HarmoneyASX:HMY 38 OCF Margin % 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 531 Credit Services companies, Harmoney ranks better than 66.85% on this metric.
The historical rank and industry rank for Harmoney's OCF Margin % or its related term are showing as below:
ASX:HMY'
s OCF Margin % Range Over the Past 10 Years
Min: -4.15 Med: 19.95 Max: 26.58
Current: 27.75
During the past 5 years, the highest OCF Margin % of Harmoney was 26.58%. The lowest was -4.15%. And the median was 19.95%.
ASX:HMY's OCF Margin % is ranked better than 66.85% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs ASX:HMY: 27.75
Harmoney OCF Margin % Related Terms
Harmoney OCF Margin % Historical Data
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The historical data trend for Harmoney's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Harmoney's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Harmoney's OCF Margin % falls into.
* 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 OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harmoney and its competitors. According to the industry distribution chart, Harmoney ranks #176 out of 531 companies in the Credit Services industry, placing it in the top 33.1%.
Is Harmoney's OCF Margin % too high?
Harmoney's current OCF Margin % is 0.00%. Based on the distribution chart, Harmoney ranks #176 out of 531 companies in the Credit Services industry, which is above the industry midpoint. 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #176 out of 531 companies for OCF Margin %. This puts Harmoney in the upper half of its industry. The industry median OCF Margin % is 2.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harmoney and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current OCF Margin % 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 OCF Margin % 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current OCF Margin % 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:
OCF Margin %: 0.00%
GF Value™: A$0.58 vs. price of A$0.80 (37.1% above fair value)
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.
38GF Score
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