Harmoney Corp Ltd · ASX:HMY
Harmoney — ASX SMIDcaps Conference (March 2026)
21 slides from Harmoney's conference presentation, Mar 25, 2026
Slide 1: Harmoney Corp Limited ASX SMIDcaps Conference Investor Presentation
Harmoney Corp Limited ASX SMIDcaps Conference Investor Presentation ASX : HMY Harmoney Corp Limited ASX SMIDcaps Conference Investor Presentation ASX: HMY David Stevens CEO and Managing Director All values are in $AUD unless stated otherwise HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 1 PRESEN
Slide 2: Contents
Contents Contents 1. About us 2. Recent 1H26 Financial Results 3. FY26 Profit Guidance 4. Outlook 5. Appendix HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 2 PRESENTATION
Slide 3: About us
About us HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 3 PRESENTATION
Slide 4: Fair, simple, personal loan
Fair, simple, personal loan What sets Harmoney apart Fair, simple, personal loan Loans up to $100,000, Consumer-direct lending, data driven automation average $18,000 ● AU & NZ’s largest 1 0 0 % consumer-direct online lender Personalised pricing ● Market opportunity >$150bn, current market share < 1
Slide 5: $857m Loan Book - demographic consistency across the years
ook - demographic consistency across the years $857m Loan Book - demographic consistency across the years Loan Employment Region purpose status HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 5 PRESENTATION
Slide 6: 30% Management/Board owned, plus 10% shareholder aligned long term incentive plan
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 sharehol
Slide 7: Recent 1H26 Highlights
Recent 1H26 Highlights HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 7 PRESENTATION
Slide 8: 1H26 Highlights
1H26 Highlights 1H26 Highlights vs 1H25 (pcp) $6.1m Statutory NPAT $6.1m Cash NPAT 31% Cash RoE Lending & book growth 1H26 surpassed full year 1H26 also surpassed full Achieved 3 1 % cash return Group loan book growth +9%. FY25 Statutory NPAT of year FY25 Cash NPAT of on equity up from 1 3 %, a Aust
Slide 9: FY26 Profit guidance
FY26 Profit guidance HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 9 PRESENTATION
Slide 10: FY26 Guidance: Cash NPAT $13m, 128% increase on pcp
FY26 Guidance: Cash NPAT $13m, 128% increase on pcp Upgraded by $1m (8%) FY26 Guidance: Cash NPAT $13m, 128% increase on pcp Upgraded by $1m (8%) FY26 Guidance: $13m Cash NPAT Cash NPAT ● Stellare ® 2.0 driving year end loan book to $900m+ 331% ● Net interest margin: ~ 1 0 % C AG R ● Risk adjusted i
Slide 11: Our customer flywheel: Acquire once, earn 2.5X
Our customer flywheel: Our customer flywheel: Acquire once, earn 2.5X We’ve built a self-reinforcing growth engine where each customer generates 1 5 0 % in subsequent lending at near-zero marginal acquisition cost. 150% ~0% 15 Subsequent Lending Repeat Customer C A C Months Existing customers borrow
Slide 12: How the Flywheel works
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% C A C via Google/AEO/Partners ● Prime customer profile First Loan ● $18,000 loan Data Intelligence 1 ● ~5.6% C A C = $1,000
Slide 13: Stellare automation underpins increasing profitability
Stellare ® automation underpins increasing profitability Stellare ®automation underpins increasing profitability Exceptional proven scalability Cost to income ratio below 19% Cost to Loan book ● Loan book up +9%. income % $ ● Stellare ® platform continues to drive an industry leading cost to income
Slide 14: Harmoney is capitalised for significant loan book growth without raising any equity
Harmoney is capitalised for significant loan book growth without raising any equity Harmoney is capitalised for significant loan book growth without raising any equity Current cash supports $1.5b loan book Reinvested profits fund loan book growth beyond $1.5b ● Growing profits fund future loan book g
Slide 15: Outlook
Outlook HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 15 PRESENTATION
Slide 16: FY26-27 - Accelerating the Flywheel
FY 26 - 27 - Accelerating the Flywheel FY 26 - 27 - Accelerating the Flywheel Customer Acquisition Deliver Experience 1 PROGRESS 2 PROGRESS What we’re building What we’re building ● Next generation AI underwriting with ● Multi-product customers (personal+auto) Stellare® 2.0 ● Life event triggered le
Slide 17: Combined effect: Flywheel acceleration
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 C a s h NPAT Return on Equity Guidance Upgraded Guidance HARMONEY ©2026 ASX SMIDcap INVESTOR
Slide 18: $130m+ embedded cash value in existing loan book
$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
Slide 19: Appendix
Appendix HARMONEY ©2026 ASX SMIDcap INVESTOR 25 March 2026 19 PRESENTATION
Slide 20: Join our Investor Hub
Join our Investor Hub: 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 o
Slide 21: Important notice and disclaimer
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 prospectu