Harmoney Corp Ltd (AU:HMY)
ASX:HMY
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Harmoney Corp Ltd
(Sydney:HMY)
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Rating:58Neutral
Price Target:
AU$0.71
▼(-8.18% Downside)
Action:ReiteratedDate:11/25/25
Harmoney Corp Ltd's overall stock score is driven by strong financial performance, particularly in revenue growth and cash flow generation. However, high leverage and a bearish technical outlook weigh on the score. The stock's valuation is reasonable, but the lack of a dividend yield limits its attractiveness for income-focused investors.
Positive Factors
Strong revenue growth
Sustained 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.
Negative Factors
High financial leverage
Extremely 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained 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.
Read all positive factors
Harmoney Corp Ltd (HMY) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$80.12M
Dividend YieldN/A
Average Volume (3M)84.84K
Price to Earnings (P/E)3.9
Beta (1Y)1.22
Revenue Growth7.92%
EPS GrowthN/A
CountryAU
Employees75
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
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 Upside80.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.08
Revenue Forecast (FY)AU$147.37M
Harmoney Corp Ltd Business Overview & Revenue Model
Company Description
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, an...
How the Company Makes Money
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Harmoney Corp Ltd Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
45
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 151.22M | 131.83M | 133.05M | 106.62M | 77.26M | 35.65M |
| Gross Profit | 74.60M | 119.30M | 133.05M | 93.09M | 61.72M | 29.92M |
| EBITDA | 76.14M | 77.19M | 65.06M | 37.69M | 657.00K | -18.69M |
| Net Income | 10.53M | 5.52M | -13.19M | -7.58M | -18.91M | -26.96M |
Balance Sheet | ||||||
| Total Assets | 1.05B | 945.24M | 856.77M | 788.35M | 636.45M | 390.64M |
| Cash, Cash Equivalents and Short-Term Investments | 58.15M | 56.66M | 41.24M | 43.45M | 56.73M | 76.26M |
| Total Debt | 997.33M | 890.24M | 811.36M | 724.01M | 563.72M | 584.86M |
| Total Liabilities | 1.00B | 908.11M | 816.93M | 734.59M | 577.40M | 315.15M |
| Stockholders Equity | 49.54M | 37.13M | 39.84M | 53.76M | 59.05M | 75.49M |
Cash Flow | ||||||
| Free Cash Flow | 34.21M | 32.66M | 19.58M | 18.92M | -1.28M | -5.27M |
| Operating Cash Flow | 39.37M | 37.73M | 24.29M | 23.94M | 5.04M | -1.58M |
| Investing Cash Flow | -135.32M | -106.98M | -52.37M | -186.65M | -327.27M | -183.23M |
| Financing Cash Flow | 99.44M | 85.22M | 22.43M | 148.51M | 309.14M | 225.49M |
Harmoney Corp Ltd Technical Analysis
Neutral
0.77
Price Trends
0.81
Negative
0.84
Negative
0.80
Negative
Market Momentum
-0.02
Negative
48.17
Neutral
72.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:HMY, the sentiment is Neutral. The current price of 0.77 is below the 20-day moving average (MA) of 0.77, below the 50-day MA of 0.81, and below the 200-day MA of 0.80, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 48.17 is Neutral, neither overbought nor oversold. The STOCH value of 72.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:HMY.
Harmoney Corp Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | AU$41.45M | -179.71 | 2.15% | 4.27% | -6.67% | 22.09% | |
58 Neutral | AU$80.12M | 3.91 | 24.31% | ― | 7.92% | ― | |
52 Neutral | AU$98.58M | 2.59 | 23.10% | ― | -0.51% | ― | |
44 Neutral | AU$33.47M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$68.27M | -1.10 | -43.76% | ― | -9.56% | -392.31% | |
41 Neutral | AU$11.82M | -3.94 | -36.66% | ― | 8.28% | 84.45% |
* Financial Sector Average
AU:HMY
Harmoney Corp Ltd
0.77
0.33
73.03%
AU:WZR
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0.02
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Butn Limited
0.03
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-73.04%
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0.26
72.22%
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EarlyPay Limited
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AU:MME
MoneyMe Ltd.
