ASX/HMY (ASX/HMY)

Australian Securities Exchange: ASX/HMY · AUD

A$0.70

+0.00 (0.0%)· Recorded snapshot

Market cap	71.3M
Revenue (ttm)	50.1M
Net income (ttm)	10.2M
EPS (ttm)	A$0.10
Shares out	102.7M
P/E (trailing)	7.0x
P/E (forward)	4.9x
Volume	21,295
Beta	1.06

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 50.1M
Net income (ttm): 10.2M
EPS (ttm): A$0.10
P/E (trailing): 7.0x
P/E (forward): 4.9x
Market cap: 71.3M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E4.9

P25 n/aP50 n/aP75 n/a

Trailing P/E7

P25 n/aP50 n/aP75 n/a

ROE25.2

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All ASX/HMY indicators

Market & fundamental data

Available fields

199

Groups with data

Currency

AUD

Showing 199 of 199 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AUD
Country	New Zealand
Country code	AU
Earnings date	2026-10-21
Employees	84
Employees change	5
Employees growth	6.33%
Exchange	Australian Securities Exchange
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2014
Industry	Credit Services
Is primary listing	Yes
ISIN number	NZHMYE0001S5
Last earnings date	2026-10-21
Last refreshed	2026-10-29
Market cap	AUD 71.3M
Next earnings date	2026-11-18
Price	AUD 0.70
Price currency	AUD
Sector	Financials
SIC code	6141
Stock price date	2026-10-29
Symbol	asx/HMY
Website	https://www.harmoney.co.nz

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	15.38x
Earnings yield	14.22%
FCF yield	50.7%
Forward P/E	4.9x
Graham number	1.00604
Graham upside	44.75%
Industry forward P/E	8.25x
Industry P/E	11x
P/(FCF - SBC) ratio	2.08x
P/(OCF - SBC) ratio	1.84x
P/B ratio	1.52x
P/E ratio	7.03x
P/FCF ratio	1.97x
P/OCF ratio	1.76x
P/S ratio	1.43x
Price / tangible book value	1.95x
Sector forward P/E	18.25x
Sector P/E	19.99x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	72.27%
Gross margin	70.43%
Operating margin	10.45%
Pretax margin	10.45%
Profit margin	20.46%
Profit per employee	AUD 121,905
Profitable quarters	4
Profitable years	2
Revenue per employee	AUD 595,881
ROA	1.13%
ROA (5Y)	-0.95%
ROE	25.17%
ROE (5Y)	-6.28%
SBC / revenue	3.58%
Tax / revenue	-10.01%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	97.69%
EPS growth (Q)	31.89%
EPS growth (QoQ)	-34.39%
EPS growth quarters	4
EPS growth years	2
FCF growth	19.25%
FCF growth (Q)	26.25%
FCF growth (QoQ)	39.11%
FCF growth 3Y	25.06%
Net income growth	85.57%
Net income growth (Q)	19.15%
Net income growth (QoQ)	-30.97%
Net income growth quarters	4
Net income growth years	2
OCF growth	15.98%
OCF growth (Q)	21.24%
OCF growth (QoQ)	32.37%
OCF growth 3Y	20.01%
Operating income growth	58.13%
Operating income growth (Q)	101.31%
Revenue growth	13.83%
Revenue growth (Q)	5.11%
Revenue growth (QoQ)	-6.23%
Revenue growth 3Y	13.3%
Revenue growth 5Y	28.21%
Revenue growth quarters	12
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AUD -4.5M
Depreciation and amortization	AUD 700,000
EPS	AUD 0.10
FCF per share	AUD 0.35
Financing cash flow	AUD 86.8M
Free cash flow	AUD 36.2M
Free cash flow minus SBC	AUD 34.4M
Gross profit	AUD 35.3M
Income taxes	AUD -5M
Investing cash flow	AUD -134.9M
Net borrowing	AUD 87.4M
Net cash flow	AUD -9.4M
Net income	AUD 10.2M
Operating cash flow minus SBC	AUD 38.8M
Operating income	AUD 5.2M
Revenue	AUD 50.1M
Stock-based compensation	AUD 1.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AUD 0.46
Debt / equity	18.73
Debt / FCF	24.27
Net cash (debt)	AUD -834.6M
Net cash / market cap	-1,169.79%
Net debt / equity	17.8
Net debt / FCF	23.07
Piotroski F-Score	6
Property, plant and equipment	AUD 3.2M
Shareholders' equity	AUD 46.9M
Tangible book value	AUD 36.5M
Tangible book value per share	AUD 0.35
Total assets	AUD 931M
Total cash	AUD 43.3M
Total debt	AUD 878M
Total liabilities	AUD 884.2M
WACC	0.76%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.06
Current ratio	135.59
Quick ratio	135.4
Working capital	AUD 893.5M
Working capital turnover	0.06

