Harmoney Corp Ltd (HMY) Price & Analysis

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HMY Stock Chart & Stats

AU$0.86

AU$0.00(0.00%)

At close: Jan 09 4:00 PM EST

AU$0.86

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

€82.73M

Enterprise ValueAU$1.05B

Total Cash (Recent Filing)€56.66M

Total Debt (Recent Filing)€890.24M

Price to Earnings (P/E)9.3

Beta0.88

Next Earnings

Aug 20, 2026

EPS 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

€1.49

Price Target Upside72.76% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering1

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

High Revenue GrowthSustained ~63.5% revenue growth demonstrates strong demand for Harmoney's digital lending platform and successful customer acquisition. This scale expansion supports durable top-line momentum, enhances unit economics over time, and creates scope for reinvestment in product and credit capabilities.

Very Strong Gross And Operating MarginsExceptionally high gross and operating margins indicate a capital-light, scalable platform with low incremental servicing costs. Such structural margins support high cash conversion potential and provide buffer to absorb credit losses or invest in growth while maintaining long-term profitability.

Robust Cash GenerationStrong free cash flow growth and high cash-to-income ratios show the business converts earnings into cash effectively. Durable cash generation supports debt servicing, platform investment, and deleveraging options, improving financial flexibility across 2–6 months and beyond.

Bears Say

High LeverageVery high leverage and a low equity base increase financial vulnerability to interest rate rises or credit stress. Heavy debt reliance limits flexibility for strategic investments or buybacks and raises refinancing risk, making capital structure a material medium-term constraint.

Low Net Profit MarginA low net margin despite strong gross and EBIT margins suggests material non-operating costs—interest, provisions, or other expenses—are eroding bottom-line profitability, constraining retained earnings and limiting the pace at which the company can self-fund growth or reduce leverage.

Concentration In Unsecured Consumer LendingReliance on unsecured personal loans exposes the business to credit cycle volatility, higher default risk, and potential regulatory scrutiny. Structural industry risk can cause earnings and credit losses to swing materially, especially when combined with the company's elevated leverage.

Harmoney Corp Ltd News

Harmoney Sets Date for 1H26 Results and Investor Presentation

Harmoney Corp Ltd ( ($AU:HMY) ) has shared an update. Harmoney Corp Ltd has scheduled the release of...

21d ago

Harmoney Grants 3.12m Performance Rights to Director Under Long-Term Incentive Plan

Harmoney Corp Ltd ( ($AU:HMY) ) has shared an announcement. Harmoney Corp Limited has disclosed a change in...

2M ago

Harmoney Issues 5.9m Unquoted Performance Rights Under Employee Incentive Scheme

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an announcement. Harmoney Corp Limited has notified the market of...

2M ago

Harmoney Issues 3.1 Million Unquoted Performance Rights Under Employee Incentive Plan

The latest update is out from Harmoney Corp Ltd ( ($AU:HMY) ). Harmoney Corp Limited has notified the...

2M ago

Harmoney Corp Ltd Announces Successful Shareholder Meeting Outcomes

Harmoney Corp Ltd ( ($AU:HMY) ) has provided an update. Harmoney Corp Ltd held its 2025 annual meeting...

2M ago

Harmoney Corp Achieves Record Profitability with Stellare® 2.0 Rollout

The latest announcement is out from Harmoney Corp Ltd ( ($AU:HMY) ). Harmoney Corp Limited has announced record...

2M ago

Harmoney Corp Director Increases Shareholding

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an announcement. Harmoney Corp Limited has announced a change in...

3M ago

Harmoney Secures $15 Million Facility with Major Australian Bank

Harmoney Corp Ltd ( ($AU:HMY) ) has shared an announcement. Harmoney Corp Limited has secured a $15 million...

3M ago

Harmoney Corp Limited Announces 2025 Annual Shareholder Meeting

An announcement from Harmoney Corp Ltd ( ($AU:HMY) ) is now available. Harmoney Corp Limited has announced its...

4M ago

Harmoney Corp Ltd Unveils 1Q26 Financial Results and New Auto Loan Product

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an update. Harmoney Corp Ltd has announced its financial results...

4M ago

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 €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 176 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. Get more investment ideas with TipRanks Premium

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

Fundamentals

Return on Equity

15.56%

Trailing 12-Months

Asset Growth

0.26%

Trailing 12-Months

Top Smart Score Stocks >

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.

Harmoney Corp Ltd (HMY) Earnings & Revenues

Historic Earnings Reports

HMY Stock 12 Month Forecast

Average Price Target

AU$1.49

▲(72.76% Upside)

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Detailed Analyst Forecast >