%

Return on Assets

1.05%

Earnings Yield

12.77%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

A$74.68MMarket 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

554

Avg. Volume

24.24K

Financials (TTM)

Gross Profit

A$236.80M

Operating Income

A$136.69M

EBITDA

A$143.42M

Operating Cash Flow

A$67.36M

Capital Expenditure

-A$9.44M

Free Cash Flow

A$57.92M

Cash & ST Invst.

A$50.12M

Total Debt

A$859.70M

Harmoney Performance Analysis

Harmoney annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30AUD 72,417,688N/A
20232023-06-30AUD 106,621,00047.2%
20242024-06-30AUD 121,768,00014.2%
20252025-06-30AUD 131,828,0008.3%
Harmoney sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-302.9%
Q22024-12-313.7%
Q42025-06-304.6%
Q22025-12-316.7%
Harmoney annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30AUD -0.19N/A
20232023-06-30AUD -0.07-60.1%
20242024-06-30AUD -0.1373.5%
20252025-06-30AUD 0.05N/A
Harmoney sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30-1933.9%
Q22024-12-31116.4%
Q42025-06-3074.6%
Q22025-12-3169.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

A$71.90M

+19.1%

Gross Profit

A$64.30M

+24.9%

Gross Margin

89.43%

N/A

Market Cap

A$74.68MMarket 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$995.73K

N/A

Employees

75

N/A

Net Income

A$6.06M

+1114.3%

EBITDA

A$32.34M

-0.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

A$50.12M

+22.3%

Total Debt

A$859.70M

+16.1%

Accounts Receivable

A$827.66M

+14.2%

Inventory

A$0.00

N/A

Long Term Debt

A$859.70M

+16.1%

Short Term Debt

A$0.00

N/A

Return on Assets

1.05%

N/A

Return on Invested Capital

8.37%

N/A

Free Cash Flow

A$15.12M

+112.4%

Operating Cash Flow

A$17.48M

+85.0%

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Questions About HMY

What is the current price of Harmoney?

Harmoney is trading at A$0.73 per share.

What is the 52-week range for Harmoney?

Over the past 52 weeks, Harmoney has traded between A$0.57 and A$1.00.

How much debt does Harmoney have?

As of the most recent reporting period, Harmoney reported total debt of A$826.77M.

How much cash does Harmoney have on hand?

Harmoney reported A$52.62M 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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