Harmoney Corp Limited

HMY.ASX

Financials

Online direct personal lender that operates across New Zealand and Australia.

Market Data

Price

$0.810

+0.0%
Market Cap

$82.7M

P/E Ratio

8.6x

EPS

$0.094

Div. Yield

0.00%

52-Week Change

+0.1%

Latest Earnings

Appendix 4D and 1H26 Half Year Report

19 February 2026

Revenue
$71.90
+11.6% YoY
NPAT
$6.10
+201.7% YoY
EPS
$0.06

Harmoney Corp delivered exceptional H1 FY26 results with Cash NPAT surging 166% to $6.1M, already exceeding full-year FY25 performance of $5.7M. Strong operational leverage drove revenue growth of 12% to $71.9M while maintaining cost efficiency, with loan originations reaching highest levels since 2H22. Key points: Cash NPAT of $6.1M already surpasses full-year FY25 Cash NPAT of $5.7M with 166% growth; Strong operational leverage with risk-adjusted income up 33% while maintaining cost-to-income ratio at efficient 18.5%; Loan originations reached $242.7M, highest since 2H22, driven by 48% growth in existing customer loans with near-zero acquisition costs

Recent Announcements

22 Apr 2026 Guidance Positive

3Q26 Trading Update

Harmoney Corp Limited (ASX: HMY) affirmed its FY26 Cash NPAT guidance of $13m (128% increase from FY25), with strong 9-month performance showing 19% loan origination growth in Australia, 50%+ growth in New Zealand, loan book expansion to $879m, and net interest margin improvement to 10.3%. The company also extended its share buy-back program for a further 12 months, authorizing repurchase of up to 5% of ordinary shares by April 2027.

19 Feb 2026 Actual Results Positive

Appendix 4D and 1H26 Half Year Report

Harmoney Corp delivered exceptional H1 FY26 results with Cash NPAT surging 166% to $6.1M, already exceeding full-year FY25 performance of $5.7M. Strong operational leverage drove revenue growth of 12% to $71.9M while maintaining cost efficiency, with loan originations reaching highest levels since 2H22. Key points: Cash NPAT of $6.1M already surpasses full-year FY25 Cash NPAT of $5.7M with 166% growth; Strong operational leverage with risk-adjusted income up 33% while maintaining cost-to-income ratio at efficient 18.5%; Loan originations reached $242.7M, highest since 2H22, driven by 48% growth in existing customer loans with near-zero acquisition costs

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