Education
About Us
Working with TipRanks
Follow Us
Harmoney Corp Ltd (AU:HMY)
ASX:HMY
HMY Stock Chart & Stats
AU$0.88
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$0.88
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$0.41 - AU$1.00
Previous CloseN/A
Volume13.14K
Average Volume (3M)84.84K
Market Cap
AU$82.73M
Enterprise ValueAU$1.05B
Total Cash (Recent Filing)AU$56.66M
Total Debt (Recent Filing)AU$890.24M
Price to Earnings (P/E)9.3
Beta0.88
Next Earnings
Aug 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
Shares Outstanding104,056,720
10 Day Avg. Volume44,511
30 Day Avg. Volume84,840
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)1.59
Price to Sales (P/S)0.45
P/FCF Ratio1.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.49Price Target Upside68.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained 63.5% revenue growth indicates the platform is scaling and gaining borrower adoption. For a digital lender this durable top-line expansion supports network effects, increases data for credit models, and lays a foundation for future cross-sell and product expansion that can compound over multiple quarters.
High Operating MarginsExceptionally high gross and operating margins reflect low incremental costs per loan and efficient servicing technology. These structural economics mean additional volume can flow to the bottom line faster than in traditional banks, enabling reinvestment in credit analytics and marketing while maintaining profitability at scale.
Cash GenerationRobust free cash flow growth and strong operating-cash metrics show the business converts earnings into liquidity. Durable cash generation reduces reliance on external funding for operations or product development, supports deleveraging, and provides flexibility to withstand funding market cycles common to fintech lenders.
Bears Say
High LeverageA very high debt-to-equity ratio creates long-term refinancing and interest-rate sensitivity for a consumer lender. Heavy leverage limits strategic flexibility, raises funding costs if market conditions tighten, and magnifies earnings volatility from credit losses or rate moves, constraining durable stability.
Low Net MarginDespite strong operating margins, a low net margin indicates funding costs, provisions, or non-operating charges are eroding ultimate profitability. Structurally this reduces retained earnings accumulation, slows equity rebuild after shocks, and limits capital available for strategic initiatives or buffer against credit cycles.
Thin Equity BaseA low equity ratio signals a thin capital cushion relative to assets, increasing sensitivity to loan impairments and regulatory capital pressure for a lending franchise. Moderate ROE does not fully compensate for the heightened capital risk, making long-term resilience dependent on successful deleveraging or capital raises.
Harmoney Corp Ltd News
HMY FAQ
What was Harmoney Corp Ltd’s price range in the past 12 months?
Harmoney Corp Ltd lowest share price was AU$0.41 and its highest was AU$1.00 in the past 12 months.
What is Harmoney Corp Ltd’s market cap?
Harmoney Corp Ltd’s market cap is AU$82.73M.
When is Harmoney Corp Ltd’s upcoming earnings report date?
Harmoney Corp Ltd’s upcoming earnings report date is Aug 20, 2026 which is in 178 days.
How were Harmoney Corp Ltd’s earnings last quarter?
Harmoney Corp Ltd released its earnings results on Feb 19, 2026. The company reported AU$0.058 earnings per share for the quarter, beating the consensus estimate of AU$0.041 by AU$0.017.
Is Harmoney Corp Ltd overvalued?
According to Wall Street analysts Harmoney Corp Ltd’s price is currently Undervalued.
Does Harmoney Corp Ltd pay dividends?
Harmoney Corp Ltd does not currently pay dividends.
What is Harmoney Corp Ltd’s EPS estimate?
Harmoney Corp Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Harmoney Corp Ltd have?
Harmoney Corp Ltd has 104,056,720 shares outstanding.
What happened to Harmoney Corp Ltd’s price movement after its last earnings report?
Harmoney Corp Ltd reported an EPS of AU$0.058 in its last earnings report, beating expectations of AU$0.041. Following the earnings report the stock price went up 8.176%.
Which hedge fund is a major shareholder of Harmoney Corp Ltd?
Currently, no hedge funds are holding shares in AU:HMY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Harmoney Corp Ltd Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
AU$1.49 (68.81% Upside)
AU$1.49 (68.81% Upside)
Blogger Sentiment
Bullish
AU:HMY Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth €12.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
15.56%
Trailing 12-Months
Asset Growth
0.26%
Trailing 12-Months
Company Description
Harmoney Corp Ltd
Harmoney Corp Limited provides online unsecured personal loans in Australia and New Zealand. The company's personal loans are used for various purposes, including debt consolidation, home improvement, wedding, car, holiday, education, business, and medical expenses. It distributes its loan products through Stellare, a digital lending platform. The company was incorporated in 2014 and is headquartered in Newmarket, New Zealand.
HMY Stock 12 Month Forecast
Average Price Target
AU$1.49
▲(68.81% Upside)
Technical Analysis
Options Prices
Currently, No data available
---