Harmoney Corp - Public Comps and Valuation Multiples

Harmoney Corp Overview

About Harmoney Corp

Harmoney Corp Ltd operates in the consumer credit industry. It provides customers with secured and unsecured personal loans that are easy to access, competitively priced using risk-adjusted interest rates, and accessed completely online. Geographically, the group generates maximum revenue from its business in Australia, and the rest from New Zealand.

Founded

2014

HQ

Employees

Website

harmoney.co.nz

Sectors

Online Lending

Financials

LTM Revenue $89.0M

LTM EBITDA $5.9M

EV

$551M

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Harmoney Corp Financials

As of August 2025, Harmoney Corp reported last 12-month revenue of $89.0M and EBITDA of $5.9M.

In the same period, Harmoney Corp achieved $3.9M in LTM net income.

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Harmoney Corp P&L

In the most recent fiscal year, Harmoney Corp reported revenue of $93.0M and EBITDA of $45.0M.

Harmoney Corp expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$89.0M	XXX	$93.0M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$93.0M	XXX	XXX	XXX
Gross Margin	n/a	XXX	100%	XXX	XXX	XXX
EBITDA	$5.9M	XXX	$45.0M	XXX	XXX	XXX
EBITDA Margin	7%	XXX	48%	XXX	XXX	XXX
EBIT	$10.3M	XXX	$43.7M	XXX	XXX	XXX
EBIT Margin	12%	XXX	47%	XXX	XXX	XXX
Net Profit	$3.9M	XXX	$3.9M	XXX	XXX	XXX
Net Margin	4%	XXX	4%	XXX	XXX	XXX
Net Debt	XXX	XXX	$544M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Harmoney Corp including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $89.0M. EBITDA for the last twelve months was $5.9M. In the most recent fiscal year, Harmoney Corp achieved $93.0M in revenue and $45.0M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$89.0M	Analyst estimates available to subscribers	$93.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$93.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	100.0% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$5.9M	Analyst estimates available to subscribers	$45.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	6.6% EBITDA margin	Analyst estimates available to subscribers	48.3% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$10.3M	Analyst estimates available to subscribers	$43.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	11.6% EBIT margin	Analyst estimates available to subscribers	46.9% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$3.9M	Analyst estimates available to subscribers	$3.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	4.4% net profit margin	Analyst estimates available to subscribers	4.2% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$544M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Harmoney Corp

This financial data table provides comprehensive performance metrics for Harmoney Corp, a company based in Australia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Harmoney Corp generated $89.0M in revenue over the last twelve months.
The company achieved $5.9M in EBITDA over the last twelve months.
Net income over the last twelve months reached $3.9M.

Fiscal Year Performance

In the most recent fiscal year, Harmoney Corp reported $93.0M in total revenue.
Fiscal year EBITDA was $45.0M.
The company maintained a gross profit margin of 100.0% in the most recent fiscal year.
EBITDA margin for the fiscal year was 48.3%.
Net profit margin reached 4.2% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Harmoney Corp. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Harmoney Corp Stock Performance

Harmoney Corp has current market cap of AUD 96.8M (or $63.4M), and EV of AUD 840M (or $551M).

Market Cap Evolution

Harmoney Corp Stock Data

As of September 19, 2025, Harmoney Corp's stock price is AUD 1 (or $1).

See Harmoney Corp trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$551M	$63.4M	XXX	XXX	XXX	XXX	$0.04

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Harmoney Corp Valuation Multiples

Harmoney Corp's trades at 6.1x EV/Revenue multiple, and 14.2x EV/EBITDA.

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Harmoney Corp Financial Valuation Multiples

As of September 19, 2025, Harmoney Corp has market cap of $63.4M and EV of $551M.

Equity research analysts estimate Harmoney Corp's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Harmoney Corp has a P/E ratio of 16.2x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$63.4M	XXX	$63.4M	XXX	XXX	XXX
EV (current)	$551M	XXX	$551M	XXX	XXX	XXX
EV/Revenue	6.2x	XXX	6.1x	XXX	XXX	XXX
EV/EBITDA	93.5x	XXX	14.2x	XXX	XXX	XXX
EV/EBIT	53.4x	XXX	13.7x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	16.2x	XXX	-22.8x	XXX	XXX	XXX
EV/FCF	n/a	XXX	31.1x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Harmoney Corp Margins & Growth Rates

Harmoney Corp's last 12 month revenue growth is 12%

Harmoney Corp's revenue per employee in the last FY averaged $1.2M, while opex per employee averaged $0.6M for the same period.

Harmoney Corp's rule of 40 is 55% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Harmoney Corp's rule of X is 36% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Harmoney Corp Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	12%	XXX	6%	XXX	XXX	XXX
EBITDA Margin	7%	XXX	43%	XXX	XXX	XXX
EBITDA Growth	67%	XXX	-48%	XXX	XXX	XXX
Rule of 40	55%	XXX	55%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	36%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$1.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.6M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	10%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	53%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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