• Cash NPAT of $6.1m surpasses prior full year Cash NPAT of $5.7m, up 166% year-on-year
• FY26 Cash NPAT guidance upgraded to $13m, a 128% increase on FY25
• Loan originations grew 16% in Australia and 49% in New Zealand, driving 9% growth in the loan book

Harmoney Corp Limited (ASX: HMY) has reported an exceptional set of results for the 6 months ended 31 December 2025 (1H26), with Cash NPAT of $6.1m surpassing the prior full year Cash NPAT of $5.7m and representing 166% growth year-on-year. Statutory NPAT also grew 202% to $6.1m. The company's strong performance has driven an upgrade to its FY26 Cash NPAT guidance, which has been increased by $1 million to $13 million, marking a 128% jump from FY25. This upgrade is the result of continued strong growth in the loan book, margin expansion, and the operating leverage achieved through Harmoney's highly automated Stellare® platform. Loan originations increased by 16% in Australia and 49% in New Zealand, with New Zealand now also benefiting from Stellare® 2.0 following its implementation in June 2025. The group loan book grew by 9% to $857m, with the Australian book growing by 17% and the New Zealand book returning to growth, up 5% in local currency. Net interest margin on the loan book increased to 10.3% from 9.0%, with new lending margin continuing above 10%. Credit losses were 3.9%, up slightly from 3.7%, while 90+ day arrears improved to 0.58% from 0.64%. The company's risk-adjusted income margin rose 110bps to 6.4% from 5.3%, with the higher NIM significantly outweighing the small rise in credit losses. Harmoney's CEO, David Stevens, commented that the exceptional performance demonstrates the power of the Stellare® 2.0 platform to drive scalable, profitable growth. The company has also strengthened its funding position, securing a new $15 million corporate debt facility from a major Australian bank and repaying $7.5 million of previous corporate debt from surplus operating cash flows.

FY26 Cash NPAT guidance upgraded to $13 million, a 128% increase on FY25.