Harmoney Corp Ltd · ASX:HMY
Harmoney — Investor Presentation (April 2026)
13 slides from Harmoney's investor presentation, Apr 22, 2026
Slide 1: 3Q26 Investor Presentation
3Q26 Investor Presentation ASX HMY David Stevens CEO and Managing Director Simon Ward CFO All values are in $AUD unless stated otherwise HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 1
Slide 2: FY26 Guidance: Cash NPAT $13m reaffirmed
FY26 Guidance: Cash NPAT $13m reaffirmed $13m Cash NPAT, 128% increase on Cash NPAT pcp 331% ● Stellare® 2.0 driving year end loan book to $900m+ CAGR ● Net interest margin: ~10% ● Risk adjusted income: ~6% ● Cash NPAT: $13m HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 2
Slide 3: Positive key metrics underpin $13m Cash NPAT guidance
Positive key metrics underpin $13m Cash NPAT guidance YTD YTD 3Q26 3Q25 Change Loan book $879m $798m 10% Australian loan book $544m $464m 17% New Zealand loan book NZ$402m NZ$368m 9% Net interest income 10.3% 9.1% 120bps improvement Credit losses 3.8% 3.8% Stable Risk adjusted income 6.5% 5.3% 120bp
Slide 4: Harmoney flywheel
Harmoney flywheel HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 4
Slide 5: How the Flywheel works
How the Flywheel works Result: Unit economics Four stages that create compounding Customer Acquisition that compound economics with each customer ● ~5.6% CAC via Google/AEO/Partners ● Prime customer profile First Loan ● $18,000 loan Data Intelligence 1 ● ~5.6% CAC = $1,000 ● Quality 1st party data ●
Slide 6: FY26-27: Accelerating the Flywheel
FY 26 27 Accelerating the Flywheel Customer Acquisition PROGRESS Deliver Experience PROGRESS 1 2 What we’re building What we’re building ● Next generation AI underwriting with ● Multi-product customers (personal+auto) Stellare® 2.0 ● Life event triggered lending Originations Vehicle loan ● Embedd
Slide 7: Auto update
Auto update Incremental profit driver Auto loan book growth on pcp ● Auto product is highly innovative, turning the borrower into a cash-buyer. Innovation education beginning to gain traction. ● Auto is expected to deliver material incremental growth in addition to continuing personal loan growth. ●
Slide 8: Combined effect: Flywheel acceleration
Combined effect: Flywheel acceleration More customers + Higher Lifetime value + Faster velocity Stellare = accelerated profit growth >$900m $13m 31% FY26 Loan book FY26 Cash NPAT Return on Equity (1H26) Guidance Upgraded Guidance ● The Board and management believe Harmoney’s shares remain undervalued
Slide 9: Appendix
Appendix HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 9
Slide 10: $130m+ embedded cash value in existing loan book
$130m+ embedded cash value in existing loan book + Business Value Existing loan book value + Business value at 31 December 2025 ● Proprietary, highly automated Stellare® 2.0 customer acquisition and credit assessment engine. Over 10,000 $130m+ new applicants create an account every month. income and
Slide 11: 30% Management/Board owned, plus 10% shareholder aligned long term incentive plan
30% Management/Board owned, plus 10% shareholder aligned long term incentive plan HMY Shareholder Composition Long term incentive share plan ● New LTI plan approved at December 2025 AGM. ● Targets are based on shareholder-aligned Earnings Board & Post-IPO Investors management per Share (EPS) growth
Slide 12: Join our Investor Hub: harmoney.com.au/invest
Join our Investor Hub: harmoney.com.au/invest ● Investor Hub is the best way to stay informed and connected with all things ASX: HMY. ● Comment and ask questions directly to Harmoney’s leadership team and see other investors questions and responses. ● See videos accompanying our ASX announcements, i
Slide 13: Important notice and disclaimer
Important notice and disclaimer The material in this presentation is provided for general information purposes No representation or warranty, express or implied, is made as to the fairness, only and is current as at the date of this presentation. It is not a prospectus or completeness, accuracy, ade