Harmoney Corp Ltd (AU:HMY)
ASX:HMY
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HMY Stock Chart & Stats
AU$0.83
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$0.83
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$0.51 - AU$1.00
Previous CloseN/A
Volume13.14K
Average Volume (3M)84.84K
Market Cap
AU$81.70M
Enterprise ValueAU$1.04B
Total Cash (Recent Filing)AU$58.15M
Total Debt (Recent Filing)AU$997.33M
Price to Earnings (P/E)3.9
Beta1.20
Next Earnings
Aug 20, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
Shares Outstanding103,415,100
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 Upside67.47% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.12
Revenue Forecast (FY)AU$128.70M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthA 63.54% year growth in revenue signals growing loan originations and customer adoption of Harmoney's digital lending platform. Durable top-line expansion supports scale economies in credit models and operations, enabling reinvestment in underwriting technology and market share gains over multiple quarters.
High Operating & Gross MarginsVery high gross and operating margins indicate the platform has low direct costs per loan and strong operating leverage. These structural economics make incremental originations highly profitable and provide durable capacity to fund growth, absorb credit costs, or improve returns without linear increases in fixed costs.
Strong Cash GenerationConsistent free cash flow growth and high cash conversion ratios reflect effective cash generation from operations. This durable cash profile supports organic growth investments, the ability to reduce leverage, and resilience through credit cycles by funding operations without immediate external capital.
Bears Say
High LeverageA very high debt-to-equity ratio and low equity ratio show heavy reliance on borrowed funds. Structurally, this increases refinancing and interest-rate sensitivity, reduces financial flexibility, and raises vulnerability to credit shocks or tighter funding conditions over the medium term.
Low Net Profit MarginDespite strong revenue and operating margins, a low net margin suggests significant non-operating costs (interest, provisions or financing expense). Persistently thin net profitability limits retained earnings growth, constrains equity build-up, and reduces scope to absorb future credit losses or invest without raising capital.
No Dividend IncomeThe lack of a dividend indicates cash is being retained or used for deleveraging/growth rather than returning income. For income-focused investors this reduces appeal and narrows the investor base, a structural factor that can affect shareholder composition and long-term demand for the equity.
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$0.51 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$81.70M.
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 109 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 103,415,100 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
Neutral
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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
▲(67.47% Upside)
Technical Analysis
Options Prices
Currently, No data available
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