• Record Cash NPAT of $5.7M, exceeding upgraded guidance
• Cash RoE of 24% in 4Q25, surpassing 20% run-rate guidance
• FY26 Cash NPAT guidance lifted 20% to $12M

Harmoney Corp Limited (ASX: HMY) has announced its results for the financial year ended 30 June 2025 (FY25), and provided upgraded profit guidance for the current financial year (FY26). The company has reported a record Cash NPAT of $5.7M, exceeding its upgraded FY25 guidance of $5.5M. This represents a $5.0M increase from the prior year. Harmoney also achieved a Cash Return on Equity (RoE) of 24% in the fourth quarter of FY25, surpassing its market guidance of a 20% run-rate. The company's loan book grew by 9% to $829M, with the Australian loan book increasing by 19%. This growth was driven by the implementation of Harmoney's Stellare® 2.0 platform, which delivered a 40% increase in new customer originations in Australia and a more than 50% increase in New Zealand. The company's Net Interest Margin increased to 9.3%, while credit losses contracted to 3.7%. Harmoney's high levels of automation have continued to provide operational leverage, with the cost-to-income ratio improving to 19%. Given the strong FY25 performance and the completion of the transition to the Stellare® 2.0 platform, Harmoney has upgraded its FY26 Cash NPAT guidance by 20% to $12M, representing a 111% increase on FY25.

Harmoney has increased its FY26 Cash NPAT guidance by 20% to $12M, representing a 111% increase on FY25 Cash NPAT of $5.7M.

Harmoney is well-positioned for future growth, with over $1B in warehouse funding capacity, $23M in unrestricted cash, and positive operating cash flows to reinvest in loan book growth. The company expects to continue improving its cost-to-income ratio as it scales.