Harmoney
Harmoney is an online direct personal lender operating in Australia and New Zealand. It provides unsecured personal loans to consumers through a 100% online platform, utilizing technology and data science for credit assessment. Harmoney aims to offer fast, easy, and competitively priced loans, differentiating itself through its technology-driven approach to lending.
Short position
Harmoney (ASX:HMY) has 0.00% of its shares on issue reported as short positions as of 22 Sept 2026, or about 128 shares. Over the past 30 days that figure has been broadly flat, and over 90 days it has been broadly flat. Its highest recorded short interest was 0.07% in July 2021. HMY is classified in the Financial Services industry. All figures come from official ASIC short position reports, published with a four trading-day (T+4) delay.
Price & short interest
Toggle series, zoom, and compare · ASIC daily, T+4Harmoney (HMY) financials
Results, ratios and statements
Latest result
Year to 30 Jun 2026 (FY26) vs FY25, figures in AUD, the reporting currency
- Revenue
- $145.0MM (source: ASX (Markit))vs $131.8MM (source: ASX (Markit)) (FY25)
- ASX (Markit), as at 29 Sep 2026
- NPAT
- $10.2MM (source: ASX (Markit))vs $5.5MM (source: ASX (Markit)) (FY25)
- ASX (Markit), as at 29 Sep 2026
- EPS (basic)
- n/avs n/a (FY25)
- Rev YoY
- +10.0%FY
- EPS YoY
- n/aFY
- ASX (Markit)
Key ratios
Year to 30 Jun 2026 (FY); no balance sheet aligned with this period; prices to 9 Oct 2026
- Gross margin
- n/a
- Operating margin
- n/a
- Net margin
- 7.1%
- FCF margin
- n/a
- ROE
- n/a
- ROA
- n/a
- FCF conversion
- n/a
- Net debt (excl. leases)
- n/a
- Net debt / EBITDA
- n/a
- Current ratio
- n/a
- Interest cover
- n/a
- Cash dividends paid / net profit
- n/a
- Market cap
- n/a (no share count we can vouch for)
- P/E
- n/a
- P/B
- n/a (no share count we can vouch for)
Ratios use the reporting currency (AUD); market cap is in AUD. Sources: Yahoo Finance and ASX (Markit), as at 29 Sep 2026.
Financial statements
Figures in AUD, the reporting currency; Yahoo Finance unless marked
| Line item | FY26 | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Revenue | $145.0MM (source: ASX (Markit)) | $131.8MM (source: ASX (Markit)) | $121.7MM (source: ASX (Markit)) | $105.5MM (source: ASX (Markit)) |
| NPAT | $10.2MM (source: ASX (Markit)) | $5.5MM (source: ASX (Markit)) | −$13.2MM (source: ASX (Markit)) | −$7.6MM (source: ASX (Markit)) |
| Shares | 103.0M | 104.1M | 102.0M | 101.6M |
- ASX (Markit)
Financial reports
The company's own filings, newest first
- Notice of Annual Meeting of Shareholders and Annual ReportAnnual Report9 Oct 2026via asx_announcements
- FY26 Appendix 4EAnnual Results20 Aug 2026via asx_announcements
- FY26 Annual ReportAnnual Report20 Aug 2026via asx_announcements
- Appendix 4D and 1H26 Half Year ReportHalf Year Results19 Feb 2026via asx_announcements
- Credit GuideFinancial Report31 Dec 2025via crawler
- Target Market DeterminationFinancial Report31 Dec 2025via crawler
- Notice of Annual Meeting of Shareholders and Annual ReportAnnual Report4 Nov 2025via asx_announcements
- FY25 Annual ReportAnnual Report20 Aug 2025via asx_announcements
- FY25 Appendix 4EAnnual Results20 Aug 2025via asx_announcements
- Appendix 4D and 1H25 Half Year ReportHalf Year Results20 Feb 2025via asx_announcements
Showing 10 of 15 reports