• FY26 Cash NPAT guidance of $13m reaffirmed, 128% increase on prior year
• Loan book expected to exceed $900m by year end
• Net interest margin of ~10% and risk adjusted income of ~6%
• Positive key metrics underpin $13m Cash NPAT guidance

Harmoney Corp Ltd has provided an update on its 3Q26 performance, reaffirming its FY26 Cash NPAT guidance of $13m, which represents a 128% increase on the prior year. The company's loan book is expected to exceed $900m by year end, driven by 17% growth in the Australian loan book and 9% growth in the New Zealand loan book. Key metrics remain strong, with net interest margin of ~10%, risk adjusted income of ~6%, and a stable cost to income ratio of 18.2%. The company's 'Harmoney Flywheel' strategy continues to drive compounding economics, with repeat customers accounting for 150% in additional lending at near zero cost. The auto loan product is also expected to deliver material incremental growth, with a new partnership secured in New Zealand. The Board and management believe Harmoney's shares remain undervalued, and the company intends to extend its on-market share buyback programme to enhance shareholder value. Overall, Harmoney is delivering on its strategic priorities and remains well-positioned for continued growth.

FY26 Cash NPAT of $13m, representing a 128% increase on the prior year.