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HarmoneyASX:HMY -5.16%32 EV-to-EBIT is 14.44 as of Jul. 31, 2026, which is 5% above its 10-year median of 13.80. GuruFocus rates ASX:HMY with a GF Score™ of 32/100 and a GF Value™ of A$0.58 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 313 Credit Services companies, Harmoney ranks better than 62.94% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Harmoney's Enterprise Value for the quarter that ended in Dec. 2025 was A$900.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$61.3 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.
Harmoney EV-to-EBIT Related Terms
Harmoney EV-to-EBIT Historical Data
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The historical data trend for Harmoney's EV-to-EBIT 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.
For the Credit Services subindustry, Harmoney's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Harmoney's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Harmoney's EV-to-EBIT falls into.
Harmoney's current Enterprise Value is A$885.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$61.3 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.
Harmoney (ASX:HMY) has a EV-to-EBIT of 14.44 as of Jul. 31, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Harmoney and its competitors. This is near median its historical median of 13.80. According to the industry distribution chart, Harmoney ranks #116 out of 313 companies in the Credit Services industry, placing it in the top 37.1%.
Is Harmoney's EV-to-EBIT too high?
Harmoney's current EV-to-EBIT of 14.44 is near median its 10-year median of 13.80. The Credit Services industry median EV-to-EBIT is 22.99. Harmoney's value of 14.44 is 37.2% below this industry median. Based on the distribution chart, Harmoney ranks #116 out of 313 companies in the Credit Services industry, which is above the industry midpoint. 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #116 out of 313 companies for EV-to-EBIT. This puts Harmoney in the upper half of its industry. The industry median EV-to-EBIT is 22.99. Harmoney's value of 14.44 is 37.2% below this benchmark. While the company's 10-year median is 13.80 vs. the industry median of 22.99, Harmoney has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.99, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harmoney's current EV-to-EBIT of 14.44 is 37.2% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Harmoney and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current EV-to-EBIT is 14.44, which is near median its own 10-year median of 13.80. 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$0.58, compared to a current price of A$0.74 — trading 26.7% above its estimated fair value. The current EV-to-EBIT is 14.44, which is near median its 10-year median of 13.80 and 37.2% below the Credit Services industry median of 22.99. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current EV-to-EBIT is 14.44 as of Jul. 31, 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$0.74 is trading 26.7% above its estimated GF Value™ of A$0.58.
GuruFocus considers Harmoney to be Modestly Overvalued.
Key valuation signals for ASX:HMY:
EV-to-EBIT: 14.44 (near median its 10-year median of 13.80)
GF Value™: A$0.58 vs. price of A$0.74 (26.7% above fair value)
Industry Position: 37.2% below the Credit Services median (#116 of 313)
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.
32GF Score
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