Harmoney Corp Ltd · ASX:HMY
Harmoney — Investor Presentation (October 2025)
8 slides from Harmoney's investor presentation, Oct 30, 2025
Slide 1: 1Q26 Investor Presentation
1Q26 Investor Presentation ASX HMY David Stevens CEO and Managing Director Simon Ward CFO All values are in $AUD unless stated otherwise HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 1
Slide 2: Contents
Contents 1. FY26 Profit guidance 2. Financial results 3. Secured auto loan launched 4. Capitalisation & funding HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 2
Slide 3: FY26 Guidance reaffirmed
FY26 Guidance reaffirmed FY25 Actual FY26 Guidance Change Cash NPAT $5.7m $12m +111% FY26 Guidance: $12m Cash NPAT Cash NPAT ● Stellare® 2.0 driving year end loan book to $900m+ ● Net interest margin: 9%-10% 320% CAGR ● Risk adjusted income: ~6% ● Cash NPAT: $12m HARMONEY ©2025 1Q26 INVESTOR PRESENT
Slide 4: Key KPI's - Continued loan book and margin growth
Key KPIʼs - Continued loan book and margin growth 1Q26 1Q25 Change Loan book Suppressed by weaker NZD, would be $852m using 30 June 25 FX rate $833m $769m +8% Australia $502 $426 +18% New Zealand NZ$378 NZ$373 +1% Net interest income 10.3% 8.9% 140bps improvement Credit losses Within Harmoney’s targ
Slide 5: Disrupting Auto Finance: Car Product Launch
Disrupting Auto Finance: Car Product Launch Key Product Highlights & Market Opportunity ● Secured Auto Lending rolled out in late September 2025: Flagship Car Product launch delivers risk-adjusted growth. ● Cash Buyer Advantage: Customers receive funds directly into their bank account, empowering th
Slide 6: Harmoney is capitalised for significant growth without raising any equity
Harmoney is capitalised for significant 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 growth, (i.e. $1m profit funds $25m loan book growth). Supports 80% Available Cash growth to $1
Slide 7: 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 8: 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