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Harmoney Corp Ltd

Financial Services AU HMY

0.83AUD
0.005(0.61%)

Last update at 2026-03-13T05:10:00Z

Day Range

0.820.85
LowHigh

52 Week Range

0.411.00
LowHigh

Fundamentals

  • Previous Close 0.82
  • Market Cap85.85M
  • Volume30867
  • P/E Ratio9.17
  • Dividend Yield-%
  • Revenue TTM48.88M
  • Revenue Per Share TTM0.48
  • Gross Profit TTM 33.96M
  • Diluted EPS TTM0.09

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Income before tax 3.31M -14.41652M -8.25008M -20.17900M -29.32000M
Minority interest - - - - -
Net income 5.52M -13.19400M -8.25008M -20.17900M -27.03400M
Selling general administrative 30.74M 16.77M 18.07M 17.66M 20.98M
Selling and marketing expenses - 11.57M 13.40M 22.07M 16.48M
Gross profit 119.30M 133.05M 116.03M 77.26M 38.30M
Reconciled depreciation 1.75M 3.36M 2.77M 1.44M 1.05M
Ebit 75.56M 61.98M 34.92M -0.78100M -19.73600M
Ebitda 77.19M 65.06M 37.69M 0.66M -18.69000M
Depreciation and amortization 1.63M 3.07M 2.77M 1.44M 1.05M
Non operating income net other - - - - -
Operating income 75.56M 61.98M 34.92M -1.25400M -19.73600M
Other operating expenses 56.26M 76.90M 45.57M 52.58M 58.82M
Interest expense 63.28M 60.72M 43.17M 19.40M 9.58M
Tax provision -2.37967M 0.00000M 0.00000M 0.00000M -2.28600M
Interest income 0.23M 0.27M - - 0.06M
Net interest income -63.52643M -61.02273M -43.33877M -19.40800M -9.64700M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -2.21000M -1.22252M 43.66M 19.88M -2.28600M
Total revenue 131.83M 133.05M 116.03M 77.26M 38.30M
Total operating expenses 128.71M 76.90M 81.43M 78.52M 58.82M
Cost of revenue 12.53M 25.23M - - 9.58M
Total other income expense net -72.25600M -70.56818M 0.49M 0.48M 0.84M
Discontinued operations - - - - -
Net income from continuing ops 5.94M -14.41652M -8.25008M -20.17900M -27.03400M
Net income applicable to common shares 5.52M -13.19400M -7.58100M -20.17900M -27.03400M
Preferred stock and other adjustments - - - - -
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 945.24M 856.77M 855.07M 701.33M 388.77M
Intangible assets 8.96M 4.91M 12.59M 9.42M 3.46M
Earning assets - - - - -
Other current assets - - 1.47M 1.09M 0.09M
Total liab 908.11M 816.93M 796.57M 636.01M 313.07M
Total stockholder equity 37.13M 39.84M 58.50M 65.31M 75.69M
Deferred long term liab - - - - -
Other current liab - 4.30M 6.76M 11.15M 19.47M
Common stock - 136.10M 134.93M 131.56M 131.40M
Capital stock 137.26M - 134.93M 131.56M 131.40M
Retained earnings -93.43706M -100.84462M -86.08010M -76.57900M -56.40000M
Other liab - - 0.07M 0.02M 0.50M
Good will - - - - -
Other assets - - 8.47M 9.13M 11.49M
Cash 56.66M 41.24M 47.29M 62.75M 76.46M
Cash and equivalents - - - - -
Total current liabilities 908.11M 816.93M 796.57M 619.74M 313.06M
Current deferred revenue - - - 0.24M 0.39M
Net debt 830.89M 770.12M 740.62M 560.48M 215.79M
Short term debt - 811.36M 787.91M 606.98M 292.25M
Short long term debt 887.55M - 784.09M 606.98M 291.54M
Short long term debt total - 811.36M 787.91M 623.23M 292.26M
Other stockholder equity - 0.00000M -48.70672M -57.20609M 0.69M
Property plant equipment - - 3.72M 0.39M 0.64M
Total current assets 916.97M 836.46M 820.87M 673.72M 373.18M
Long term investments - - - - -
Net tangible assets - - 42.19M 55.90M 72.24M
Short term investments - - - - -
Net receivables 2.15M 793.53M 771.98M 609.88M 295.88M
Long term debt - - - 16.25M 291.54M
Inventory - - - - 0.75M
Accounts payable 2.82M 1.27M 1.90M 1.38M 0.95M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 4.58M 9.65M 10.33M 0.69M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 0.57M -16.58607M -9.81238M -
Deferred long term asset charges - - - - -
Non current assets total 28.28M 20.31M 34.20M 27.61M 15.59M
Capital lease obligations 2.69M - 3.82M - 0.72M
Long term debt total - - - - 292.26M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments -106.97642M -57.22465M -203.12656M -349.15800M -183.73800M
Change to liabilities - - 0.18M -0.43800M 2.47M
Total cashflows from investing activities -106.97642M -52.37200M -186.65300M -349.15800M -183.73800M
Net borrowings 85.96M 25.07M 148.51M 329.81M 158.56M
Total cash from financing activities 85.22M 22.43M 161.62M 329.81M 226.11M
Change to operating activities - - -4.51700M -8.01700M -0.36900M
Net income 5.94M -14.41652M -8.22630M -20.75458M -27.03400M
Change in cash 16.01M -5.52500M -14.52933M -13.71700M 41.69M
Begin period cash flow 40.64M 47.48M 61.82M 76.46M 34.78M
End period cash flow 56.66M 41.24M 47.29M 62.75M 76.46M
Total cash from operating activities 37.73M 24.29M 25.97M 5.50M -1.58800M
Issuance of capital stock - - - - 67.55M
Depreciation - - 0.78M 0.78M 0.82M
Other cashflows from investing activities -101.91127M -47.66000M -181.63400M -342.41400M -180.04400M
Dividends paid - - - - -
Change to inventory - - - - -
Change to account receivables -1.38500M -1.30700M -0.20400M 0.06M 3.33M
Sale purchase of stock -0.13675M - - - 67.55M
Other cashflows from financing activities -0.60515M -2.64284M 161.62M 346.38M 169.26M
Change to netincome - - 33.50M 32.52M 18.97M
Capital expenditures 5.07M 4.71M 5.46M 6.74M 3.69M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 1.07M -4.44100M -0.20400M 0.06M 8.19M
Stock based compensation - - 2.10M 3.41M -
Other non cash items 36.65M 28.73M 33.42M 25.48M 27.03M
Free cash flow 32.66M 19.58M 20.51M -1.24637M -5.28200M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company 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		 0.005 0.61% 0.83 9.17 - 1.76 2.12 6.61 14.87
ZIP
ZIP Co Ltd		 0.01 0.93% 1.62 19.84 14.06 1.65 3.07 3.61 10.93
LFG
Liberty Financial Group		 0.05 1.46% 3.48 7.15 6.56 1.70 0.90 9.61 0.11
LFS
Latitude Group Holdings Ltd		 - -% 0.95 11.88 - 1.83 0.81 6.48 13.52
PPM
Pepper Money Ltd		 -0.02 0.93% 2.12 9.30 10.18 2.42 1.17 45.96

Reports Covered

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Profile

Harmoney Corp Limited, together with its subsidiaries, provides secured and unsecured personal loans through online 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, and medical expenses. It also operates Stellare, an investment platform. Harmoney Corp Limited was incorporated in 2014 and is headquartered in Auckland, New Zealand.

Harmoney Corp Ltd

110 Customs Street West, Auckland, New Zealand, 1010

Key Executives

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.
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