• Loan book growth of 8% to $833m, with strong growth in both Australia and New Zealand
• Net interest margin increased to 10.3%, with new lending NIM over 10%
• Credit losses stable at 3.8%, with risk-adjusted income increasing to 6.5%

Harmoney Corp Limited (ASX: HMY) has provided an update on its performance for the 3 months ended 30 September 2025 ('1Q26'), reaffirming its market guidance of FY26 Cash NPAT of $12m, representing a 111% increase on FY25. Key highlights for 1Q26 include: loan book growth of 8% to $833m, with strong growth in both Australia and New Zealand; loan originations increased by 15% in Australia and over 50% in New Zealand; net interest margin (NIM) on the loan book has increased to 10.3% from 8.9%, with new lending NIM continuing at over 10%; credit losses remain stable at 3.8%, with 90+ day arrears rising slightly to 0.77%; risk-adjusted income increased 130bps to 6.5%; the company launched a secured car loan product, leveraging its Stellare 2.0 platform; and Harmoney remains well-capitalized with $35m in available cash reserves and ~$1b in total warehouse credit capacity. The company also expects to refinance its existing $22.5m corporate debt facility in December 2025, reducing the drawn balance to $15m on materially improved terms.

Harmoney reaffirms its FY26 Cash NPAT guidance of $12m, representing a 111% increase on FY25.