Harmoney logo

Harmoney(ASX) HMY

Market CapA$75.19MMarket 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-61%
1 Year-20%
1 Month-9%
A$0.73
-3.31%
-0.02Today
Harmoney last closing stock price
MetricPriceDate
Last closeAUD 0.732026-09-25
Harmoney stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.55%AUD 0.712026-09-18
1 month-8.75%AUD 0.802026-08-26
3 month-7.59%AUD 0.792026-06-26
Year to date-19.78%AUD 0.912025-12-31
1 year-20.22%AUD 0.922025-09-25
3 year+40.38%AUD 0.522023-09-26
5 year-61.17%AUD 1.882021-09-24
Since inception-78.84%AUD 3.452020-11-19

Harmoney Financials at a Glance

Market Cap

A$75.19MMarket 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

7.39

Dividend

A$0.00

Beta (Volatility)

-0.11 (Low)

Price

A$0.73

Volume

154,618

Open

A$0.75

Previous Close

A$0.73

Daily Range

A$0.73 - A$0.75

52-Week Range

A$0.63 - A$1.00

Estimated Earnings Date

Feb 25, 2027

HMY News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

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 educational, medical, and business expenses
Growth Outlook
  • Revenue of AUD 73.03 million in the latest quarter
  • Net income increased to AUD 4.18 million, reflecting strong operational performance
  • Consistent growth in customer base and loan origination volume
Financial Highlights
  • Trailing twelve months (TTM) P/E ratio of 7.89 indicates attractive valuation
  • Gross profit margin of 89.7% demonstrates strong profitability
  • Operating income of AUD 38.67 million in the latest quarter
Harmoney Corp Limited has positioned 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 robust growth trajectory, with increasing revenues and profitability. The strong gross profit margin reflects effective cost management and a solid business model. With a favorable P/E ratio, Harmoney presents an appealing opportunity for potential investors looking to enter the financial services market.
AI Generated • Sep 23, 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

13.53%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

A$75.19MMarket 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

154.62K

Avg. Volume

35.06K

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$75.19MMarket 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$895.17K

N/A

Employees

84

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%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
CAF.AXCentrepoint Alliance Limited
A$0.37+0.00%
WAA.AXWAM Active Limited
A$1.04-1.89%
CAM.AXClime Capital Limited
A$0.67-0.74%
MME.AXMoneyMe Limited
A$0.07+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
GLNDGreenland Energy
$5.54+3.55%
INTCIntel
$123.00-3.45%
NVDANvidia
$225.07+0.22%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x ETF
$9.94-3.02%

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$0.63 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.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.