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Harmoney Corp Limited (HMY.AX)
Auckland, AUK, NZ
Harmoney Corp Limited offers online, unsecured personal financing solutions to customers across Australia and New Zealand. These loans cater to a broad spectrum of needs, including debt consolidation, home renovations, wedding expenses, vehicle purchases, holiday funding, educational pursuits, business capital, and medical costs. The company delivers its financial products through Stellare, its proprietary digital lending platform. Established in 2014, Harmoney Corp Limited's main office is located in Newmarket, New Zealand.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.25% | +3.85% | +3.85% | -4.71% | +2.53% | -10.99% | +37.29% | +107.69% | -42.96% | -76.52% | -76.52% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-0.9% Q4'25: +19.1% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+141.6% ★ Q4'25: +1,086.4% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+59.8% Q4'25: +21.0% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+57.3% ★ Q4'25: +43.5% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+8.7% ★ Q4'25: +14.7% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q4'25: +2.1% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×11.53× Q4'25: 6.64× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 2 Rev. Ana. 2 EPS Ana. |
Jun 2027 3 Rev. Ana. 2 EPS Ana. |
Jun 2028 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
35.65M
est: 79.95M (-55.4%)
|
77.26M
est: 84.47M (-8.5%)
|
106.62M
est: 107.50M (-0.8%)
|
133.05M
est: 125.00M (+6.4%)
|
131.83M
est: 131.63M (+0.1%)
|
128.63M
128.03M – 129.24M
-2.3% YoY
|
142.63M
133.89M – 148.63M
+10.9% YoY
|
156.00M
150.64M – 159.79M
+9.4% YoY
|
| EBITDA |
-18.69M
est: 14.59M (-228.1%)
|
657.0K
est: 15.41M (-95.7%)
|
37.69M
est: 19.61M (+92.2%)
|
65.06M
est: 114.89M (-43.4%)
|
77.19M
est: 120.98M (-36.2%)
|
118.23M
117.67M – 118.78M
-2.3% YoY
|
131.09M
123.05M – 136.61M
+10.9% YoY
|
143.38M
138.45M – 146.86M
+9.4% YoY
|
| EBIT |
-19.74M
est: 12.84M (-253.7%)
|
-781.0K
est: 13.56M (-105.8%)
|
34.92M
est: 17.26M (+102.3%)
|
61.98M
est: 114.34M (-45.8%)
|
75.56M
est: 120.41M (-37.2%)
|
117.67M
117.11M – 118.22M
-2.3% YoY
|
130.47M
122.47M – 135.96M
+10.9% YoY
|
142.70M
137.79M – 146.16M
+9.4% YoY
|
| Net Income |
-26.96M
est: -53.45M (+49.6%)
|
-18.91M
est: -196.41M (+90.4%)
|
-7.58M
est: 4.68M (-262.1%)
|
-13.19M
est: 1.31M (-1,108.2%)
|
5.52M
est: 5.52M (+0.0%)
|
11.31M
9.41M – 13.22M
+105.0% YoY
|
16.29M
12.71M – 19.87M
+44.0% YoY
|
20.60M
17.79M – 23.40M
+26.4% YoY
|
| SGA |
37.45M
est: 33.15M (+13.0%)
|
39.73M
est: 35.02M (+13.4%)
|
31.47M
est: 44.57M (-29.4%)
|
28.34M
est: 51.82M (-45.3%)
|
—
est: 54.57M (-100.0%)
|
53.33M
53.08M – 53.58M
-2.3% YoY
|
59.13M
55.51M – 61.62M
+10.9% YoY
|
64.68M
62.45M – 66.25M
+9.4% YoY
|
| EPS |
-0.29
est: -0.52 (+44.7%)
|
-0.19
est: -1.93 (+90.1%)
|
-0.08
est: 0.05 (-276.5%)
|
-0.13
est: 0.01 (-1,281.8%)
|
0.05
est: 0.05 (+13.5%)
|
0.12
0.09 – 0.13
+145.5% YoY
|
0.16
0.12 – 0.19
+37.9% YoY
|
0.20
0.17 – 0.23
+25.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-28 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-27 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-26 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-25 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-22 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-21 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-20 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-19 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-18 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-15 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-14 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-13 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-01 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Amanda Donaldson | Chief People Officer | — | female |
| Andrew Bates | Chief Technical Officer | — | male |
| Brad Hagstrom | Chief Operations Officer | — | male |
| Dan York | Chief Product Officer | — | male |
| Dave Nesbitt | Chief Risk Officer | — | male |
| David John Stevens | Chief Executive Officer, MD & Director | — | male |
| Glen MacKellaig | Chief Marketing Officer | — | male |
| Marija Stulich | Head of Retention | — | female |
| Mike Travis | General Counsel | — | male |
| Simon Ward | Chief Financial Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for HMY.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
