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About the company
Harmoney Corp Limited is a New Zealand-based online direct personal lender. The Company provides secured and unsecured personal loans across Australia and New Zealand. The Company’s primary business is to originate, service, and invest in loans. 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 decisions and risk-based pricing. The Company offers various loans, including personal loans, debt consolidation, home improvements, wedding loans, car loans, holiday loans, education loans, medical expenses, and business loans. The Company operates through two geographical segments: Australia and New Zealand.
- Revenue in AUD (TTM)131.83m
- Net income in AUD5.52m
- Incorporated2014
- Employees79.00
- LocationHarmoney Corp LtdLevel 3110 Customs Street West,, Auckland CbdAuckland 1010New ZealandNZL
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WISR Ltd | 91.57m | -7.26m | 47.48m | 32.00 | -- | 1.41 | -- | 0.5185 | -0.0052 | -0.0052 | 0.066 | 0.0192 | 0.1071 | -- | 155.43 | -- | -0.8492 | -1.80 | -0.8545 | -1.81 | -- | -- | -7.93 | -18.18 | -- | 0.8702 | 0.9691 | -- | -2.35 | 66.45 | 11.37 | -- | -- | -- |
| Moneyme Ltd | 193.68m | -66.61m | 78.81m | -- | -- | 0.6307 | -- | 0.4069 | -0.0834 | -0.0834 | 0.2424 | 0.1538 | 0.128 | -- | 10.09 | -- | -4.40 | -1.67 | -4.42 | -1.68 | 88.14 | -- | -34.39 | -10.43 | -- | 1.05 | 0.9254 | -- | -2.88 | 34.26 | -393.10 | -- | 10.53 | -- |
| Harmoney Corp Ltd | 131.83m | 5.52m | 80.12m | 79.00 | 14.29 | 2.32 | 11.21 | 0.6078 | 0.0539 | 0.0539 | 1.29 | 0.3314 | 0.1586 | -- | 40.23 | 1,668,709.00 | 0.664 | -1.92 | 0.6693 | -1.93 | 55.42 | 60.95 | 4.19 | -12.77 | -- | 13.67 | 0.96 | -- | 8.36 | -- | 141.82 | -- | -- | -- |
| FSA Group Ltd | 123.09m | 10.52m | 156.31m | 95.00 | 14.43 | 1.79 | 11.22 | 1.27 | 0.0866 | 0.0866 | 1.01 | 0.6982 | 0.1332 | -- | -- | 1,295,684.00 | 1.21 | 2.13 | 1.23 | 2.19 | 52.21 | 65.01 | 9.07 | 16.52 | -- | -- | 0.8961 | 61.37 | 21.89 | 8.32 | 43.21 | -8.40 | -17.08 | 3.13 |
| Plenti Group Ltd | 284.68m | 34.35m | 175.25m | -- | 5.42 | 3.33 | 4.87 | 0.6156 | 0.1791 | 0.1791 | 1.48 | 0.2915 | 0.1076 | -- | 369.71 | -- | 1.30 | -0.3173 | 1.30 | -0.3202 | 39.20 | 40.98 | 12.07 | -3.30 | -- | 759.44 | 0.9815 | -- | 22.94 | 44.26 | 268.33 | -- | -24.70 | -- |
| CVC Ltd | 23.29m | 537.73k | 249.60m | 10.00 | 459.23 | 1.43 | -- | 10.72 | 0.0047 | 0.0047 | 0.1996 | 1.49 | 0.0675 | 2.95 | 0.5572 | -- | 0.3579 | 3.20 | 0.5064 | 4.02 | 56.61 | 45.58 | 5.31 | 20.40 | 0.5178 | -- | 0.4763 | 97.79 | 36.17 | 4.11 | 121.37 | -- | -3.26 | -- |
| Solvar Ltd | 207.38m | 31.42m | 315.41m | 351.00 | 10.94 | 0.9302 | 9.23 | 1.52 | 0.1526 | 0.1526 | 1.01 | 1.80 | 0.209 | -- | 511.42 | -- | 3.17 | 4.46 | 4.80 | 5.41 | 97.04 | 97.94 | 15.15 | 19.35 | -- | 1.86 | 0.6246 | 70.43 | -3.99 | 10.83 | 84.39 | 7.20 | -17.04 | 11.84 |
| COG Financial Services Ltd | 367.73m | 18.78m | 345.33m | 2.00k | 17.35 | 2.16 | 7.26 | 0.9391 | 0.094 | 0.094 | 1.84 | 0.7535 | 0.5327 | 1,896.49 | 15.19 | -- | 4.31 | 2.98 | 9.10 | 6.31 | 54.62 | 45.00 | 8.08 | 4.92 | 0.9114 | 2.60 | 0.6455 | 217.87 | 1.49 | 10.97 | 46.10 | -- | -28.03 | 31.60 |
| Humm Group Ltd | 656.60m | 20.80m | 355.05m | 730.00 | 17.02 | 0.6599 | 8.97 | 0.5407 | 0.0417 | 0.0417 | 1.31 | 1.08 | 0.1236 | -- | -- | -- | 0.4931 | -0.2827 | 0.4983 | -0.287 | 50.99 | 60.59 | 3.99 | -2.26 | -- | -- | 0.8976 | -- | 7.64 | 7.03 | 1,700.00 | 12.12 | -7.64 | -11.74 |
| Resimac Group Ltd | 1.07bn | 34.58m | 397.51m | 250.00 | 11.64 | 1.09 | 10.58 | 0.3703 | 0.0864 | 0.0864 | 2.68 | 0.9229 | 0.0672 | -- | 78.92 | -- | 0.2165 | 0.4528 | 0.3133 | 0.6324 | 15.79 | 23.64 | 3.22 | 8.74 | -- | 18.63 | 0.9781 | 52.15 | 7.13 | 17.93 | -0.0174 | -9.16 | -8.80 | 18.47 |
| Holder | Shares | % Held |
|---|---|---|
| Waterfall Asset Management LLCas of 31 Jul 2025 | 3.93m | 3.78% |
| Netwealth Investments Ltd.as of 31 Jul 2025 | 1.11m | 1.07% |
