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Challenger (CGF) investor relations material
Challenger H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary19 Aug, 2025
Executive summary
Celebrated 40th anniversary, highlighting expertise in retirement and financial security for Australians.
Achieved strong FY25 growth with normalized NPAT of $456M, up 9%, and statutory NPAT of $192M, up 48%.
Delivered a full-year dividend of 29.5 cps, up 11% year-over-year.
Focused on business simplification, customer relationships, and expanding partnerships.
Launched innovative income platform and listed income notes, with strong demand.
Financial highlights
Normalized EPS increased 9% to 66.3 cps; dividend rose 11% to 29.5 cps.
Normalized ROE reached 11.8%, up 110bps; cost to income ratio improved to 32%.
Life normalised NPAT grew 6% to $461M; Life normalised ROE post-tax reached 13.5%.
Funds Management normalised NPAT up 41% to $53M, with performance fees up 57%.
Life COE margin increased to 3.19%; annuity sales reached $5.2B, with record Retail Lifetime and Japanese sales.
Outlook and guidance
FY26 normalized EPS guidance: 66–72 cps, midpoint 4% above FY25.
FY26 group normalized NPAT expected between $455M and $495M.
Targets include normalized ROE of RBA cash rate plus 12% after tax, cost to income ratio of 32%-34%, and dividend payout ratio of 30%-50%.
Guidance assumes no change in cash rate; capital reforms expected to reduce capital intensity and unlock product innovation.
Confident in sustaining normalized ROE above target through the cycle.
How will APRA's capital changes impact product innovation?
Explain the revenue split for the new LiFTS notes.
Discuss the timeline for APRA's capital standard reform.
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Next Challenger earnings date
AGM 202529 Oct, 2025
Next Challenger earnings date
AGM 202529 Oct, 2025
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Frequently asked questions
Challenger Limited is an investment management firm that focuses on providing retirement income solutions and asset management services. The company operates through two primary divisions: Life and Funds Management. The Life division offers annuities and other retirement-focused products designed to provide reliable income streams for retirees. The Funds Management division manages a range of investment funds across asset classes, catering to both institutional and retail investors. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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