View ValuationHarmoney 향후 성장Future 기준 점검 6/6Harmoney (는) 각각 연간 26.6% 및 33.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 31.7% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 32.7% 로 예상됩니다.핵심 정보26.6%이익 성장률31.73%EPS 성장률Consumer Finance 이익 성장16.2%매출 성장률33.9%향후 자기자본이익률32.72%애널리스트 커버리지Low마지막 업데이트15 May 2026최근 향후 성장 업데이트Breakeven Date Change • May 02Forecast breakeven date moved forward to 2024The 3 analysts covering Harmoney previously expected the company to break even in 2026. New consensus forecast suggests the company will make a profit of AU$297.8k in 2024. Earnings growth of 107% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 25Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 40% per year to 2025. The company is expected to make a profit of AU$777.2k in 2026. Average annual earnings growth of 67% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 23Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 66% per year to 2025. The company is expected to make a profit of AU$776.9k in 2026. Average annual earnings growth of 70% is required to achieve expected profit on schedule.Breakeven Date Change • Mar 05Forecast breakeven date pushed back to 2025The 2 analysts covering Harmoney previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 72% per year to 2024. The company is expected to make a profit of AU$1.61m in 2025. Average annual earnings growth of 98% is required to achieve expected profit on schedule.모든 업데이트 보기Recent updatesBoard Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 1 highly experienced director. Independent Non-Executive Director John Quirk was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.공시 • Feb 04Harmoney Corp Limited to Report First Half, 2026 Results on Feb 19, 2026Harmoney Corp Limited announced that they will report first half, 2026 results on Feb 19, 2026공시 • Nov 04Harmoney Corp Limited, Annual General Meeting, Dec 17, 2025Harmoney Corp Limited, Annual General Meeting, Dec 17, 2025.공시 • Jul 28Harmoney Corp Limited to Report Fiscal Year 2025 Results on Aug 20, 2025Harmoney Corp Limited announced that they will report fiscal year 2025 results After-Market on Aug 20, 2025공시 • Jun 13Harmoney Corp Limited Announces Transition Out of Neil Roberts as Chief Strategy Officer, with Effect from 1 July 2025Harmoney Corp. Limited announced this partial selldown coincides with Neil Roberts's planned transition out of his executive role of Chief Strategy Officer of Harmoney, with effect from 1 July 2025. Neil has been a director of the Company since Harmoney's inception, and will continue as a non-executive director of the Company. The Board of Harmoney has determined that Neil may continue to participate in the Company's Long Term Incentive Plan after he ceases to be an executive of the Company, so that Neil can continue to hold the 1,185,000 unvested Rights that have been previously granted to him under that Plan. Those unvested Rights will remain subject to the relevant vesting conditions imposed by the Board and will be eligible to vest to the extent that those vesting conditions are satisfied.공시 • Oct 04Harmoney Corp Limited, Annual General Meeting, Nov 14, 2024Harmoney Corp Limited, Annual General Meeting, Nov 14, 2024.공시 • Aug 15Harmoney Corp Limited to Report Fiscal Year 2024 Results on Aug 23, 2024Harmoney Corp Limited announced that they will report fiscal year 2024 results on Aug 23, 2024Breakeven Date Change • May 02Forecast breakeven date moved forward to 2024The 3 analysts covering Harmoney previously expected the company to break even in 2026. New consensus forecast suggests the company will make a profit of AU$297.8k in 2024. Earnings growth of 107% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 25Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 40% per year to 2025. The company is expected to make a profit of AU$777.2k in 2026. Average annual earnings growth of 67% is required to achieve expected profit on schedule.New Risk • Feb 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings are forecast to decline by an average of 1.6% per year for the foreseeable future. Minor Risks Currently unprofitable and not forecast to become profitable over next 2 years (AU$974k net loss in 2 years). Market cap is less than US$100m (€32.5m market cap, or US$35.1m).Breakeven Date Change • Feb 23Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 66% per year to 2025. The company is expected to make a profit of AU$776.9k in 2026. Average annual earnings growth of 70% is required to achieve expected profit on schedule.New Risk • Jan 23New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$840k net loss in 3 years). Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (€28.0m market cap, or US$30.5m).New Risk • Aug 28New major risk - Revenue and earnings growthEarnings have declined by 22% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (17% average weekly change). Earnings have declined by 22% per year over the past 5 years. Minor Risks Currently unprofitable and not forecast to become profitable next year (AU$3.6m net loss next year). Market cap is less than US$100m (€26.3m market cap, or US$28.4m).공시 • Aug 26Harmoney Corp Limited, Annual General Meeting, Nov 15, 2023Harmoney Corp Limited, Annual General Meeting, Nov 15, 2023.