Harmoney (ASX:HMY) Days Payable: 0.00 (As of Dec. 2025)


ASX:HMY Harmoney Corp Ltd ASX:HMY
38 GF Score
Price A$0.80
GF Value A$0.58
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Harmoney Days Payable?

Harmoney ASX:HMY +0.63% 38 Days Payable is 0.00 as of Dec. 2025. GuruFocus rates ASX:HMY with a GF Score™ of 38/100 and a GF Value™ of A$0.58 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 301 Credit Services companies, Harmoney ranks worse than 332225.58% on this metric.

Harmoney's average Accounts Payable for the six months ended in Dec. 2025 was A$4.5 Mil. Harmoney's Cost of Goods Sold for the six months ended in Dec. 2025 was A$0.0 Mil.

The historical rank and industry rank for Harmoney's Days Payable or its related term are showing as below:

ASX:HMY's Days Payable is not ranked *
in the Credit Services industry.
Industry Median: 33.87
* Ranked among companies with meaningful Days Payable only.

Harmoney's Days Payable stayed the same from Dec. 2024 (0.00) to Dec. 2025 (0.00).

Harmoney Days Payable Historical Data

* Premium members only.

The historical data trend for Harmoney's Days Payable 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 Days Payable Chart

Harmoney Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
Days Payable
0.00 0.00 0.00 0.00 0.00

Harmoney Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Days Payable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

ASX:HMY vs V, MA, AXP: Days Payable Comparison

For the Credit Services subindustry, Harmoney's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Harmoney Days Payable vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Harmoney's Days Payable distribution charts can be found below:

* The bar in red indicates where Harmoney's Days Payable falls into.


ASX:HMY
38GF Score
Harmoney Corp Ltd ASX:HMY
Days Payable is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harmoney Days Payable Calculation

Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.

Harmoney's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as

Days Payable (A: Jun. 2025 )
=Average Accounts Payable /Cost of Goods Sold*Days in Period
=( (Accounts Payable (A: Jun. 2024 ) + Accounts Payable (A: Jun. 2025 )) / count ) / Cost of Goods Sold (A: Jun. 2025 )*Days in Period
=( (1.165 + 2.619) / 2 ) / 0*365
=1.892 / 0*365
=N/A

Harmoney's Days Payable for the quarter that ended in Dec. 2025 is calculated as:

Days Payable (Q: Dec. 2025 )
=Average Accounts Payable / Cost of Goods Sold*Days in Period
=( (Accounts Payable (Q: Jun. 2025 ) + Accounts Payable (Q: Dec. 2025 )) / count ) / Cost of Goods Sold (Q: Dec. 2025 )*Days in Period
=( (2.619 + 6.4) / 2 ) / 0*365 / 2
=4.5095 / 0*365 / 2
=N/A

* 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.

Frequently Asked Questions Learn more about Days Payable →
What does a Days Payable of 0.00 mean?
Harmoney (ASX:HMY) has a Days Payable of 0.00 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Harmoney and its competitors. According to the industry distribution chart, Harmoney ranks #999999 out of 301 companies in the Credit Services industry.
Is Harmoney's Days Payable too high?
Harmoney's current Days Payable is 0.00. Based on the distribution chart, Harmoney ranks #999999 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Harmoney has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harmoney's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #999999 out of 301 companies for Days Payable. This places Harmoney in the lower half of its industry. The industry median Days Payable is 33.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 301 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Harmoney and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current Days Payable is 0.00. 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 Significantly Overvalued. The stock's GF Value™ is A$0.58, compared to a current price of A$0.80 — trading 37.1% above its estimated fair value. The current Days Payable is 0.00. Harmoney's overall GF Score™ is 38/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current Days Payable is 0.00 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$0.80 is trading 37.1% above its estimated GF Value™ of A$0.58. GuruFocus considers Harmoney to be Significantly Overvalued.

Key valuation signals for ASX:HMY:

  • Days Payable: 0.00
  • GF Value™: A$0.58 vs. price of A$0.80 (37.1% above fair value)
  • GF Score™: 38/100 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.
38GF Score

Get the complete analysis for ASX:HMY

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

A$0.80
Price
A$0.58
GF Value