Harmoney (ASX:HMY) Payments of Debt: A$-78.8 Mil (TTM As of Dec. 2025)


ASX:HMY Harmoney Corp Ltd ASX:HMY
38 GF Score
Price A$0.76
GF Value A$0.59
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Harmoney Payments of Debt?

Harmoney ASX:HMY 38 Payments of Debt is A$-78.8 Mil as of Dec. 2025. GuruFocus rates ASX:HMY with a GF Score™ of 38/100 and a GF Value™ of A$0.59 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Harmoney's Payments of Debt for the six months ended in Dec. 2025 was A$-40.2 Mil.

Harmoney's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was A$-78.8 Mil.

Harmoney Payments of Debt Related Terms

Harmoney Payments of Debt Historical Data

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The historical data trend for Harmoney's Payments of Debt 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 Payments of Debt Chart

Harmoney Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
Payments of Debt
-9.95 14.94 0.00 0.00 -82.13

Harmoney Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Payments of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 -43.46 -38.67 -40.16
ASX:HMY
38GF Score
Harmoney Corp Ltd ASX:HMY
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Harmoney Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was A$-78.8 Mil.

* 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 Payments of Debt →
What does a Payments of Debt of A$-78.8 Mil mean?
Harmoney (ASX:HMY) has a Payments of Debt of A$-78.8 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Harmoney and its competitors.
Is Harmoney's Payments of Debt too high?
Harmoney's current Payments of Debt is A$-78.8 Mil. Overall, Harmoney has a GF Score™ of 38/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harmoney's Payments of Debt compare to V and MA?
Harmoney's Payments of Debt of A$-78.8 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 Payments of Debt for a Credit Services company?
A good Payments of Debt depends on the Credit Services industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Harmoney and its competitors. Harmoney's current Payments of Debt is A$-78.8 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$0.76 — trading 28.8% above its estimated fair value. The current Payments of Debt is A$-78.8 Mil. 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 Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current Payments of Debt is A$-78.8 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$0.76 is trading 28.8% above its estimated GF Value™ of A$0.59. GuruFocus considers Harmoney to be Modestly Overvalued.

Key valuation signals for ASX:HMY:

  • Payments of Debt: A$-78.8 Mil
  • GF Value™: A$0.59 vs. price of A$0.76 (28.8% 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

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

A$0.76
Price
A$0.59
GF Value