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Home CompaniesHarmoney Corp Ltd

Harmoney Corp Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.66 AUD -0.01 ( 1.49%)
Last update at 2026-11-06T04:29:00Z
VOLUME
13717
Market Cap
69.01M
P/E
6.09

Momentum Score

…

Harmoney Corp Limited, together with its subsidiaries, provides secured and unsecured personal loans through online in Australia and New Zealand. The company offers personal loans, including debt consolidation, home improvement, holiday, wedding, medical, education, car, and business loans. Harmoney Corp Limited was incorporated in 2014 and is headquartered in Auckland, New Zealand.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.66
Low
0.67
High
52 Week Price Range
0.63
Low
0.93
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Harmoney Corp Ltd is a New Zealand-based digital consumer lender that originates and services unsecured personal loans through an online platform. Long-term growth drivers include increased adoption of online credit, data-driven underwriting, and potential product or geographic expansion that may support scale. Investors may find exposure to fintech-led consumer credit trends appealing.
The most important risks are credit losses and access to funding that are sensitive to economic cycles, together with competitive pressure and regulatory changes that could constrain originations and profitability.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.67
Dividend Yield
-
Revenue TTM
50.05M
Revenue Per Share
0.48
Gross Profit TTM
35.25M
Debt / Equity
18.73
ROE
25.17%
Net Debt
834.75M
ROCE
6.72%
Diluted EPS TTM
0.11

