FY26 Results Announcement

• FY26 Cash NPAT $13.5m, exceeding upgraded guidance of $13m
• FY27 Cash NPAT guidance set at $16m+
• Loan book grew 7% to $889m, with Australian and New Zealand books up 14% and 11% respectively
• Risk-adjusted income margin increased by 70bps to 6.4%
• Cost to income ratio improved by 110bps to 17.8%

Harmoney Corp Ltd (ASX: HMY) announced its financial year 2026 results, reporting a Cash Net Profit After Tax (NPAT) of $13.5 million, surpassing the upgraded guidance of $13 million. The company also provided guidance for FY27, setting the Cash NPAT at $16 million plus. The loan book grew by 7% to $889 million, with the Australian book up 14% to $556 million and the New Zealand book up 11% to NZ$406 million. Key metrics showed a 70 basis point increase in the risk-adjusted income margin to 6.4% and a 110 basis point improvement in the cost to income ratio to 17.8%. The company's highly automated platform, Stellare®, continued to drive growth and efficiency.

FY27 Cash NPAT guidance set at $16 million plus

Harmoney expects continued growth in the loan book and improved operating leverage in FY27, supported by the momentum from FY26 and the new intermediary channel.