Harmoney (ASX:HMY) ROE % Adjusted to Book Value: 14.20% (As of Dec. 2025)


ASX:HMY Harmoney Corp Ltd ASX:HMY
38 GF Score
Price A$0.80
GF Value A$0.58
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Harmoney ROE % Adjusted to Book Value?

Harmoney ASX:HMY +0.63% 38 ROE % Adjusted to Book Value is 14.20% 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.

Harmoney's ROE % for the quarter that ended in Dec. 2025 was 31.38%. Harmoney's PB Ratio for the quarter that ended in Dec. 2025 was 2.21. Harmoney's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 14.20%.

Harmoney ROE % Adjusted to Book Value Related Terms

Harmoney ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Harmoney's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Harmoney Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
-16.54 -23.07 -22.43 -28.96 9.60

Harmoney Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -2.19 -60.86 10.35 12.75 14.20

ASX:HMY vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Harmoney's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Harmoney's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Harmoney's ROE % Adjusted to Book Value falls into.


ASX:HMY
38GF Score
Harmoney Corp Ltd ASX:HMY
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harmoney ROE % Adjusted to Book Value Calculation

Harmoney's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.56% / 1.62
=9.60%

Harmoney's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=31.38% / 2.21
=14.20%

* 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.

What does a ROE % Adjusted to Book Value of 14.20% mean?
Harmoney (ASX:HMY) has a ROE % Adjusted to Book Value of 14.20% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Harmoney and its competitors.
Is Harmoney's ROE % Adjusted to Book Value too high?
Harmoney's current ROE % Adjusted to Book Value is 14.20%. 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 ROE % Adjusted to Book Value compare to V and MA?
Harmoney's ROE % Adjusted to Book Value of 14.20% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Harmoney and its competitors. Harmoney's current ROE % Adjusted to Book Value is 14.20%. 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 ROE % Adjusted to Book Value is 14.20%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current ROE % Adjusted to Book Value is 14.20% 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:

  • ROE % Adjusted to Book Value: 14.20%
  • GF Value™: A$0.58 vs. price of A$0.80 (37.1% 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

Get the complete analysis for ASX:HMY

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.80
Price
A$0.58
GF Value