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Harmoney Corp

Financial Services AU HMY

0.695AUD
0.14(26.36%)

Last update at 2025-02-20T05:10:00Z

Day Range

0.660.75
LowHigh

52 Week Range

0.340.75
LowHigh

Fundamentals

  • Previous Close 0.55
  • Market Cap70.86M
  • Volume410158
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA-
  • Revenue TTM35.42M
  • Revenue Per Share TTM0.35
  • Gross Profit TTM 24.83M
  • Diluted EPS TTM-0.13

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -8.25008M -20.17900M -29.32000M -15.99040M -0.23300M
Minority interest - - - - -
Net income -8.25008M -20.17900M -27.03400M -12.29760M 7.22M
Selling general administrative 18.07M 17.66M 20.98M 7.58M 29.19M
Selling and marketing expenses 13.40M 22.07M 16.48M 12.07M -
Gross profit 116.03M 77.26M 38.30M 16.76M 32.95M
Reconciled depreciation 2.77M 1.44M 1.05M - -
Ebit 34.92M -0.78100M -19.73600M - -
Ebitda 37.69M 0.66M -18.69000M -8.60480M -
Depreciation and amortization 2.77M 1.44M 1.05M - -
Non operating income net other - - - - -
Operating income 34.92M -1.25400M -19.73600M -8.60480M -0.23300M
Other operating expenses 45.57M 52.58M 58.82M 32.75M 1.40M
Interest expense 43.17M 19.40M 9.58M 0.00000M 0.00000M
Tax provision 0.00000M 0.00000M -2.28600M -4.61600M -7.45300M
Interest income - - 0.06M - -
Net interest income -43.33877M -19.40800M -9.64700M - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 43.66M 19.88M -2.28600M 3.69M -7.45300M
Total revenue 116.03M 77.26M 38.30M 16.76M 33.27M
Total operating expenses 81.43M 78.52M 58.82M 32.75M -
Cost of revenue - - 9.58M 5.70M 0.33M
Total other income expense net 0.49M 0.48M 0.84M -15.99040M -
Discontinued operations - - - - -
Net income from continuing ops -8.25008M -20.17900M -27.03400M - -
Net income applicable to common shares -7.58100M -20.17900M -27.03400M -12.29760M 7.22M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 856.77M 855.07M 701.33M 388.77M 180.22M
Intangible assets 4.91M 12.59M 9.42M 3.46M -
Earning assets - - - - -
Other current assets - 1.47M 1.09M 0.09M 0.33M
Total liab 816.93M 796.57M 636.01M 313.07M 132.63M
Total stockholder equity 39.84M 58.50M 65.31M 75.69M 27.32M
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 56.69M
Capital stock - 134.93M 131.56M 131.40M -
Retained earnings -100.84462M -86.08010M -76.57900M -56.40000M -29.36600M
Other liab - 0.07M 0.02M 0.50M 1.27M
Good will - - - - -
Other assets - 8.47M 9.13M 11.49M 143.99M
Cash 41.24M 47.29M 62.75M 76.46M 34.78M
Cash and equivalents - - - - -
Total current liabilities 816.93M 796.57M 619.74M 313.06M 16.71M
Current deferred revenue - - 0.24M 0.39M -
Net debt 770.12M 740.62M 560.48M 215.79M -34.77900M
Short term debt 811.36M 787.91M 606.98M 292.25M -
Short long term debt - 784.09M 606.98M 291.54M -
Short long term debt total 811.36M 787.91M 623.23M 292.26M 134.31M
Other stockholder equity 0.00000M -48.70672M -57.20609M 0.69M -27.32000M
Property plant equipment - 3.72M 0.39M 0.64M 1.45M
Total current assets 836.46M 820.87M 673.72M 373.18M 34.78M
Long term investments - - - - -
Net tangible assets - 42.19M 55.90M 72.24M 28.89M
Short term investments - - - - -
Net receivables 793.53M 771.98M 609.88M 295.88M 134.12M
Long term debt - - 16.25M 291.54M 132.63M
Inventory - - - 0.75M -
Accounts payable 1.27M 1.90M 1.38M 0.95M 0.53M
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 - -1.44800M
Deferred long term asset charges - - - - -
Non current assets total 20.31M 34.20M 27.61M 15.59M 1.45M
Capital lease obligations - 3.82M - 0.72M -
Long term debt total - - - 292.26M 134.31M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -203.12656M -349.15800M -183.73800M - -
Change to liabilities 0.18M -0.43800M 2.47M -1.83760M 0.00000M
Total cashflows from investing activities -186.65300M -349.15800M -183.73800M -79.39360M -41.53800M
Net borrowings 148.51M 329.81M 158.56M 75.87M 37.00M
Total cash from financing activities 161.62M 329.81M 226.11M 94.64M 37.00M
Change to operating activities -4.51700M -8.01700M -0.36900M 4.83M 4.83M
Net income -8.22630M -20.75458M -27.03400M -12.29760M 7.22M
Change in cash -14.52933M -13.71700M 41.69M 20.20M -1.44800M
Begin period cash flow 61.82M 76.46M 34.78M 6.21M -
End period cash flow 47.29M 62.75M 76.46M 26.41M 6.21M
Total cash from operating activities 25.97M 5.50M -1.58800M 4.94M 3.08M
Issuance of capital stock - - 67.55M - -
Depreciation 0.78M 0.78M 0.82M 0.04M 0.10M
Other cashflows from investing activities -181.63400M -342.41400M -180.04400M -79.36720M -41.51400M
Dividends paid - - - - -
Change to inventory - - - - -
Change to account receivables -0.20400M 0.06M 3.33M 5.99M 5.99M
Sale purchase of stock - - 67.55M 23.47M -
Other cashflows from financing activities 161.62M 346.38M 169.26M 94.64M -
Change to netincome 33.50M 32.52M 18.97M 8.20M -4.23800M
Capital expenditures 5.46M 6.74M 3.69M 0.03M 0.02M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -0.20400M 0.06M 8.19M 5.99M 3.32M
Stock based compensation 2.10M 3.41M - 0.67M -
Other non cash items 33.42M 25.48M 27.03M 17.19M -
Free cash flow 20.51M -1.24637M -5.28200M 4.91M -

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		 0.14 26.36% 0.69 - - 2.00 1.56 6.26 16.76
ZIP
Zip Co Limited		 -0.04 1.56% 2.52 251.00 384.62 3.78 8.39 6.23 15.02
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
LFG
Liberty Financial Group Pty Ltd		 -0.01 0.27% 3.75 9.87 8.03 1.89 0.95 9.74 11.26
CCP
Credit Corp Group Ltd		 -0.01 0.06% 15.77 21.32 11.38 2.34 1.21 3.24 13.23

Reports Covered

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Profile

Harmoney Corp Limited 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, a platform which deliver seamless and personalised experience. Harmoney Corp Limited was incorporated in 2014 and is headquartered in Auckland, New Zealand.

Harmoney Corp

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

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