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Harmoney Corp Ltd
(Sydney:HMY)
Harmoney Corp Ltd (HMY) vs. iShares MSCI Australia ETF (EWA)
Harmoney Corp Ltd Business Overview & Revenue Model
Harmoney Corp Ltd Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 132.25M | 131.83M | 133.05M | 106.62M | 77.26M | 35.65M |
| Gross Profit | 58.58M | 119.30M | 133.05M | 93.09M | 61.72M | 29.92M |
| EBITDA | 77.61M | 77.19M | 65.06M | 37.69M | 657.00K | -18.69M |
| Net Income | 5.52M | 5.52M | -13.19M | -7.58M | -18.91M | -26.96M |
Balance Sheet | ||||||
| Total Assets | 945.24M | 945.24M | 856.77M | 788.35M | 636.45M | 390.64M |
| Cash, Cash Equivalents and Short-Term Investments | 56.66M | 56.66M | 41.24M | 43.45M | 56.73M | 76.26M |
| Total Debt | 890.24M | 890.24M | 811.36M | 724.01M | 563.72M | 584.86M |
| Total Liabilities | 908.11M | 908.11M | 816.93M | 734.59M | 577.40M | 315.15M |
| Stockholders Equity | 37.13M | 37.13M | 39.84M | 53.76M | 59.05M | 75.49M |
Cash Flow | ||||||
| Free Cash Flow | 30.33M | 32.66M | 19.58M | 18.92M | -1.28M | -5.27M |
| Operating Cash Flow | 35.04M | 37.73M | 24.29M | 23.94M | 5.04M | -1.58M |
| Investing Cash Flow | -99.35M | -106.98M | -52.37M | -186.65M | -327.27M | -183.23M |
| Financing Cash Flow | 79.14M | 85.22M | 22.43M | 148.51M | 309.14M | 225.49M |
Harmoney Corp Ltd Technical Analysis
Harmoney Corp Ltd Peers Comparison
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$54.36M | 17.62 | 3.91% | 4.27% | -6.67% | 22.09% | |
58 Neutral | AU$88.45M | 16.64 | 15.56% | ― | 7.92% | ― | |
52 Neutral | AU$103.35M | 15.55 | 12.72% | ― | -0.51% | ― | |
42 Neutral | AU$51.00M | -5.58 | -19.44% | ― | -2.35% | 13.33% | |
42 Neutral | AU$89.25M | -1.32 | -42.59% | ― | -9.56% | -392.31% | |
38 Underperform | AU$30.57M | -8.42 | -26.29% | ― | 8.28% | 84.45% |
Harmoney Corp Ltd Corporate Events
Harmoney Corp Limited has secured a $15 million revolving corporate debt facility with a leading ‘Big-4’ Australian bank, aimed at supporting loan book growth and general corporate purposes. This new facility, which replaces a previous $22.5 million debt at a lower margin, underscores Harmoney’s strong profit growth and credit quality. The facility, notable for its rarity in the non-bank financial sector, is expected to significantly reduce funding costs and enhance the company’s financial stability, reflecting positively on its growth and profitability.
Harmoney Corp Limited has announced its upcoming annual meeting of shareholders, which will be held online on December 17, 2025. The meeting will include addresses from the Chairman and CEO, and will cover resolutions such as the election of directors John Quirk and Monique Cairns, the authorization for the Board to set the auditor’s remuneration, and the approval of performance rights for CEO David Stevens under the Long Term Incentive Plan. These resolutions are significant for the company’s governance and strategic direction, impacting its leadership structure and executive incentives.
Harmoney Corp Ltd has announced its financial results for the first quarter of 2026, highlighting a new secured auto loan product. This development is part of their strategy to enhance their capitalisation and funding capabilities, potentially strengthening their market position and offering new opportunities for stakeholders.
Harmoney Corp Limited has reaffirmed its FY26 profit guidance of $12 million Cash NPAT, marking a significant 111% increase from FY25. The company reported strong loan book growth in both Australia and New Zealand, with a notable increase in net interest margin to 10.3%. The launch of a secured vehicle loan product, enabled by the Stellare® 2.0 platform, is expected to attract significant customer interest. Despite a slight rise in credit losses, the company’s cost-to-income ratio remains stable at 19%, supported by its automated platform. Harmoney’s strategic initiatives, including refinancing its corporate debt and expanding its educational marketing, are poised to strengthen its market position and offer growth opportunities.
