Investor

The Harmoney investor Centre.
Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2023 Outstanding Value Personal Loan OL
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Our purpose is to help and inspire people to start now on their dreams or start fresh - through financial products that are simple, smart and secure.

Since our beginnings in 2014, Harmoney has sought to transform the way people borrow. Having facilitated over $3.6 billion in loans to over 80,000 customers on both sides of the Tasman, Harmoney is giving people more choice and options. Along the way we’ve created over 100 jobs, and created a purpose‑driven culture focusing on helping people do better through technology, big data, and responsible lending.

About us

Board of directors

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Paul Lahiff - Independent Chairman

Paul is a highly seasoned executive following 40 years experience in financial services, encompassing a broad portfolio of Directorships. Paul currently sits on the Board of ASX-listed AUB Holdings, as well as payments company Sezzle Inc. He is also a Director of Australian neo-bank, 86 400 Holdings, and NESS Super.
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David Stevens - Chief Executive Officer

David is a highly experienced public company CEO specialising in consumer and commercial finance in Australia and New Zealand. Before commencing with Harmoney as CEO in 2019, David had most recently led a start-up consumer finance company, to ultimately securing a major equity stake in the business by a large Australian Bank in 2018.

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Monique Cairns - Independent Director

Monique joins Harmoney with over 20 years of experience in strategy, communications, marketing and sales, across financial institutions and a range of sectors. She has a diverse governance experience with extensive shareholder engagement. She is currently the Deputy Chair of New Zealand Home Loans (“NZHL”), and the Chair of NZHL’s People and Culture Committee.
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John Quirk - Independent Director

John has over 40 years of experience in the technology space across several overseas or multinational information technology companies. He has held key leadership roles, including the position of Chief Executive Officer (Asia Pacific) of MI Services Group, an international management consulting organisation for information systems company.
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Neil Roberts - Chief Strategy Officer

Neil founded Harmoney, led the business as chief executive officer over six years driving the capital path, and building culture systems and processes that are intrinsic to Harmoney’s success. Prior to that Neil was Head of Sales and Business Development at FlexiGroup, leading a team of 80 with annual sales of $200 million driving a $30 million profit.

FY23 Results

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Harmoney's Results

2024 Results

Annual Report
23 August 2024
Annual Report Results (presentation)
Annual Report (recording)

Half Year Results
23 February 2024Half Year ReportHalf Year Results (presentation)Half Year Results (recording)Half Year Results (announcement)
2023 Results

Annual Meeting of Shareholders
15 November 2023
Results of Annual Meeting
Annual Meeting (presentation)
Notice of Annual Meeting

Annual Report
25 August 2023
Annual Report
Results (presentation)
Annual Report (recording)

Half Year Results
28 February 2023Half Year ReportHalf Year Results (presentation)Half Year Results (recording)Half Year Results (announcement)
2022 Results

Annual Meeting of Shareholders
16 November 2022
Results of Annual Meeting
Annual Meeting (presentation)
Notice of Annual Meeting

Annual Report
31 August 2022
Annual Report
Notice of Annual Report
Results (presentation)

Half Year Results
28 February 2022
Half Year Report
Half Year Results (presentation)
Half Year Results (recording)
2021 Results

Annual Meeting of Shareholders
29 November 2021
Results of Annual Meeting
Annual Meeting (presentation)
Notice of Annual Meeting

Annual Report
31 August 2021
Annual Report
Notice of Annual Report
Results (presentation)

Half Year Results
24 February 2021
Half Year Report
Half Year Results (presentation)
2020 Results

Annual Report
23 November 2020
Annual Report

Investor Day 2021

Watch our inaugural Investor Day presentation

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Market updates & press releases

28 June 2022
HMY secures additional NZ$215M Facility to support growth

27 April 2022
Q3FY22 Trading Update

26 April 2022
Watch David Stevens, CEO & Managing Director, Harmoney presenting at ConsumerOpps 2022

28 February 2022
Harmoney increases FY22 Guidance Off The Back Of Strong Interim Results

8 February 2022
Harmoney Now Funded by 3 of the 4 Big Banks

19 January 2022Harmoney achieves cash NPAT profitability in 1HFY22

29 December 2021
Harmoney Signs AU$20m Corporate Debt Facility

30 November 2021Investor Day Presentation 2021 Recording

24 November 2021
Investor Day Presentation 2021

27 August 2021Settlement with New Zealand Commerce Commission

14 October 2021Harmoney Delivers Record September Quarter ~$60M in New Originations up 389% on PCP

25 October 2021Harmoney Prices $105M Inaugural ABS Transaction

Corporate governance

15 June 2023
Nomination & Remuneration Committee Charter

23 November 2020
Harmoney Prospectus

30 October 2020
Board Charter

30 October 2020
Diversity Policy

30 October 2020
Code of Conduct

Independent research reports & news

Consumer direct partner case studies

Google: From leads to personal loans

How smart bidding helped Australasia's Harmoney find and convert its best customers

Read case study
Google: Customer lifetime value

How Harmoney found a smarter way to surface lifetime value using machine learning

Read case study
Google: Reaching investor maturity

Digital Marketing Maturity Australia & New Zealand: Results teaser presentation from Harmoney

Read case study
Microsoft: Harmoney's data integrations

Learn how Harmoney used LinkedIn to increase loan originations

Read case study
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Get in touch

If you have investor questions or enquires email us at investors@harmoney.co.nz