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Harmoney (HMY) investor relations material
Harmoney H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary20 Aug, 2025
Executive summary
Statutory net profit after tax reached $5.5M, an $18.7M year-over-year increase, driven by strong loan book growth, operational efficiency, and neutral non-cash adjustments.
Cash NPAT was $5.7M, exceeding upgraded guidance, with scale and efficiency improvements contributing to a $5.0M increase.
Successful rollout of Stellar/Stellare 2.0 platform in Australia and New Zealand, boosting new customer lending and originations.
Upgraded FY26 cash impact/NPAT guidance to $12M, a 111% increase over FY25, reflecting confidence in continued growth.
Cash ROE reached 24% in Q4, surpassing the 20% run-rate guidance.
Financial highlights
Loan book grew 9% to $829M, with 19% growth in Australia and a turnaround in New Zealand after platform deployment.
Revenue increased 8% to $132M, driven by higher portfolio interest rates and loan book expansion.
Net interest margin improved by 50bps to 9.3%, with risk-adjusted income up 90bps to 5.7%.
Credit losses fell to 3.7% from 4.1% year-over-year, with 90+ day arrears at 0.74%, less than half the Australian market average.
Cost to income ratio dropped to 19%, reflecting strong operating leverage and automation benefits.
Outlook and guidance
FY26 cash impact/NPAT guidance raised to $12M, representing 111% growth over FY25.
Loan book expected to exceed $900M by year-end FY26, with net interest margin maintained in the 9–10% range.
Strategic focus on product expansion (secured vehicle loans, revolving products), AI-driven personalization, and customer retention.
Launch of a mobile app and loyalty program to enhance customer experience and repeat business.
On-market share buy-back to recommence, targeting up to 5% of share capital.
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Q1 2026 TU18 Nov, 2025
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