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About the company
Harmoney Corp Limited is a New Zealand-based online direct personal lender that operates across Australia and New Zealand providing customers with unsecured personal 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 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 Company offers various loans, including personal loans, debt consolidation, home improvements, wedding loans, car loans, holiday loans, education loans, medical expenses, and business loans.
- Revenue in AUD (TTM)116.34m
- Net income in AUD-4.80m
- Incorporated2014
- Employees80.00
- LocationHarmoney Corp LtdGround Floor79 Carlton Gore Road, NewmarketAuckland 1023New ZealandNZL
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| 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit Intelligence Ltd | 14.33m | -14.63m | 9.68m | -- | -- | 1.13 | -- | 0.676 | -0.1728 | -0.1779 | 0.1699 | 0.097 | 0.6331 | -- | 11.98 | -- | -65.62 | 0.3538 | -87.97 | 0.5211 | -- | -- | -103.66 | 0.6489 | -- | -13.07 | 0.0587 | -- | 5.86 | 28.25 | -585.63 | -- | -16.72 | -- |
| N1 Holdings Ltd | 15.52m | 733.89k | 13.65m | -- | 18.61 | 11.85 | 12.07 | 0.8793 | 0.0083 | 0.0083 | 0.1763 | 0.0131 | 0.1667 | -- | 5.41 | -- | 0.7881 | -1.91 | 1.77 | -2.98 | 94.16 | 85.69 | 4.73 | -8.37 | -- | 1.06 | 0.989 | -- | 32.57 | 30.95 | -51.09 | -- | 9.68 | -- |
| Butn Ltd | 13.33m | -6.73m | 15.02m | -- | -- | 0.8261 | -- | 1.13 | -0.0344 | -0.0344 | 0.0679 | 0.0617 | 0.1428 | -- | 0.1674 | -- | -7.21 | -- | -8.54 | -- | -- | -- | -50.48 | -- | -- | 0.1433 | 0.8626 | -- | 112.02 | -- | 24.61 | -- | -- | -- |
| Harmoney Corp Ltd | 116.34m | -4.80m | 42.82m | 80.00 | -- | 0.9408 | -- | 0.3681 | -0.0511 | -0.0511 | 1.44 | 0.4464 | 0.1503 | -- | 45.04 | -- | -0.6194 | -- | -0.6241 | -- | 59.08 | -- | -4.12 | -- | -- | -18.90 | 0.9421 | -- | 53.08 | -- | 59.62 | -- | -- | -- |
| BNK Banking Corporation Ltd | 83.63m | -3.07m | 43.93m | -- | -- | 0.3483 | -- | 1.94 | -0.0258 | -0.0258 | 0.1909 | 1.06 | -- | -- | -- | -- | -0.1705 | -0.2363 | -- | -- | -- | -- | -13.53 | -2.15 | -- | -- | -- | -- | 200.00 | 49.98 | 68.24 | -- | -- | -- |
| WISR Ltd | 96.73m | -8.29m | 49.38m | 32.00 | -- | 0.9181 | -- | 0.5105 | -0.0062 | -0.0062 | 0.0728 | 0.0392 | 0.1006 | -- | 71.52 | -- | -0.8621 | -4.12 | -0.865 | -4.17 | -- | -- | -8.57 | -43.44 | -- | 0.84 | 0.9426 | -- | 54.66 | 125.06 | 33.92 | -- | -- | -- |
| Earlypay Ltd | 57.00m | -326.00k | 52.19m | 44.00 | -- | 0.6914 | 47.57 | 0.9156 | -0.0012 | -0.0012 | 0.1955 | 0.2604 | 0.1291 | -- | 0.2619 | -- | -0.0738 | 1.44 | -0.1458 | 2.96 | 78.47 | 95.61 | -0.572 | 9.43 | -- | 1.25 | 0.785 | 99.80 | 13.56 | 5.50 | -158.56 | -- | 42.20 | -- |
| Moneyme Ltd | 225.30m | 9.66m | 54.41m | -- | 4.02 | 0.3146 | 2.64 | 0.2415 | 0.0169 | 0.0169 | 0.3831 | 0.2162 | 0.1704 | -- | 29.22 | -- | 0.7307 | -1.62 | 0.7338 | -1.64 | 96.25 | -- | 4.29 | -8.55 | -- | 1.61 | 0.8637 | -- | 66.96 | 58.27 | 124.39 | 76.32 | 89.66 | -- |
| Prospa Group Ltd | 279.78m | -33.34m | 68.27m | -- | -- | 0.6742 | -- | 0.244 | -0.2043 | -0.2043 | 1.72 | 0.6156 | 0.3033 | -- | -- | -- | -3.61 | -3.40 | -3.67 | -3.57 | 75.87 | 83.64 | -11.92 | -12.03 | -- | -15.74 | 0.8835 | -- | 61.91 | 22.06 | -767.01 | -- | 25.19 | -- |
| FSA Group Ltd | 89.17m | 8.20m | 111.03m | 106.00 | 13.60 | 1.28 | 10.38 | 1.25 | 0.0673 | 0.0673 | 0.7321 | 0.7166 | 0.124 | -- | -- | 841,244.10 | 1.30 | 3.16 | 1.33 | 3.26 | 55.57 | 79.30 | 10.45 | 22.04 | -- | -- | 0.8726 | 47.48 | 19.19 | 0.562 | -24.53 | 0.6105 | 5.66 | 0.00 |
| Plenti Group Ltd | 176.49m | -15.54m | 113.51m | -- | -- | 2.04 | -- | 0.6432 | -0.0917 | -0.0917 | 0.9986 | 0.3184 | 0.0921 | -- | 1,534.68 | -- | -0.8111 | -1.66 | -0.8136 | -1.68 | 88.07 | 90.17 | -8.80 | -18.14 | -- | -- | 0.9739 | -- | 62.09 | 54.78 | -115.06 | -- | 49.09 | -- |
| CVC Ltd | 57.09m | 12.87m | 187.50m | 10.00 | 14.71 | 1.07 | 13.82 | 3.28 | 0.1091 | 0.1091 | 0.4864 | 1.50 | 0.1885 | 1.56 | 1.58 | -- | 4.11 | 3.59 | 5.06 | 4.28 | 26.11 | 43.95 | 21.82 | 19.31 | 1.38 | -- | 0.4499 | 138.46 | 16.29 | 10.25 | 119.75 | -9.99 | -27.04 | -9.71 |
| Solvar Ltd | 215.42m | 35.10m | 206.99m | 351.00 | 5.90 | 0.5497 | 5.55 | 0.9609 | 0.166 | 0.166 | 1.02 | 1.78 | 0.2166 | -- | 0.8784 | -- | 3.53 | 6.22 | 4.03 | 6.74 | 97.48 | 98.48 | 16.29 | 24.27 | -- | 1.99 | 0.6246 | 62.96 | 11.42 | 23.25 | -7.75 | 17.59 | -1.18 | 11.67 |
