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Harmoney Corp Ltd (HMY) Price & Analysis

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HMY Stock Chart & Stats

AU$0.83

AU$0.00(0.00%)

At close: Jan 09 4:00 PM EST

AU$0.83

AU$0.00(0.00%)

Day’s Range― - ―

52-Week RangeAU$0.63 - AU$1.00

Previous CloseN/A

Volume13.14K

Average Volume (3M)61.11K

Market Cap

AU$75.19M

Enterprise ValueAU$916.12

Total Cash (Recent Filing)AU$43.20M

Total Debt (Recent Filing)AU$877.95M

Price to Earnings (P/E)7.4

Beta1.16

Next Earnings

Feb 25, 2027

EPS Estimate

0.08

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.10

Shares Outstanding103,006,120

10 Day Avg. Volume57,103

30 Day Avg. Volume61,110

Financial Highlights & Ratios

PEG Ratio0.10

Price to Book (P/B)1.75

Price to Sales (P/S)0.56

P/FCF Ratio2.26

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

AU$1.39

Price Target Upside66.87% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)0.18

Revenue Forecast (FY)AU$135.05M

Bulls Say, Bears Say

Bulls Say

Improving ProfitabilityThe return to profitability and further margin expansion indicate that Harmoney's lending and servicing platform is converting revenue into earnings more effectively. If maintained, stronger earnings can support capital rebuilding, investment in digital operations, and greater resilience over the next several quarters.

Positive Free Cash FlowPositive operating and free cash flow provide internal funding for the business and reduce reliance on external capital to support operations. The 2026 increase, together with cash flow broadly tracking net income in profitable years, strengthens the quality and durability of recent earnings.

Revenue Growth ResumingA renewed increase in revenue after a flat year suggests Harmoney's core consumer-lending platform is regaining growth rather than relying solely on cost control. Continued top-line expansion would improve operating leverage and provide a broader base for sustaining recent profitability.

Bears Say

Very High LeverageThe very high debt burden leaves Harmoney with limited financial flexibility and a relatively small equity cushion against adverse credit outcomes. Higher leverage also increases exposure to funding-cost changes and refinancing needs, potentially restricting growth investment even while earnings remain positive.

Volatile Earnings HistoryRecent profitability is encouraging, but the preceding multi-year loss period shows that earnings have not yet been proven across the cycle. Meaningful swings in operating margins reduce confidence that current earnings can remain stable if lending conditions or portfolio performance weaken.

Inconsistent Cash Flow QualityAlthough cash generation has recently improved, the history of negative cash flow and volatile coverage measures indicates that conversion is not consistently dependable. This can make funding and capital planning more difficult, particularly for a highly leveraged consumer-finance business.

Harmoney Corp Ltd News

Harmoney Updates Daily On-Market Share Buy-Back Activity

The latest announcement is out from Harmoney Corp Ltd ( ($AU:HMY) ). Harmoney Corp Ltd has issued an...

3d ago

Harmoney Updates ASX on Ongoing On-Market Share Buy-Back Activity

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an update. Harmoney Corp Limited has provided an updated notification...

4d ago

Harmoney Updates Market on Progress of On-Market Share Buy-Back

Harmoney Corp Ltd ( ($AU:HMY) ) just unveiled an announcement. Harmoney Corp Limited has provided an update to...

5d ago

Harmoney schedules 1Q27 investor briefing to highlight tech-led lending model

The latest update is out from Harmoney Corp Ltd ( ($AU:HMY) ). Harmoney Corp Ltd has announced that...

10d ago

Harmoney Extends Share Buy-Back and Flags Acquisition-Led Growth Push

Harmoney Corp Ltd ( ($AU:HMY) ) just unveiled an announcement. Harmoney Corp Ltd has continued its on-market share...

12d ago

Harmoney Issues Daily Update on Ongoing Share Buy-Back Program

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an announcement. Harmoney Corp Limited is a listed financial services...

17d ago

Harmoney Updates Market on Ongoing Share Buy-Back Activity

Harmoney Corp Ltd ( ($AU:HMY) ) has provided an update. Harmoney Corp Ltd is a financial services company...

18d ago

Harmoney Updates ASX on Progress of On-Market Share Buy-Back

An update from Harmoney Corp Ltd ( ($AU:HMY) ) is now available. Harmoney Corp Limited has provided an...

20d ago

Harmoney Continues On-Market Share Buy-Back with Daily ASX Update

Harmoney Corp Ltd ( ($AU:HMY) ) has issued an update. Harmoney Corp Limited has provided an updated notification...

23d ago

Harmoney Continues On-Market Buy-Back With Daily Share Repurchases

Harmoney Corp Ltd ( ($AU:HMY) ) has provided an announcement. Harmoney Corp Ltd has provided an updated notification...

27d ago

HMY FAQ

What was Harmoney Corp Ltd’s price range in the past 12 months?

Harmoney Corp Ltd lowest share price was AU$0.63 and its highest was AU$1.00 in the past 12 months.

What is Harmoney Corp Ltd’s market cap?

Harmoney Corp Ltd’s market cap is AU$75.19M.

When is Harmoney Corp Ltd’s upcoming earnings report date?

Harmoney Corp Ltd’s upcoming earnings report date is Feb 25, 2027 which is in 145 days.

How were Harmoney Corp Ltd’s earnings last quarter?

Harmoney Corp Ltd released its earnings results on Aug 20, 2026. The company reported AU$0.072 earnings per share for the quarter, beating the consensus estimate of AU$0.07 by AU$0.002.

Is Harmoney Corp Ltd overvalued?

According to Wall Street analysts Harmoney Corp Ltd’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Harmoney Corp Ltd pay dividends?

Harmoney Corp Ltd does not currently pay dividends.

What is Harmoney Corp Ltd’s EPS estimate?

Harmoney Corp Ltd’s EPS estimate is 0.08.

How many shares outstanding does Harmoney Corp Ltd have?

Harmoney Corp Ltd has 103,006,120 shares outstanding.

What happened to Harmoney Corp Ltd’s price movement after its last earnings report?

Harmoney Corp Ltd reported an EPS of AU$0.072 in its last earnings report, beating expectations of AU$0.07. Following the earnings report the stock price went down -3.5%.

Which hedge fund is a major shareholder of Harmoney Corp Ltd?

Currently, no hedge funds are holding shares in AU:HMY

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Harmoney Corp Ltd Stock Smart Score

Outperform

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

15.24%

Trailing 12-Months

Learn more about TipRanks Smart Score

Top Smart Score Stocks >

Company Description

Harmoney Corp Ltd

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.

Harmoney Corp Ltd (HMY) Earnings & Revenues

Historic Earnings Reports

HMY Stock 12 Month Forecast

Average Price Target

AU$1.39

▲(66.87% Upside)

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Detailed Analyst Forecast >