공시 • Aug 14Harmoney Corp Limited to Report Fiscal Year 2023 Results on Aug 25, 2023Harmoney Corp Limited announced that they will report fiscal year 2023 results on Aug 25, 2023Breakeven Date Change • Mar 05Forecast breakeven date pushed back to 2025The 2 analysts covering Harmoney previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 72% per year to 2024. The company is expected to make a profit of AU$1.61m in 2025. Average annual earnings growth of 98% is required to achieve expected profit on schedule.Reported Earnings • Mar 01First half 2023 earnings releasedFirst half 2023 results: Revenue: AU$32.1m (up 25% from 1H 2022). Net loss: AU$3.38m (loss narrowed 30% from 1H 2022). Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 9.4% growth forecast for the Consumer Finance industry in Europe.Recent Insider Transactions • Sep 23CEO, MD & Director recently bought €139k worth of stockOn the 20th of September, David Stevens bought around 302k shares on-market at roughly €0.46 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was David's only on-market trade for the last 12 months.Reported Earnings • Sep 02Full year 2022 earnings released: NZ$0.20 loss per share (vs NZ$0.29 loss in FY 2021)Full year 2022 results: NZ$0.20 loss per share (up from NZ$0.29 loss in FY 2021). Revenue: NZ$31.0m (up 100% from FY 2021). Net loss: NZ$20.2m (loss narrowed 25% from FY 2021). Over the next year, revenue is forecast to grow 323%, compared to a 22% growth forecast for the Consumer Finance industry in Germany.Board Change • Aug 02Less than half of directors are independentFollowing Non-Executive Director John Quirk's arrival on 01 August 2022, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Independent Chairman of Board Paul Lahiff was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Sep 01Full year 2021 earnings releasedThe company reported a mediocre full year result with increased losses and weaker control over costs, although revenues improved. Full year 2021 results: Revenue: NZ$29.5m (up 76% from FY 2020). Net loss: NZ$27.0m (loss widened 120% from FY 2020).이익 및 매출 성장 예측DB:6DR - 애널리스트 향후 추정치 및 과거 재무 데이터 (AUD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수6/30/202817817155136/30/202716312133736/30/20261489434212/31/202549103237N/A9/30/20254683136N/A6/30/20254463035N/A3/31/202541-32833N/A12/31/202437-112631N/A9/30/202436-122328N/A6/30/202435-132024N/A3/31/202436-91924N/A12/31/202336-51924N/A9/30/202335-61924N/A6/30/202334-81824N/A3/31/202331-121319N/A12/31/202227-17814N/A9/30/202228-18310N/A6/30/202229-19-15N/A3/31/202226-19-32N/A12/31/202125-20-40N/A9/30/202120-23-5-1N/A6/30/202114-25-5-1N/A12/31/202019-9-3-1N/A9/30/202017-1012N/A6/30/202016-1255N/A3/31/2019297N/A3N/A3/31/201823-2N/A0N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 6DR 의 연간 예상 수익 증가율(26.6%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: 6DR 의 연간 수익(26.6%)이 German 시장(17.2%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: 6DR 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: 6DR 의 수익(연간 33.9%)이 German 시장(연간 6.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: 6DR 의 수익(연간 33.9%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 6DR의 자본 수익률은 3년 후 32.7%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/26 11:10종가2026/05/26 00:00수익2025/12/31연간 수익2025/06/30데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Harmoney Corp Limited는 4명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관James LindsayForsyth Barr Group Ltd.Tom TweedieMA Moelis Australia Securities Pty LtdIan MunroOrd Minnett Limited1명의 분석가 더 보기
Breakeven Date Change • May 02Forecast breakeven date moved forward to 2024The 3 analysts covering Harmoney previously expected the company to break even in 2026. New consensus forecast suggests the company will make a profit of AU$297.8k in 2024. Earnings growth of 107% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 25Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 40% per year to 2025. The company is expected to make a profit of AU$777.2k in 2026. Average annual earnings growth of 67% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 23Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 66% per year to 2025. The company is expected to make a profit of AU$776.9k in 2026. Average annual earnings growth of 70% is required to achieve expected profit on schedule.
Breakeven Date Change • Mar 05Forecast breakeven date pushed back to 2025The 2 analysts covering Harmoney previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 72% per year to 2024. The company is expected to make a profit of AU$1.61m in 2025. Average annual earnings growth of 98% is required to achieve expected profit on schedule.
Board Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 1 highly experienced director. Independent Non-Executive Director John Quirk was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
공시 • Feb 04Harmoney Corp Limited to Report First Half, 2026 Results on Feb 19, 2026Harmoney Corp Limited announced that they will report first half, 2026 results on Feb 19, 2026
공시 • Nov 04Harmoney Corp Limited, Annual General Meeting, Dec 17, 2025Harmoney Corp Limited, Annual General Meeting, Dec 17, 2025.