Harmoney Corp Limited announced an upcoming online investor presentation to discuss its first-quarter results for the period ending September 30, 2025. The presentation, hosted by CEO David Stevens and CFO Simon Ward, will provide insights into the company’s performance and include a Q&A session. This initiative is part of Harmoney’s efforts to engage with investors and stakeholders, reflecting its commitment to transparency and communication. The results and discussions could impact the company’s market positioning and stakeholder confidence, given its focus on leveraging technology for efficient lending operations.
Harmoney Corp Limited has updated its Long Term Incentive Plan, initially adopted in 2020, to enhance employee engagement and align their interests with shareholders. The plan allows the board to allocate rights to employees, providing them with the opportunity to become shareholders and rewarding their contributions to the company’s performance. This initiative is aimed at attracting, motivating, and retaining employees by offering them a stake in the company’s success, thereby aligning their interests with those of the shareholders.
Harmoney Corp Limited announced a change in the director’s interest involving David Stevens. The change involved the conversion of 1,058,542 performance rights into ordinary shares, increasing his total holdings to 2,929,007 ordinary shares. This transaction was conducted as part of the company’s Long Term Incentive Plan, reflecting strategic alignment with corporate governance practices.
Harmoney Corp Limited has announced a change in the director’s interest notice concerning Neil Roberts. The change involves the conversion of 570,274 performance rights into ordinary shares, resulting in an increase in the number of ordinary shares held by the Neil Roberts Business Trust. This transaction is part of the company’s Long Term Incentive Plan Rules, reflecting a strategic move to align the director’s interests with the company’s performance and shareholder value.
Harmoney Corp Ltd announced the provision of financial assistance under its employee share scheme, involving the transfer of 1,628,816 shares at a total cost of AU$1,303,052.80. This action benefits David Stevens, an executive director, and Neil Roberts, a non-executive director, aligning with the company’s Long Term Incentive Plan. This move reflects Harmoney’s commitment to rewarding its leadership and aligns with its strategic goals, potentially impacting its market positioning by reinforcing leadership stability.
Harmoney Corp Limited has announced the issuance and conversion of unquoted equity securities, which involves the exercise of unquoted options or conversion of other unquoted convertible securities. This move is likely to impact the company’s capital structure and could influence its market positioning by potentially increasing its financial flexibility and shareholder value.
Harmoney Corp Limited has announced an update regarding its ongoing on-market buy-back program. As of September 15, 2025, the company has bought back a total of 396,634 ordinary fully paid securities, with an additional 17,538 securities purchased on the previous day. This buy-back initiative is part of Harmoney’s strategy to manage its capital structure and potentially enhance shareholder value.
Harmoney Corp Limited has announced an update regarding its ongoing share buy-back program, with a total of 10,000 ordinary fully paid securities bought back on the previous day, adding to the 361,634 securities already repurchased. This buy-back initiative is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value, reflecting its commitment to maintaining a robust financial position in the market.
Harmoney Corp Limited has announced an update regarding its ongoing on-market buy-back program. The company reported that it bought back 20,000 ordinary fully paid securities on the previous day, adding to a total of 341,634 securities repurchased before that day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.
Harmoney Corp Limited has announced a daily update regarding its ongoing on-market buy-back of ordinary fully paid securities, identified by the ASX code HMY. As of September 9, 2025, the company has bought back a total of 341,634 securities, with 20,000 acquired on the previous day. This buy-back initiative may impact the company’s market position by potentially increasing shareholder value and optimizing capital structure.
Harmoney Corp Limited has announced an update regarding its ongoing on-market buy-back program. As of September 8, 2025, the company has repurchased a total of 321,634 ordinary fully paid securities, including 25,000 securities bought back on the previous day. This buy-back initiative is part of Harmoney’s strategy to manage its capital structure and potentially enhance shareholder value.