Harmoney (ASX:HMY) Short-Term Debt: A$856.2 Mil (As of Dec. 2025)

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.
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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 Short-Term Debt?

Harmoney ASX:HMY +0.69% 32 Short-Term Debt is A$856.2 Mil as of Dec. 2025. GuruFocus rates ASX:HMY with a GF Score™ of 32/100 and a GF Value™ of A$0.59 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Harmoney's Short-Term Debt for the quarter that ended in Dec. 2025 was A$856.2 Mil.

Harmoney's quarterly Short-Term Debt increased from Dec. 2024 (A$778.0 Mil) to Jun. 2025 (A$824.3 Mil) and increased from Jun. 2025 (A$824.3 Mil) to Dec. 2025 (A$856.2 Mil).

Harmoney's annual Short-Term Debt increased from Jun. 2023 (A$720.5 Mil) to Jun. 2024 (A$739.5 Mil) and increased from Jun. 2024 (A$739.5 Mil) to Jun. 2025 (A$824.3 Mil).

Harmoney Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Harmoney Short-Term Debt Related Terms

Harmoney Short-Term Debt Historical Data

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The historical data trend for Harmoney's Short-Term Debt 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 Short-Term Debt Chart

Harmoney Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25
Short-Term Debt
271.33 547.42 720.50 739.55 824.27

Harmoney Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 740.56 739.55 777.98 824.27 856.20
ASX:HMY
32GF Score
Harmoney Corp Ltd ASX:HMY
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of A$856.2 Mil mean?
Harmoney (ASX:HMY) has a Short-Term Debt of A$856.2 Mil as of Dec. 2025.
Is Harmoney's Short-Term Debt too high?
Harmoney's current Short-Term Debt is A$856.2 Mil. 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 Short-Term Debt compare to V and MA?
Harmoney's Short-Term Debt of A$856.2 Mil 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 Short-Term Debt for a Credit Services company?
A good Short-Term Debt depends on the Credit Services industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Harmoney's current Short-Term Debt is A$856.2 Mil. 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$0.59, compared to a current price of A$0.73 — trading 22.9% above its estimated fair value. The current Short-Term Debt is A$856.2 Mil. 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current Short-Term Debt is A$856.2 Mil 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$0.73 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:

  • Short-Term Debt: A$856.2 Mil
  • 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

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Short-Term Debt 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