공시 • Jul 28Harmoney Corp Limited to Report Fiscal Year 2025 Results on Aug 20, 2025Harmoney Corp Limited announced that they will report fiscal year 2025 results After-Market on Aug 20, 2025
공시 • Jun 13Harmoney Corp Limited Announces Transition Out of Neil Roberts as Chief Strategy Officer, with Effect from 1 July 2025Harmoney Corp. Limited announced this partial selldown coincides with Neil Roberts's planned transition out of his executive role of Chief Strategy Officer of Harmoney, with effect from 1 July 2025. Neil has been a director of the Company since Harmoney's inception, and will continue as a non-executive director of the Company. The Board of Harmoney has determined that Neil may continue to participate in the Company's Long Term Incentive Plan after he ceases to be an executive of the Company, so that Neil can continue to hold the 1,185,000 unvested Rights that have been previously granted to him under that Plan. Those unvested Rights will remain subject to the relevant vesting conditions imposed by the Board and will be eligible to vest to the extent that those vesting conditions are satisfied.
공시 • Oct 04Harmoney Corp Limited, Annual General Meeting, Nov 14, 2024Harmoney Corp Limited, Annual General Meeting, Nov 14, 2024.
공시 • Aug 15Harmoney Corp Limited to Report Fiscal Year 2024 Results on Aug 23, 2024Harmoney Corp Limited announced that they will report fiscal year 2024 results on Aug 23, 2024
Breakeven Date Change • May 02Forecast breakeven date moved forward to 2024The 3 analysts covering Harmoney previously expected the company to break even in 2026. New consensus forecast suggests the company will make a profit of AU$297.8k in 2024. Earnings growth of 107% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 25Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 40% per year to 2025. The company is expected to make a profit of AU$777.2k in 2026. Average annual earnings growth of 67% is required to achieve expected profit on schedule.
New Risk • Feb 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings are forecast to decline by an average of 1.6% per year for the foreseeable future. Minor Risks Currently unprofitable and not forecast to become profitable over next 2 years (AU$974k net loss in 2 years). Market cap is less than US$100m (€32.5m market cap, or US$35.1m).
Breakeven Date Change • Feb 23Forecast to breakeven in 2026The 3 analysts covering Harmoney expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 66% per year to 2025. The company is expected to make a profit of AU$776.9k in 2026. Average annual earnings growth of 70% is required to achieve expected profit on schedule.
New Risk • Jan 23New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$840k net loss in 3 years). Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (€28.0m market cap, or US$30.5m).
New Risk • Aug 28New major risk - Revenue and earnings growthEarnings have declined by 22% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (17% average weekly change). Earnings have declined by 22% per year over the past 5 years. Minor Risks Currently unprofitable and not forecast to become profitable next year (AU$3.6m net loss next year). Market cap is less than US$100m (€26.3m market cap, or US$28.4m).
공시 • Aug 26Harmoney Corp Limited, Annual General Meeting, Nov 15, 2023Harmoney Corp Limited, Annual General Meeting, Nov 15, 2023.
공시 • Aug 14Harmoney Corp Limited to Report Fiscal Year 2023 Results on Aug 25, 2023Harmoney Corp Limited announced that they will report fiscal year 2023 results on Aug 25, 2023
Breakeven Date Change • Mar 05Forecast breakeven date pushed back to 2025The 2 analysts covering Harmoney previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 72% per year to 2024. The company is expected to make a profit of AU$1.61m in 2025. Average annual earnings growth of 98% is required to achieve expected profit on schedule.
Reported Earnings • Mar 01First half 2023 earnings releasedFirst half 2023 results: Revenue: AU$32.1m (up 25% from 1H 2022). Net loss: AU$3.38m (loss narrowed 30% from 1H 2022). Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 9.4% growth forecast for the Consumer Finance industry in Europe.
Recent Insider Transactions • Sep 23CEO, MD & Director recently bought €139k worth of stockOn the 20th of September, David Stevens bought around 302k shares on-market at roughly €0.46 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was David's only on-market trade for the last 12 months.
Reported Earnings • Sep 02Full year 2022 earnings released: NZ$0.20 loss per share (vs NZ$0.29 loss in FY 2021)Full year 2022 results: NZ$0.20 loss per share (up from NZ$0.29 loss in FY 2021). Revenue: NZ$31.0m (up 100% from FY 2021). Net loss: NZ$20.2m (loss narrowed 25% from FY 2021). Over the next year, revenue is forecast to grow 323%, compared to a 22% growth forecast for the Consumer Finance industry in Germany.
Board Change • Aug 02Less than half of directors are independentFollowing Non-Executive Director John Quirk's arrival on 01 August 2022, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Independent Chairman of Board Paul Lahiff was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Sep 01Full year 2021 earnings releasedThe company reported a mediocre full year result with increased losses and weaker control over costs, although revenues improved. Full year 2021 results: Revenue: NZ$29.5m (up 76% from FY 2020). Net loss: NZ$27.0m (loss widened 120% from FY 2020).