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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
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 |
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.
| 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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