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Harmoney Corp HMY.AX · AUD

Financials · ASX · 🇦🇺 Australia

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0.66

+0.30%

Close of 9 Nov 2026, in AUD

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About Harmoney Corp

Its shares trade on ASX under the ticker HMY.AX. It has been listed since 19 November 2020. In the fiscal year to 30 June 2025, it reported revenue before interest expense of A$131.8m and net income of A$5.5m. At that date it held total assets of A$877.8m and shareholders' equity of A$34.5m.

Harmoney Corp. Ltd. engages in the provision of lending services. The Company’s digital lending platform, Stellare, facilitates its personalized loan product with applications processed and loans funded within 24 hours of acceptance by the customer. Stellare applies a customer’s individual circumstances to its data-driven, machine learning credit scorecard to deliver automated credit decisioning and risk-based pricing. Stellare also replaces the traditional industry credit scorecard with Libra, its predictive behavioral analytics engine, which uses machine learning to analyze direct consumer data to deliver automated credit decisioning and superior risk-based pricing. The firm offers various loans, including personal loans, debt consolidation, home improvements, wedding loans, car loans, holiday loans, education loans, medical expenses, and business loans.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Consumer Finance
Listed since
19 Nov 2020
Employees
80

Leadership

Pay as last reported

  • Mr. Paul LahiffIndependent Chairman of the BoardNZD 185,640
  • Mr. David StevensChief Executive Officer, Managing DirectorNZD 111,167
  • Mr. Neil RobertsFounder, Executive Director, Chief Strategy Officer
  • Ms. Monique CairnsIndependent Director
  • Mr. John QuirkIndependent Director

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
0
Environment
0
Social
0
Governance
0

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Stellare's digital lending platform processes applications within 24 hours for personalized loans.
  • Libra's predictive behavioral analytics engine uses machine learning for superior risk-based pricing.
  • Harmoney offers diverse loan products including personal, debt consolidation, and medical expenses loans.

Weaknesses

  • Harmoney has 80 employees which may limit scalability in the Financials sector.
  • The company is listed since 19 November 2020, indicating a relatively new market presence.
  • Auckland headquarters may not provide strategic advantages in global Financials competition.

Opportunities

  • Expanding Stellare's platform to new markets like Australia could increase market share.
  • Growing demand for digital lending services in New Zealand presents opportunities.
  • Harmoney's focus on machine learning could attract partnerships in Financial Services.

Threats

  • Competition from established lenders in the Financials sector poses a risk.
  • Regulatory changes in New Zealand's Financial Services industry could impact operations.
  • Economic downturns may reduce consumer loan demand in the Financials sector.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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