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 5.23M 3.31M -14.42M -8.25M -20.18M
Net income 10.24M 5.52M -13.19M -8.25M -20.18M
Selling general administrative 38.80M 30.74M 16.77M 18.07M 17.66M
Selling and marketing expenses - - 11.57M 13.40M 22.07M
Gross profit 130.04M 119.30M 133.05M 116.03M 77.26M
Reconciled depreciation 2.41M 1.75M 3.36M 2.77M 1.44M
Ebit 62.61M 75.56M 61.98M 34.92M -0.78M
Ebitda 64.59M 77.19M 65.06M 37.69M 0.66M
Depreciation and amortization 1.98M 1.63M 3.07M 2.77M 1.44M
Operating income 77.41M 75.56M 61.98M 34.92M -1.25M
Other operating expenses 67.56M 56.26M 76.90M 45.57M 52.58M
Interest expense 57.38M 63.28M 60.72M 43.17M 19.40M
Tax provision -6.09M -2.38M 0.00M 0.00M 0.00M
Interest income - 0.23M 0.27M - -
Net interest income -69.80M -63.53M -61.02M -43.34M -19.41M
Income tax expense -5.01M -2.21M -1.22M 43.66M 19.88M
Total revenue 144.97M 131.83M 133.05M 116.03M 77.26M
Total operating expenses 52.63M 128.71M 76.90M 81.43M 78.52M
Cost of revenue 14.93M 12.53M 25.23M - -
Total other income expense net -72.18M -72.26M -70.57M 0.49M 0.48M
Net income from continuing ops 12.46M 5.94M -14.42M -8.25M -20.18M
Net income applicable to common shares - 5.52M -13.19M -7.58M -20.18M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 932.81M 945.24M 856.77M 855.07M 701.33M
Intangible assets 10.37M 8.96M 4.91M 12.59M 9.42M
Other current assets - - - 1.47M 1.09M
Total liab 885.93M 908.11M 816.93M 796.57M 636.01M
Total stockholder equity 46.88M 37.13M 39.84M 58.50M 65.31M
Other current liab - - 4.30M 6.76M 11.15M
Common stock 126.85M - 136.10M 134.93M 131.56M
Capital stock 154.32M 137.26M - 134.93M 131.56M
Retained earnings -76.53M -93.44M -100.84M -86.08M -76.58M
Other liab - - - 0.07M 0.02M
Other assets - - - 8.47M 9.13M
Cash 43.20M 56.66M 41.24M 47.29M 62.75M
Total current liabilities 0.49M 908.11M 816.93M 796.57M 619.74M
Current deferred revenue - - - - 0.24M
Net debt 834.75M 830.89M 770.12M 740.62M 560.48M
Short term debt 0.49M - 811.36M 787.91M 606.98M
Short long term debt 1063.82M 887.55M - 784.09M 606.98M
Short long term debt total 877.95M - 811.36M 787.91M 623.23M
Other stockholder equity - - 0.00M -48.71M -57.21M
Property plant equipment - - - 3.72M 0.39M
Total current assets 898.77M 916.97M 836.46M 820.87M 673.72M
Net tangible assets - - - 42.19M 55.90M
Net receivables 855.57M 2.15M 793.53M 771.98M 609.88M
Long term debt - - - - 16.25M
Accounts payable 2.03M 2.82M 1.27M 1.90M 1.38M
Accumulated other comprehensive income -3.44M - 4.58M 9.65M 10.33M
Non currrent assets other 1.26M - 0.57M -16.59M -9.81M
Non current assets total 34.04M 28.28M 20.31M 34.20M 27.61M
Capital lease obligations 4.25M 2.69M - 3.82M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -106.98M -57.22M -203.13M -349.16M
Change to liabilities - - - 0.18M -0.44M
Total cashflows from investing activities -134.95M -106.98M -52.37M -186.65M -349.16M
Net borrowings 106.99M 85.96M 25.07M 148.51M 329.81M
Total cash from financing activities 86.79M 85.22M 22.43M 161.62M 329.81M
Change to operating activities - - - -4.52M -8.02M
Net income 10.24M 5.94M -14.42M -8.23M -20.75M
Change in cash -9.42M 16.01M -5.53M -14.53M -13.72M
Begin period cash flow 52.62M 40.64M 47.48M 61.82M 76.46M
End period cash flow 43.20M 56.66M 41.24M 47.29M 62.75M
Total cash from operating activities 40.64M 37.73M 24.29M 25.97M 5.50M
Depreciation 1.98M - - 0.78M 0.78M
Other cashflows from investing activities -130.49M -101.91M -47.66M -181.63M -342.41M
Change to account receivables -2.87M -1.39M -1.31M -0.20M 0.06M
Sale purchase of stock -0.65M -0.14M - - -
Other cashflows from financing activities -0.51M -0.61M -2.64M 161.62M 346.38M
Change to netincome - - - 33.50M 32.52M
Capital expenditures 4.46M 5.07M 4.71M 5.46M 6.74M
Change in working capital -3.34M 1.07M -4.44M -0.20M 0.06M
Stock based compensation - - - 2.10M 3.41M
Other non cash items 31.75M 36.65M 28.73M 33.42M 25.48M
Free cash flow 36.17M 32.66M 19.58M 20.51M -1.25M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
HMY
Harmoney Corp Ltd		 -0.01
1.49%		 0.66 6.09 - 1.38 1.56 6.26 14.11
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37

Profile*

Harmoney Corp Ltd

Harmoney Corp Limited, together with its subsidiaries, provides secured and unsecured personal loans through online in Australia and New Zealand. The company offers personal loans, including debt consolidation, home improvement, holiday, wedding, medical, education, car, and business loans. Harmoney Corp Limited was incorporated in 2014 and is headquartered in Auckland, New Zealand.

110 Customs Street West, Auckland, New Zealand, 1010

64 0800 427 666

https://www.harmoney.co.nz

84

Name Title Year Born
Mr. David John Stevens B.Com., C.A., BCom, CA, SA Fin CEO, MD & Director NA
Mr. Neil Gordon Roberts Founder, Chief Strategy Officer & Exec. Director NA
Mr. Simon Ward Chief Financial Officer NA
Mr. Brad Hagstrom Chief Operations Officer NA
Mr. Andrew Bates Chief Technical Officer NA
Mr. Mike Travis Gen. Counsel NA
Mr. Glen MacKellaig Chief Marketing Officer NA
Ms. Amanda Donaldson Head of HR NA
Mr. Dave Nesbitt Chief Risk Officer NA
Mr. Dan York Chief Product Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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