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Australian Finance Group (AFG) investor relations material

Australian Finance Group H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary27 Aug, 2025

Executive summary

  • Achieved robust FY25 results with 21% NPAT growth, resilient performance amid economic challenges, and a total shareholder return of 203% since 2015.

  • Broker network expanded to over 4,200, supporting one in 10 residential mortgages nationally, with market share rising to 77%.

  • Strategic investments in technology and broker services enhanced operational efficiency and broker engagement.

  • Diversified income base, with nearly 75% annuity-style income and significant contributions from commercial lending, asset finance, and broker services.

  • Record broker network growth and increased scale in diversified business lines.

Financial highlights

  • Statutory NPAT up 21% to $35M; underlying NPATA at £40.8M; EBITDA up 19% to $56.2M.

  • Gross profit increased 12% to $142.9M; distribution EBITDA up 10% to $68M; manufacturing EBITDA up 53% to $16M.

  • Residential mortgage book grew 5% to $211B; AFG Securities loan book up 23% to $5.5B.

  • Subscription income rose 13% to $21M; underlying gross profit per broker up 13% to $38K.

  • Cash conversion at 90%; unrestricted cash at $64M; fully franked final dividend of 5.3cps declared.

Outlook and guidance

  • Multiple cash rate reductions forecast, supporting strong residential and commercial outlook.

  • Expect continued broker market share growth toward 80% and strong activity in key markets.

  • Medium-term goals: 8% CAGR in residential settlements, 35 broker investments, AFG Securities book target of $9B by FY29.

  • Dividend payout ratio for FY26+ set at 50–70% of adjusted NPAT, balancing reinvestment and returns.

  • Focus remains on sustainable EPS and ROE growth.

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Frequently asked questions

Australian Finance Group Limited (AFG) is an Australia-based company specializing in the mortgage origination and lending business. AFG operates through two primary segments: Aggregation and AFG Home Loans (AFGHL). The Aggregation segment offers wholesale mortgage broking services, providing contracted brokers with administrative support, infrastructure, and access to a panel of lenders. The company earns revenue through upfront commissions on settled loans and trail commissions on the loan book under this segment. The AFGHL segment delivers AFG-branded mortgage products funded by third-party wholesale funding providers, also known as white-label products, and AFG Securities mortgages distributed through its broker network.The company is headquartered in Perth, Australia, with its shares listed on the Australian Securities Exchange.

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