Harmoney (ASX:HMY) Beginning Cash Position: A$52.6 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:HMY Harmoney Corp Ltd ASX:HMY
32 GF Score
Price A$0.73
GF Value A$0.59
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Harmoney Beginning Cash Position?

Harmoney ASX:HMY +0.69% 32 Beginning Cash Position is A$52.6 Mil as of Dec. 2025. GuruFocus rates ASX:HMY with a GF Score™ of 32/100 and a GF Value™ of A$0.59 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Harmoney's Beginning Cash Position for the quarter that ended in Dec. 2025 was A$52.6 Mil.

Harmoney's quarterly Beginning Cash Position increased from Dec. 2024 (A$37.7 Mil) to Jun. 2025 (A$47.2 Mil) and increased from Jun. 2025 (A$47.2 Mil) to Dec. 2025 (A$52.6 Mil).

Harmoney's annual Beginning Cash Position declined from Jun. 2023 (A$56.8 Mil) to Jun. 2024 (A$43.5 Mil) and declined from Jun. 2024 (A$43.5 Mil) to Jun. 2025 (A$37.7 Mil).

Harmoney Beginning Cash Position Related Terms

Harmoney Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for Harmoney's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Harmoney Beginning Cash Position Chart

Harmoney Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
Beginning Cash Position
32.37 68.96 56.81 43.45 37.74

Harmoney Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 43.45 40.98 37.74 47.23 52.62
ASX:HMY
32GF Score
Harmoney Corp Ltd ASX:HMY
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harmoney Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of A$52.6 Mil mean?
Harmoney (ASX:HMY) has a Beginning Cash Position of A$52.6 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Harmoney and its competitors.
Is Harmoney's Beginning Cash Position too high?
Harmoney's current Beginning Cash Position is A$52.6 Mil. Overall, Harmoney has a GF Score™ of 32/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harmoney's Beginning Cash Position compare to V and MA?
Harmoney's Beginning Cash Position of A$52.6 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Credit Services company?
A good Beginning Cash Position depends on the Credit Services industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Harmoney and its competitors. Harmoney's current Beginning Cash Position is A$52.6 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harmoney stock overvalued right now?
Based on GuruFocus' analysis, Harmoney (ASX:HMY) is currently considered Modestly Overvalued. The stock's GF Value™ is A$0.59, compared to a current price of A$0.73 — trading 22.9% above its estimated fair value. The current Beginning Cash Position is A$52.6 Mil. Harmoney's overall GF Score™ is 32/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current Beginning Cash Position is A$52.6 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Harmoney (ASX:HMY) Overvalued in 2026?

Based on GuruFocus' analysis, Harmoney stock appears to be overvalued. The current stock price of A$0.73 is trading 22.9% above its estimated GF Value™ of A$0.59. GuruFocus considers Harmoney to be Modestly Overvalued.

Key valuation signals for ASX:HMY:

  • Beginning Cash Position: A$52.6 Mil
  • GF Value™: A$0.59 vs. price of A$0.73 (22.9% above fair value)
  • GF Score™: 32/100 with 5 warning signs

No single metric tells the full story. See the ASX:HMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Harmoney Business Description

Address 110 Customs Street West, Level 3, Auckland, NTL, NZL, 1010
Harmoney Corp Ltd operates in the consumer credit industry. It provides customers with secured and unsecured personal loans that are easy to access, competitively priced using risk-adjusted interest rates, and accessed completely online. Geographically, the group generates maximum revenue from its business in Australia, and the rest from New Zealand.
32GF Score

Get the complete analysis for ASX:HMY

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.73
Price
A$0.59
GF Value