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HARMONEY CORP LIMITED — Investor Relations & Filings

Ticker · HMY ISIN · NZHMYE0001S5 ASX Financial and insurance activities
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Filings indexed 290 across all filing types
Latest filing 2023-08-24 Annual Report
Country AU Australia
Listing ASX HMY

About HARMONEY CORP LIMITED

https://www.harmoney.com.au

Harmoney Corp Limited is a financial technology company specializing in online direct-to-consumer lending. The company utilizes a proprietary cloud-based platform, Stellare, to deliver automated credit decisioning and personalized loan products. Its core services include unsecured personal loans for various purposes such as debt consolidation, home improvements, and vehicle purchases. By leveraging advanced data science and machine learning algorithms, the platform assesses risk in real-time to provide borrowers with risk-adjusted interest rates. The business model focuses on a digital-first experience, offering a streamlined application process and rapid funding. Harmoney serves a broad consumer base by providing an alternative to traditional banking institutions through its data-driven approach to credit assessment and customer management.

Recent filings

Filing Released Lang Actions
FY23 Media Release 4 pages 289.0KB
Annual Report Classification · 95% confidence The document is an ASX announcement dated 25 August 2023 providing Harmoney Corp Limited's full year financial results for the fiscal year ended 30 June 2023 (FY23). It includes detailed financial performance metrics such as revenue, loan book growth, net interest margin, cost to income ratio, statutory and cash NPAT, and cash return on equity. The document also contains management commentary on the results, business model, funding, and outlook. It mentions an investor webcast and provides contact information. The length of the document (9678 characters) and the presence of substantive financial data and analysis confirm it is a comprehensive financial report for a full fiscal year. This matches the definition of an Annual Report (10-K) type filing, which covers company activity and full financial performance for the year. Although it is titled as an ASX announcement, the content is a full year results release with detailed financials and outlook, which is typically classified as an Annual Report equivalent in this context rather than a brief Earnings Release or Regulatory Filing. Therefore, the appropriate classification is Annual Report (10-K). FY 2023
2023-08-24 English
FY23 Investor Presentation 31 pages 2.2MB
Investor Presentation Classification · 100% confidence The document is titled 'FY23 Investor Presentation' and is dated 25 August 2023. It contains detailed financial results for fiscal year 2023, including loan book size, revenue, net interest margin, cost to income ratio, cash NPAT, and return on equity. It also discusses business model overview, strategy, risk management, and growth opportunities. The content is structured as a presentation with slides, charts, and key performance indicators, typical of investor presentations. There is no indication that this is a full annual report (10-K) or an earnings release (ER) which would be more concise and focused on financial highlights only. It is not a regulatory filing, audit report, or management report. The presence of forward-looking statements, disclaimers, and detailed business strategy further supports classification as an investor presentation. The document length (15,000 characters) and detailed content confirm it is the presentation itself, not just an announcement of a report. Therefore, the appropriate classification is Investor Presentation (IP).
2023-08-24 English
HMY prices inaugural NZ$200m ABS transaction 3 pages 200.2KB
Capital/Financing Update Classification · 95% confidence The document is an ASX announcement dated 17 August 2023 about Harmoney Corp Limited pricing its inaugural NZ$200 million asset-backed securities (ABS) transaction. It details the transaction structure, credit ratings, pricing, and settlement date. The content focuses on a financing event, specifically the issuance of ABS backed by personal loans. There are no financial statements or comprehensive financial performance data typical of annual or interim reports. The document is an announcement of a capital raising transaction rather than a full report or earnings release. Therefore, the appropriate classification is Capital/Financing Update (CAP). The document length (4876 characters) and content confirm it is a full announcement, not just a brief notice or report publication announcement.
2023-08-16 English
Harmoney FY23 Results - conference call details 2 pages 151.3KB
Regulatory Filings Classification · 95% confidence The document is an ASX announcement dated 14 August 2023, providing details about an upcoming conference call for the Harmoney FY23 full year results scheduled for 25 August 2023. It includes information on the webcast, registration, and contact details. The document does not contain the actual financial results or detailed financial statements but rather announces the event where the results will be presented. The document length is 3159 characters, which is relatively short and consistent with an announcement rather than a full report. According to the 'Menu vs Meal' rule, this is an announcement of a report (the full year results) and a conference call, not the report itself. Therefore, the appropriate classification is 'Call Transcript' (CT) only if it contained the transcript, but since this is only the announcement of the call, it is best classified as a Regulatory Filing (RNS) as a general announcement that does not fit other categories better.
2023-08-13 English
Updated Long Term Incentive Plan Rules 15 pages 299.3KB
Governance Information Classification · 95% confidence The document is titled 'Harmoney Corp Limited Long Term Incentive Plan Rules' and details the rules and operation of a long-term incentive plan for employees, including allocation of rights, vesting conditions, cessation of employment, variations of capital, and treatment in takeover scenarios. It is a detailed plan document related to employee share rights and incentives, not a financial report, earnings release, or regulatory announcement. It does not contain financial statements or performance data, nor is it an announcement or proxy solicitation. It is a governance-related document outlining internal rules and policies regarding employee incentives and share rights. Therefore, the most appropriate classification is Governance Information (CGR).
2023-08-03 English
FY23 Preliminary Results & new funding warehouse 4 pages 218.7KB
Annual Report Classification · 95% confidence The document is an ASX announcement dated 1 August 2023 providing a detailed update on Harmoney Corp Limited's financial performance for the fiscal year ended 30 June 2023 (FY23). It includes key financial metrics such as Cash NPAT, Cash ROE, loan book growth, revenue, net interest margin, cost to income ratio, and credit performance. The document also discusses new funding facilities and strategic outlook. The content is comprehensive and contains substantive financial data and analysis for the full fiscal year, indicating it is a full annual financial performance report rather than a brief earnings release or a simple announcement. It is not a certification, proxy, or voting result announcement, nor is it a presentation or supplementary data. Therefore, the document fits the definition of an Annual Report (10-K equivalent) or a detailed annual financial results announcement. Given the detailed financial data and the fiscal year coverage, the best classification is Annual Report (10-K). Confidence is high due to the detailed financial content and fiscal year coverage. FY 2023
2023-07-31 English

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