Harmoney Corp Ltd (AU:HMY)
ASX:HMY
HMY Stock Chart & Stats
AU$0.76
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$0.76
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$79.08M
Enterprise ValueAU$1.03B
Total Cash (Recent Filing)AU$58.15M
Total Debt (Recent Filing)AU$997.33M
Price to Earnings (P/E)3.9
Beta1.25
Next Earnings
Aug 20, 2026EPS Estimate
0.07Next 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$1.39Price Target Upside83.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.08
Revenue Forecast (FY)AU$147.37M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthSustained high revenue growth indicates successful customer acquisition and platform scale. Over 2-6 months this supports reinvestment in credit models, product expansion and fixed-cost leverage, helping accelerate unit economics and long-term market share gains in digital consumer lending.
Robust Cash GenerationStrong free cash flow growth and high operating cash flow relative to income provide durable liquidity to fund originations, absorb credit losses, and reduce dependence on external funding. This cash profile supports balance sheet resilience and strategic investments over coming quarters.
High Gross And Operating MarginsVery high gross and operating margins reflect a scalable digital lending platform with low incremental costs. Such structural efficiency supports long-term profitability improvement as originations scale and allows room for marketing, technology and provisioning without eroding core economics.
Bears Say
High Financial LeverageExtremely high debt-to-equity and a low equity ratio create structural funding risk. Over several months higher interest costs or tighter funding markets could constrain originations, force asset sales or limit strategic flexibility, increasing vulnerability to macro shocks.
Low Net Profit MarginA low net margin despite strong top-line and high operating margins implies material funding, credit loss or tax impacts that erode retained earnings. Persisting this compresses equity buildup, limits capital for growth or deleveraging and heightens dependency on external financing.
Concentration In Unsecured Consumer LoansHeavy exposure to unsecured personal lending makes earnings and asset quality sensitive to consumer credit cycles. Over 2-6 months downturns or regulatory tightening can raise defaults and provisions, reducing origination volumes and pressuring margins and balance sheet resilience.
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$79.08M.
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 134 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 is 0.07.
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
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Fundamentals
Return on Equity
24.31%
Trailing 12-Months
Asset Growth
4.76%
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$1.39
▲(83.20% Upside)
Technical Analysis
Options Prices
Currently, No data available
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