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-1.61%
Shareholder yield	-1.61%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	AUD 0.76
1D price change	0%
1M price change	-6.08%
1M total return	-6.08%
1W price change	0.72%
1W total return	0.72%
1Y price change	-25.27%
1Y return CAGR	-25.28%
1Y total return	-25.27%
20-day SMA	AUD 0.69
200-day SMA	AUD 0.78
3M price change	-13.13%
3M total return	-13.13%
3Y price change	41.84%
3Y return CAGR	12.35%
3Y total return	41.84%
50-day SMA	AUD 0.73
50-day SMA vs 200-day SMA	50under200
52-week high	AUD 0.98
52-week high date	2025-10-30
52-week low	AUD 0.63
52-week low date	2026-03-23
5Y price change	-63.8%
5Y return CAGR	-18.39%
5Y total return	-63.8%
6M price change	-13.13%
6M total return	-13.13%
All-time high	AUD 3.55
All-time high date	2020-11-20
All-time low	AUD 0.29
All-time low date	2023-06-16
Average true range (ATR)	AUD 0.02
Average volume	55.9K
Beta (1Y)	0.35
Beta (2Y)	0.45
Beta (5Y)	1.06
Change from 52-week high	-28.72%
Change from 52-week low	10.32%
Change from all-time high	-80.42%
Change from all-time low	139.66%
Change from open	-1.42%
Day's gap	1.44%
Dollar volume	AUD 14,800
High price	AUD 0.71
Low price	AUD 0.70
Monthly RSI	47.55
Open price	AUD 0.71
Position in 52-week range	0%
Previous close	AUD 0.70
Price vs 150-day SMA	-8.48%
Price vs 20-day SMA	0.77%
Price vs 200-day SMA	-10.62%
Price vs 50-day SMA	-4.38%
Relative volume	0.38
RSI	48.68
Sharpe ratio	-0.41
Sharpe ratio (3Y)	0.42
Sharpe ratio (5Y)	0.02
Sortino ratio	-0.47
Sortino ratio (3Y)	0.77
Sortino ratio (5Y)	0.11
Volume	21.3K
Weekly RSI	43.66
YTD price change	-23.63%
YTD total return	-23.63%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	41.9M
Shares change (QoQ)	5.21%
Shares change (YoY)	1.61%
Shares held by insiders	35%
Shares held by institutions	6.12%
Shares outstanding	102.7M

Deeper analysis on ASX/HMY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this ASX/HMY report

Is a complete ASX/HMY research report available?

No complete published report is available for asx/HMY (ASX/HMY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

71.3M

Revenue (ttm)

50.1M

Net income (ttm)

10.2M

EPS (ttm)

A$0.10

Shares out

102.7M

P/E (trailing)

7.0x

P/E (forward)

4.9x

Volume

21,295

Beta

1.06

Metric

Value

Amount currency

AUD

Country

New Zealand

Country code

Earnings date

2026-10-21

Employees

Employees change

Employees growth

6.33%

Exchange

Australian Securities Exchange

Financial currency

AUD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

June

Founded

2014

Industry

Credit Services

Is primary listing

Yes

ISIN number

NZHMYE0001S5

Last earnings date

2026-10-21

Last refreshed

2026-10-29

Market cap

AUD 71.3M

Next earnings date

2026-11-18

Price

AUD 0.70

Price currency

AUD

Sector

Financials

SIC code

6141

Stock price date

2026-10-29

Symbol

asx/HMY

Website

https://www.harmoney.co.nz

Metric

Value

Adjusted P/E ratio

15.38x

Earnings yield

14.22%

FCF yield

50.7%

Forward P/E

4.9x

Graham number

1.00604

Graham upside

44.75%

Industry forward P/E

8.25x

Industry P/E

11x

P/(FCF - SBC) ratio

2.08x

P/(OCF - SBC) ratio

1.84x

P/B ratio

1.52x

P/E ratio

7.03x

P/FCF ratio

1.97x

P/OCF ratio

1.76x

P/S ratio

1.43x

Price / tangible book value

1.95x

Sector forward P/E

18.25x

Sector P/E

19.99x

Metric

Value

FCF margin

72.27%

Gross margin

70.43%

Operating margin

10.45%

Pretax margin

10.45%

Profit margin

20.46%

Profit per employee

AUD 121,905

Profitable quarters

Profitable years

Revenue per employee

AUD 595,881

ROA

1.13%

ROA (5Y)

-0.95%

ROE

25.17%

ROE (5Y)

-6.28%

SBC / revenue

3.58%

Tax / revenue

-10.01%

Metric

Value

EPS growth

97.69%

EPS growth (Q)

31.89%

EPS growth (QoQ)

-34.39%

EPS growth quarters

EPS growth years

FCF growth

19.25%

FCF growth (Q)

