- AU$45.37m
- AU$765.27m
- AU$105.54m
- 57
- 94
- 80
- 88
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 5.19 | ||
| PEG Ratio (f) | 0.08 | ||
| EPS Growth (f) | 176.73% | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 1 | ||
| Price to Tang. Book | 1.39 | ||
| Price to Free Cashflow | 2.38 | ||
| Price to Sales | 0.39 | ||
| EV to EBITDA | n/a | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | -0.7% | ||
| Return on Equity | -9.29% | ||
| Operating Margin | -4.78% | ||
Financial Summary
| Year End 30th Jun | Unit | 2019 | 2020 | 2021 | 2022 | 2023 | 2024E | 2025E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | AU$m | 31.07 | 35.54 | 35.65 | 68.94 | 105.54 | 133.78 | 147.19 | 34.21% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | n/a | n/a | n/a | n/a | n/a | n/a | +65.57 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
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.
Directors
- Last Annual
- June 30th, 2023
- Last Interim
- December 31st, 2023
- Incorporated
- May 1st, 2014
- Public Since
- November 19th, 2020
- No. of Shareholders
- 766
- No. of Employees
- 80
- Sector
- Banking Services
- Industry
- Financials
- Exchange
Australian Stock Exchange - SEATS- Shares in Issue
- 101,964,147
- Address
- Ground Floor, Auckland, 1023
- Web
- Phone
- Auditors
- PricewaterhouseCoopers Securities Ltd
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FAQ
What is the HarMoney share price?
As of Today at 19:10 UTC, shares in HarMoney are trading at AU$0.45. This share price information is delayed by 15 minutes.
How has the HarMoney share price performed this year?
Shares in HarMoney last closed at AU$0.45 and the price had moved by +23.61% over the past 365 days. In terms of relative price strength the HarMoney share price has outperformed the ASX All Ordinaries Index by +18.24% over the past year.
What are the analyst and broker recommendations for HarMoney?
The overall consensus recommendation for HarMoney is Buy. You can view the full broker recommendation list by unlocking its StockReport.
What is the HarMoney dividend yield?
HarMoney does not currently pay a dividend.
Does HarMoney pay a dividend?
HarMoney does not currently pay a dividend.
When does HarMoney next pay dividends?
HarMoney does not currently pay a dividend.
How do I buy HarMoney shares?
To buy shares in HarMoney you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of HarMoney?
As of the previous close price of AU$0.45, shares in HarMoney had a market capitalisation of AU$45.37m.
Where are HarMoney shares listed?
Here are the trading details for HarMoney:
- Country of listing: Australia
- Exchange: ASX
- Ticker Symbol: HMY
What kind of share is HarMoney?
Based on an overall assessment of its quality, value and momentum HarMoney is currently classified as a Super Stock. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a HarMoney share price forecast for 2024?
The analyst consensus target price for shares in HarMoney is AU$0.93. That is 109.03% above the last closing price of AU$0.45.
Analysts covering HarMoney currently have a consensus Earnings Per Share (EPS) forecast of AU$0.06 for the next financial year.
What is the trend in the HarMoney share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like HarMoney. Over the past six months, its share price has underperformed the ASX All Ordinaries Index by -17.49%.
As of the last closing price of AU$0.45, shares in HarMoney were trading -4.6% below their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the HarMoney PE Ratio?
The HarMoney PE ratio based on its reported earnings over the past 12 months is 5.19. The shares last closed at AU$0.45.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of HarMoney?
We do not have data on HarMoney's directors