• Stellare 2.0 boosts new lending by 40% and new customer originations by 70%
• Cash NPAT of $5.7m exceeds upgraded market guidance, with 24% Cash RoE in 4Q25
• FY26 guidance of $12m Cash NPAT, a 111% increase on FY25

Harmoney Corp Ltd reported its FY25 results, highlighting strong performance across key metrics. The company's loan book grew 9% year-on-year, with a 40% increase in Australian new originations and over 50% growth in New Zealand new originations in the final quarter, driven by the rollout of Stellare 2.0. This automation platform has allowed Harmoney to safely lend to 70% more new customers. The company's net interest margin improved to 9.3%, within the target range of 9-10%, while risk-adjusted income increased 90bps to 5.7%. Harmoney exceeded its upgraded FY25 guidance, reporting $5.7m in Cash NPAT and achieving a Cash RoE of 24% in the final quarter. Looking ahead, the company provided FY26 guidance of $12m Cash NPAT, a 111% increase on the prior year, with the Stellare 2.0 platform expected to drive the loan book to over $900m by year-end. Harmoney's strong financial performance, scalable technology, and prudent risk management have positioned the company for continued growth.

FY26 Guidance: $12m Cash NPAT, representing a 111% increase on FY25. Net interest margin of 9-10% and risk-adjusted income of ~6% are also targeted.

Harmoney is focused on expanding its product suite, including the launch of a revolving credit product and a secured vehicle loan offering. The company also plans to enhance its customer retention through loyalty programs and a mobile app. Harmoney's vision is to evolve into a customer-centric financial ecosystem with powerful and inclusive products.