26.25%

FCF growth (QoQ)

39.11%

FCF growth 3Y

25.06%

Net income growth

85.57%

Net income growth (Q)

19.15%

Net income growth (QoQ)

-30.97%

Net income growth quarters

Net income growth years

OCF growth

15.98%

OCF growth (Q)

21.24%

OCF growth (QoQ)

32.37%

OCF growth 3Y

20.01%

Operating income growth

58.13%

Operating income growth (Q)

101.31%

Revenue growth

13.83%

Revenue growth (Q)

5.11%

Revenue growth (QoQ)

-6.23%

Revenue growth 3Y

13.3%

Revenue growth 5Y

28.21%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

AUD -4.5M

Depreciation and amortization

AUD 700,000

EPS

AUD 0.10

FCF per share

AUD 0.35

Financing cash flow

AUD 86.8M

Free cash flow

AUD 36.2M

Free cash flow minus SBC

AUD 34.4M

Gross profit

AUD 35.3M

Income taxes

AUD -5M

Investing cash flow

AUD -134.9M

Net borrowing

AUD 87.4M

Net cash flow

AUD -9.4M

Net income

AUD 10.2M

Operating cash flow minus SBC

AUD 38.8M

Operating income

AUD 5.2M

Revenue

AUD 50.1M

Stock-based compensation

AUD 1.8M

Metric

Value

Book value per share

AUD 0.46

Debt / equity

18.73

Debt / FCF

24.27

Net cash (debt)

AUD -834.6M

Net cash / market cap

-1,169.79%

Net debt / equity

17.8

Net debt / FCF

23.07

Piotroski F-Score

Property, plant and equipment

AUD 3.2M

Shareholders' equity

AUD 46.9M

Tangible book value

AUD 36.5M

Tangible book value per share

AUD 0.35

Total assets

AUD 931M

Total cash

AUD 43.3M

Total debt

AUD 878M

Total liabilities

AUD 884.2M

WACC

0.76%

Metric

Value

Asset turnover

0.06

Current ratio

135.59

Quick ratio

135.4

Working capital

AUD 893.5M

Working capital turnover

0.06

Metric

Value

Buyback yield / dilution

-1.61%

Shareholder yield

-1.61%

Metric

Value

150-day SMA

AUD 0.76

1D price change

1M price change

-6.08%

1M total return

-6.08%

1W price change

0.72%

1W total return

0.72%

1Y price change

-25.27%

1Y return CAGR

-25.28%

1Y total return

-25.27%

20-day SMA

AUD 0.69

200-day SMA

AUD 0.78

3M price change

-13.13%

3M total return

-13.13%

3Y price change

41.84%

3Y return CAGR

12.35%

3Y total return

41.84%

50-day SMA

AUD 0.73

50-day SMA vs 200-day SMA

50under200

52-week high

AUD 0.98

52-week high date

2025-10-30

52-week low

AUD 0.63

52-week low date

2026-03-23

5Y price change

-63.8%

5Y return CAGR

-18.39%

5Y total return

-63.8%

6M price change

-13.13%

6M total return

-13.13%

All-time high

AUD 3.55

All-time high date

2020-11-20

All-time low

AUD 0.29

All-time low date

2023-06-16

Average true range (ATR)

AUD 0.02

Average volume

55.9K

Beta (1Y)

0.35

Beta (2Y)

0.45

Beta (5Y)

1.06

Change from 52-week high

-28.72%

Change from 52-week low

10.32%

Change from all-time high

-80.42%

Change from all-time low

139.66%

Change from open

-1.42%

Day's gap

1.44%

Dollar volume

AUD 14,800

High price

AUD 0.71

Low price

AUD 0.70

Monthly RSI

47.55

Open price

AUD 0.71

Position in 52-week range

Previous close

AUD 0.70

Price vs 150-day SMA

-8.48%

Price vs 20-day SMA

0.77%

Price vs 200-day SMA

-10.62%

Price vs 50-day SMA

-4.38%

Relative volume

0.38

RSI

48.68

Sharpe ratio

-0.41

Sharpe ratio (3Y)

0.42

Sharpe ratio (5Y)

0.02

Sortino ratio

-0.47

Sortino ratio (3Y)

0.77

Sortino ratio (5Y)

0.11

Volume

21.3K

Weekly RSI

43.66

YTD price change

-23.63%

YTD total return

-23.63%

Metric

Value

Float

41.9M

Shares change (QoQ)

5.21%

Shares change (YoY)

1.61%

Shares held by insiders

35%

Shares held by institutions

6.12%

Shares outstanding

102.7M

ASX/HMY (ASX/HMY)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/HMY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/HMY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/HMY

Frequently asked questions

ASX/HMY (ASX/HMY)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/HMY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/HMY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/HMY

Frequently asked questions