Harmoney (ASX:HMY) Defensive Interval Ratio

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
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What is Harmoney Defensive Interval Ratio?

ASX:HMY
32GF Score
Harmoney Corp Ltd ASX:HMY
Defensive Interval Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Defensive Interval Ratio:
  • 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

Defensive Interval Ratio 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