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HarmoneyASX:HMY +0.66%62 3-Year EBITDA Growth Rate is 22.40% as of Jun. 2026, which is 89% below its 10-year median of 196.35. GuruFocus rates ASX:HMY with a GF Score™ of 62/100 and a GF Value™ of A$0.67 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 324 Credit Services companies, Harmoney ranks better than 66.67% on this metric.
During the past 12 months, Harmoney's average EBITDA Per Share Growth Rate was -0.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 22.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 6 years, the highest 3-Year average EBITDA Per Share Growth Rate of Harmoney was 370.30% per year. The lowest was 22.40% per year. And the median was 196.35% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Harmoney 3-Year EBITDA Growth Rate Related Terms
ASX:HMY vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Harmoney's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Harmoney's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Harmoney's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 22.40% mean?
Harmoney (ASX:HMY) has a 3-Year EBITDA Growth Rate of 22.40% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Harmoney and its competitors. This is 89% below median its historical median of 196.35. Over the past decade, Harmoney's 3-Year EBITDA Growth Rate has ranged from 22.40 to 370.30. According to the industry distribution chart, Harmoney ranks #108 out of 324 companies in the Credit Services industry, placing it in the top 33.3%.
Is Harmoney's 3-Year EBITDA Growth Rate too high?
Harmoney's current 3-Year EBITDA Growth Rate of 22.40% is 89% below median its 10-year median of 196.35. Over the past 10 years, this metric has ranged from a low of 22.40 to a high of 370.30. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.80. Harmoney's value of 22.40% is 128.6% above this industry median. Based on the distribution chart, Harmoney ranks #108 out of 324 companies in the Credit Services industry, which is above the industry midpoint. Overall, Harmoney has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harmoney's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #108 out of 324 companies for 3-Year EBITDA Growth Rate. This puts Harmoney in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.80. Harmoney's value of 22.40% is 128.6% above this benchmark. Historically, Harmoney's own 3-Year EBITDA Growth Rate has ranged from 22.40 to 370.30 over the past decade. While the company's 10-year median is 196.35 vs. the industry median of 9.80, Harmoney has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.80, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harmoney's current 3-Year EBITDA Growth Rate of 22.40% is 128.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Harmoney and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current 3-Year EBITDA Growth Rate is 22.40%, which is 89% below median its own 10-year median of 196.35. 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$0.67, compared to a current price of A$0.77 — trading 14.2% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 22.40%, which is 89% below median its 10-year median of 196.35 and 128.6% above the Credit Services industry median of 9.80. Harmoney's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current 3-Year EBITDA Growth Rate is 22.40% as of Jun. 2026. 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$0.77 is trading 14.2% above its estimated GF Value™ of A$0.67.
GuruFocus considers Harmoney to be Modestly Overvalued.
Key valuation signals for ASX:HMY:
3-Year EBITDA Growth Rate: 22.40% (89% below median its 10-year median of 196.35)
GF Value™: A$0.67 vs. price of A$0.77 (14.2% above fair value)
Industry Position: 128.6% above the Credit Services median (#108 of 324)
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 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.
62GF Score
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