Harmoney Corp Ltd · ASX:HMY

Harmoney — Q1 FY27 Earnings Presentation

13 slides from Harmoney's earnings presentation, Oct 22, 2026

  1. Slide 1: 1Q27 Investor Presentation

    1Q27 Investor al use only Presentation ASX HMY David Stevens CEO and Managing Director Simon Ward CFO All values are in $AUD unless stated otherwise HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 1 1

  2. Slide 2: Contents

    Contents 1. FY27 Profit guidance al use only 2. Financial results 3. Intermediary channel update 4. Capital & funding HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 2

  3. Slide 3: FY27 Guidance reaffirmed

    FY27 Guidance reaffirmed FY27 Guidance: $16m+ Cash NPAT Cash NPAT al use only ● Stellare® 2.0 and new intermediary channel driving year end loan book to $1b+ 187% CAGR ● Cash NPAT: $16m+ Share buy-back continuing ● Board and management continue to see significant value in Harmoney’s equity at current

  4. Slide 4: Strong momentum continuing in 1Q27

    Strong momentum continuing in 1Q27 1Q27 1Q26 Change Loan book $912m $833m +9% al use only Australia $573m $502m +14% New Zealand NZ$418m NZ$378m +11% Net interest margin 10.3% 10.3% No change Credit losses 3.8% 3.8% No change Risk adjusted margin 6.5% 6.5% No change 90 Day arrears 0.64% 0.77% 13bps

  5. Slide 5: Intermediary channel: Australia now live - and growing fast

    Intermediary channel: Australia now live - and growing fast!! 2 Cumulative Australian originations since launch partners live in Australia in Sept 26 al use only More joining through 2Q27 PARTNERS INCLUDE  $20b AU car lending “ “Cleared funds in 25 minutes from when the client first picked up the ph

  6. Slide 6: 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 al use only ● Prime customer profile First Loan ● $18,000 loan Data Intelligence 1 ● ~5.6% CAC = $1,000 ● Quality 1st p

  7. Slide 7: FY27 Accelerating the Flywheel

    FY27 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 Intermediary Vehicle loan al use only ●

  8. Slide 8: Harmoney is well capitalised for significant growth

    Harmoney is well capitalised for significant growth al use only Cash supports $1.9b loan book Reinvested profits fund loan book As at 30 June 2026 growth beyond $1.9b ● Growing profits fund future loan book growth, (i.e. $1m profit funds $30m loan book growth). Unrestricted Cash $27m Supports 113% ●

  9. Slide 9: Appendix

    al use only Appendix HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 9

  10. Slide 10: Market Cap vs Business value

    Market Cap vs Business value al use only Existing loan book value + Business value at 30 June 2026 ● Proprietary, highly automated Stellare® customer acquisition and credit assessment engine. Over 10,000 $135m+ new applicants create an account every month. income and assets embedded ● Existing custo

  11. Slide 11: Management/Board owned, plus shareholder aligned long term incentive plan

    28% Management/Board owned, plus 10% shareholder aligned long term incentive plan al use only HMY Shareholder Composition Long term incentive share plan ● LTI targets approved at December 2025 AGM. ● Targets are based on shareholder-aligned Earnings Board & management per Share (EPS) growth and Tota

  12. Slide 12: Join our Investor Hub

    Join our Investor Hub: harmoney.com.au/invest al use only ● 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 anno

  13. 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

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