Harmoney Corp Announces FY26 Financial Results Release and Investor Presentation in August 2026

Harmoney’s Proprietary Stellare® Platform Powers Its Digital Lending Model

Harmoney operates a fully consumer-direct personal lending model driven by its proprietary Stellare® digital platform, which forms the backbone of its competitive edge in the Australian and New Zealand personal loan markets. The Stellare® platform enables rapid loan application processing, approval, and funding within minutes, significantly faster than traditional bank lending channels. This efficiency is achieved through machine learning-based behavioural analytics that replace traditional credit scorecards with a predictive decision engine, allowing precise credit risk assessment and risk-adjusted pricing tailored to individual borrowers.

About half of Harmoney’s 80-person workforce consists of software engineers, data scientists, and product specialists primarily located in Auckland, New Zealand. This technical expertise supports ongoing enhancements to credit analytics and product offerings. By leveraging direct consumer data and automated credit decisioning, Harmoney’s platform minimizes operational friction common in traditional bank personal loan origination, positioning the company for scalable loan volume growth while maintaining disciplined risk management via technology-driven underwriting.

Personal Loan Offerings and Customer Acquisition Across Australia and New Zealand

Harmoney provides personal loans up to $100,000 with fast, accessible, and competitively priced products using risk-adjusted interest rates determined by its proprietary behavioural analytics engine. The fully online delivery model removes geographic constraints, enabling customers in both countries to apply, receive approval, and access funds digitally. This distinguishes Harmoney from traditional banks reliant on branch networks and legacy systems. The company’s mission centers on helping consumers achieve financial goals with fair, friendly, and simple loan products, reflecting a consumer-focused brand in a competitive lending landscape.

A substantial share of loan originations comes from repeat business with existing customers, a key driver of organic growth that incurs minimal acquisition costs compared to new borrower marketing. This strategy reduces marketing expenses and generates higher-margin transactions relative to competitors heavily reliant on paid customer acquisition. By deepening engagement with its existing customer base through its digital platform, Harmoney has developed a sustainable growth model that does not require escalating acquisition spending to sustain volume increases.

Diversified Funding Through Major Bank Warehouses and Securitisation Programs

Harmoney maintains a diversified funding structure, including warehouse facilities from three of the Big Four banks across Australia and New Zealand. This multi-bank approach mitigates funding concentration risk and ensures stable capital access to support loan originations. The involvement of tier-one banks underscores Harmoney’s scale and creditworthiness.

In addition to warehouse funding, Harmoney accesses capital markets through asset-backed securitisations. The company completed its inaugural securitisation in 2021, followed by a NZD 200 million securitisation focused on New Zealand assets in August 2023. Both transactions received Moody’s public credit ratings, validating asset quality and loan performance. This securitisation capability diversifies funding sources, reduces reliance on warehouse facilities, and may lower funding costs as the company grows.

FY26 Results Release and Management Presentation Schedule

Harmoney’s FY26 results will be released after ASX market close on Thursday, 20 August 2026, followed by a live management presentation on Friday, 21 August 2026. This staggered disclosure allows investors to review financial data before engaging with management during the Q&A session. CEO David Stevens and CFO Simon Ward will lead the presentation, providing strategic and financial insights.

The webcast and teleconference will begin at 8:00am AEST (10:00am NZST). Registered participants will receive dial-in details and webcast links. Presentation slides will be available during the webcast and concurrently released on the ASX platform, ensuring equal access to all investors. Advance registration is required via the company’s Zoom link.

Investor Hub and Direct Communication Channels for Shareholders

Harmoney’s Investor Hub at investorhub.harmoney.com.au serves as a centralized platform for investor information and engagement. It consolidates ASX announcements alongside videos, management interviews, research reports, and webinar recordings, providing comprehensive resources beyond regulatory filings. This platform supports investor education and transparency.

Shareholders can link their holdings to their Investor Hub accounts for personalized communications and submit questions related to the FY26 results at investorhub.harmoney.com.au/link/rkE0ky. For broader inquiries, Ethicus Advisory Partners’ Michael Pegum is the primary investor relations contact at [email protected], ensuring clear channels for shareholder engagement on strategy, operations, or governance matters.

Significance of FY26 Results and Market Expectations

The FY26 results announcement marks a key financial reporting milestone, providing official disclosure of Harmoney’s full-year financial performance, operational metrics, and management outlook for the period ending 30 June 2026. The release will include financial statements, revenue and profitability figures, loan origination volumes, portfolio performance, funding and capital data, and any forward guidance or strategic commentary.

The accompanying management presentation offers senior executives a platform to contextualize results within strategic objectives, discuss business drivers and market conditions, and outline future prospects. The live Q&A session enables investors to seek clarifications on results, competitive positioning, capital allocation, and management confidence, providing insights beyond the static financial disclosures.

Regulatory Compliance and ASX Market Announcement Integration

Harmoney ensures full compliance with ASX continuous disclosure rules by releasing financial results via the official ASX market announcement platform after market close, granting all market participants simultaneous access. Presentation slides will be released concurrently on the ASX platform, allowing investors unable to attend the live session to access the full content. This integrated approach exemplifies best practice corporate governance and minimizes information asymmetry among investors.

Releasing results post-market close aligns with standard practice, preventing intraday share price volatility from pre-release speculation. Scheduling the presentation on Friday morning AEST accommodates investors across time zones and allows the Australian market to open without distraction, promoting orderly market reactions.

Organizational Structure and Team Composition Supporting FY26 Execution

Harmoney’s team of 80 full-time employees includes approximately 40 software engineers, data scientists, and product professionals, highlighting the company’s focus on technology-driven operations and continuous platform innovation. Most technical staff are based in Auckland, New Zealand, close to one of the company’s primary markets, facilitating efficient technology development and product refinement.

This structure emphasizes automation in loan origination, approval, and underwriting, reducing reliance on labor-intensive processes typical of traditional lenders. The relatively lean headcount suggests Harmoney benefits from lower fixed costs compared to traditional lenders with similar origination volumes, potentially yielding structural margin advantages as the company scales. Management’s strategic focus remains on platform innovation, data analytics enhancement, and maintaining technological competitive advantages rather than expanding sales or relationship management teams.