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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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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.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.
What's the target for multi-product brokers?
AFG Securities: Margin vs. volume growth focus?
AFG's target share of the broker market?
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Next Australian Finance Group earnings date
AGM 202517 Oct, 2025
Next Australian Finance Group earnings date
AGM 202517 Oct, 2025
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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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