)
Visual24 Oct 2025
The rise of Alphabet
Harmoney (HMY) investor relations material
Harmoney Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary30 Oct, 2025
Executive summary
FY26 cash NPAT guidance reaffirmed at $12 million, a 111% increase over FY25, with Q1 results in line with expectations and growth driven by loan book expansion and risk-adjusted margin improvement.
Loan book grew 8% year-over-year to $833 million, with strong growth in Australia (up 18%) and New Zealand (up 1%), supported by the rollout of Stellar/Stellare 2.0.
Launched a secured auto loan product on Stellar/Stellare 2.0, offering 100% digital application and funding, targeting new customer segments and aiming to disrupt auto finance.
Focus remains on organic growth in Australia and New Zealand, with no immediate plans for geographic expansion.
Financial highlights
Loan book reached $833 million, up 8% year-over-year; Australian loan book up 18% to $502 million, New Zealand up 1% to NZ$378 million.
Net interest margin increased by 140 bps to 10.3%; risk-adjusted margin improved to 6.5%, up from 5.2% year-over-year.
Credit losses stable at 3.8%, within the 3–4% target range; 90+ day arrears at 0.77%, less than half the Australian market average.
Cost-to-income ratio remains industry-leading at 19%.
Outlook and guidance
On track to finish FY26 with a loan book over $900 million, with net interest margin expected at approximately 10% and risk-adjusted margin over 6%.
FY26 cash NPAT guidance reaffirmed at $12 million, with continued growth expected in both loan book and risk-adjusted margins.
No upgrade to guidance at this time; refinancing of corporate debt expected to provide material savings but not impact current quarter.
How will Harmoney scale the new auto loan?
White-labeling platform: next steps?
Share buyback vs. debt reduction strategy?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Harmoney earnings date
H1 202618 Feb, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage