HMY.AX
HoldFallen FavouriteHarmoney Corp Limited · Financial Services · New Zealand · $55M · Avg Vol: $27K/d
Fallen Favourite: A good business that is expensive and falling. Wait for the price to catch up.
ABOUT HARMONEY CORP LIMITED
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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.
FINANCIAL SUMMARY (AUD)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 116.0M | 133.1M | 141.9M | 176.4M | 15.0% | 50.7M | 194.0M | 211.9M | 9.6% |
| EPS (AUD) | -0.20 | -0.08 | -0.14 | 0.06 | 0.12 | 107.4% | 0.10 | 0.14 | 0.16 | 16.8% |
| Shares | — | 101.6M | 102.0M | 104.1M | 103.0M | +1.4% | 103.0M | — | — | — |
| Debt | — | 787.9M | 811.4M | 890.2M | 1.1B | 10.7% | 890.2M | — | — | — |
| Equity | — | 58.5M | 39.8M | 37.1M | 57.0M | -0.8% | — | — | — | — |
| Op CF | — | 26.0M | 26.5M | 37.7M | 49.4M | 23.8% | 41.2M | — | — | — |
| Inv CF | — | -203.1M | -57.2M | -107.0M | -164.2M | — | — | — | — | — |
| Fin CF | — | 161.6M | 24.5M | 85.2M | 105.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HMY.AX are excluded.
Peer medians: ROE 17.2% · P/E 12.3x · Gross margin 28.3%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.