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-32.80%
Harmoney Corp Ltd Corporate Events
Harmoney Highlights FY26 Outlook at ASX SMIDcaps Investor Forum
Mar 24, 2026
Harmoney Corp Limited used the ASX SMIDcaps Conference to showcase an investor presentation outlining its business profile and recent financial performance. The presentation, led by CEO and Managing Director David Stevens, highlighted the company&...
Harmoney Files Daily Update on Ongoing On‑Market Share Buy‑Back
Mar 24, 2026
Harmoney Corp Ltd has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back of ordinary fully paid shares under code HMY. The latest daily report, dated 25 March 2026, confirms the program remains a...
Harmoney Updates Market on Progress of On‑Market Share Buy‑Back
Mar 23, 2026
Harmoney Corp Limited has provided an updated notification to the ASX on its ongoing on‑market share buy‑back program for its ordinary fully paid shares under code HMY. The company reported that a total of 572,273 shares had been bough...
Harmoney Continues On‑Market Share Buy‑Back With Daily ASX Update
Mar 22, 2026
Harmoney Corp Ltd has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back program for its ordinary fully paid shares under code HMY. The latest update, dated 23 March 2026, reports that a total of...
Harmoney Updates Market on Progress of On‑Market Share Buy‑Back
Mar 19, 2026
Harmoney Corp Ltd has provided an updated notice to the ASX confirming ongoing execution of its on‑market share buy‑back program for its ordinary fully paid shares under code HMY. The latest daily update, dated 20 March 2026, reports t...
Harmoney Updates Market on Progress of On‑Market Share Buy‑Back
Mar 18, 2026
Harmoney Corp Limited has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back of ordinary fully paid shares under code HMY. The latest filing confirms the program remains active, with the company ...
Harmoney Continues Daily On‑Market Share Buy‑Back Program
Mar 17, 2026
Harmoney Corp Limited has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back of ordinary fully paid shares under code HMY. The latest filing, dated 18 March 2026, confirms the program is active a...
Harmoney Updates Market on Progress of On‑Market Share Buy‑Back
Mar 16, 2026
Harmoney Corp Limited has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back program for its ordinary fully paid shares, coded HMY. The latest update, dated 17 March 2026, reports that a total of...
Harmoney Updates Market on Ongoing On-Market Share Buy-Back
Mar 15, 2026
Harmoney Corp Limited has provided an updated notification to the ASX regarding its ongoing on-market share buy-back program for its ordinary fully paid shares. The company is using this mechanism to manage its capital, reduce the number of shares...
Harmoney Continues On‑Market Share Buy‑Back With Daily ASX Update
Mar 12, 2026
Harmoney Corp Limited, listed on the ASX under ticker HMY, operates in the financial services sector offering consumer lending products to retail customers. Its ordinary fully paid shares are the subject of recent on‑market buy‑back ac...
Harmoney Updates Market on Progress of On-Market Share Buy-Back
Mar 11, 2026
Harmoney Corp Limited has provided an updated notification to the ASX regarding its ongoing on-market share buy-back program for its ordinary fully paid shares. The company confirmed this latest update as of 12 March 2026, identifying the buy-back...
Harmoney Updates Market on Progress of On-Market Share Buy-Back
Mar 10, 2026
Harmoney Corp Ltd, an ASX-listed financial services firm trading under ticker HMY, continues to manage its capital structure through an on-market share buy-back program of its ordinary fully paid shares. The company initially notified the market o...
Harmoney Sets Date for 1H26 Results and Investor Presentation
Feb 3, 2026
Harmoney Corp Ltd has scheduled the release of its first-half 2026 financial results for after the ASX market close on Thursday 19 February 2026, with a detailed results presentation to be delivered via teleconference and webcast the following mor...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.