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Investor Relations14 Oct 2025
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First National Financial (FN) investor relations material
First National Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Mortgages under administration reached a record $159.9 billion, up 8% year-over-year, driven by growth in both single-family and commercial portfolios.
Revenue rose 15% to $621.3 million compared to the same quarter last year, with strong origination volumes in both business segments.
Net income increased to $63.4 million ($1.04 per share) from $54.1 million ($0.88 per share) a year ago.
Record origination volumes were achieved, especially in single-family residential and commercial segments.
Financial highlights
Pre-FMV Income (adjusted for fair value changes) was $77.9 million, up 1% year-over-year.
Income before income taxes rose 17% to $86.2 million, reflecting favorable capital market conditions.
Placement fees surged 80% to $81.4 million, while mortgage servicing income declined 1% to $69.4 million.
Net interest revenue from securitized mortgages increased 4% to $56.0 million.
Common share dividends paid or declared totaled $37.5 million, with a payout ratio of 60%.
Outlook and guidance
Anticipates increased year-over-year single-family originations in the next two quarters due to a larger pipeline and lower mortgage rates.
Expects third quarter origination volumes to exceed those from the same quarter last year.
Commercial segment projected to maintain steady origination volumes, supported by robust funding programs.
Management notes potential negative impact from U.S. tariffs, which could affect the Canadian economy and housing market.
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Next First National Financial earnings date
Q3 202529 Oct, 2025
Next First National Financial earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
First National Financial Corporation is a Canadian company that provides residential and commercial mortgage services. Its offerings include mortgage origination, underwriting, and servicing for both single-family homes and income-producing properties. The company operates as a lender and mortgage servicer across Canada. It is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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