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Australian Finance Group
Australian Finance Group (AFG) investor relations material
Australian Finance Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary18 Feb, 2026
Executive summary
Delivered record first half FY26 performance, with underlying NPATA up 43% to $24m and reported NPAT up 46% to $22.4m, driven by disciplined strategy, broker network expansion, and technology investments.
Residential settlements increased 19% to $38b, AFG Securities' closing book grew 24% to $6.3b, and gross profit per broker climbed 15% to $42k.
Broker network expanded to 4,300 active brokers, now writing one in nine Australian residential mortgages, with increased productivity and engagement.
Technology investments, especially BrokerEngine+, are enhancing broker efficiency and recurring revenue.
Cost to income ratio improved by 8 percentage points to 56%.
Financial highlights
Gross profit up 16% to $78.8m; EBITDA up 43% to $35.6m; ROE improved to 21%.
Net cash from operating activities increased 50% to $20.3m; cash conversion at 85%.
Fully franked interim dividend of 4.7cps declared, with a payout ratio of 60% of adjusted NPAT.
Distribution segment gross profit up 5% to $58m; subscription income up 11% to $11m.
Manufacturing segment gross profit up 62% to $21m; NIM increased to 124bps, up 11bps.
Outlook and guidance
Strong January and February lodgements support expectations for accelerated second half earnings, with residential up 23% and AFG Securities up 99% year-over-year.
Higher margin mix, improved NIM, and growing subscription income expected to drive further momentum.
Confident in ability to deliver sustainable long-term value and earnings growth.
Broker Investments pipeline building as the market is established.
Exit NIM at 126bps, with improved near-term confidence and seasonally lower second half opex.
Explain NTA difference with/without trail book asset
Impact of new broker acquisitions on growth strategy?
What drove Manufacturing segment EBITDA growth?
Sustainable NIM for AFG Securities
Broker investment strategy acceleration
Drivers of subscription income growth
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Next Australian Finance Group earnings date
H2 202626 Aug, 2026
Australian Finance Group
Next Australian Finance Group earnings date
H2 202626 Aug, 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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