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Australian Finance Group (AFG) investor relations material
Australian Finance Group AGM 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 summary17 Oct, 2025
Opening remarks and agenda
Chair welcomed attendees, acknowledged the Whadjuk people of the Noongar nation as traditional custodians, and outlined the hybrid meeting format and agenda, including introductions, addresses, formal business, and closing.
Quorum was confirmed, and introductions of board members, executives, auditors, and share registry representatives were made.
Financial performance review
Net profit after tax increased by 21% to AUD 35 million; underlying net profit before amortization rose 13% to AUD 40.8 million.
Gross profit rose 14% to AUD 139.2 million, EBITDA up 19% to AUD 56.2 million, and underlying gross profit per broker increased by 13% to AUD 38,000.
Distribution EBITDA reached AUD 68 million (up 10%), and manufacturing earnings grew 53% to AUD 16 million.
Residential settlements rose 15% to AUD 63 billion, expanding the loan book beyond AUD 210 billion.
Annuity style earnings comprised 73% of total, with 90% cash realisation and AUD 182 million in investments and liquid assets.
Board and executive committee updates
Board succession planning is active, with several directors nearing term limits; Chair intends to renominate for another term.
Chair Greg Medcraft and CEO David Bailey delivered addresses outlining performance and strategy.
Apologies were noted for one director unable to attend due to illness.
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Next Australian Finance Group earnings date
H1 202627 Feb, 2026
Next Australian Finance Group earnings date
H1 202627 Feb, 2026
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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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