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FSA Group (FSA) investor relations material
FSA Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary13 Aug, 2025
Executive summary
Completed transition to a lending-focused business, offering home, car, unsecured personal, and asset finance loans.
New loan origination reached $396m, up 3% year-over-year; loan pools grew to $912m, up 14%.
Operating income rose 23% to $64.3m; profit before tax increased 29% to $16.2m; profit after tax attributable to members up 43% to $10.5m.
Lending business generated $17.0m profit before tax; services business posted a $0.8m loss.
Fully franked full-year dividend of 7.00 cents per share declared.
Financial highlights
Operating income: $64.3m (up 23% year-over-year).
Profit before tax: $16.2m (up 29% year-over-year).
Profit after tax attributable to members: $10.5m (up 43% year-over-year).
Basic EPS: 8.66c (up 43% year-over-year).
Net cash inflow from operating activities: $21.7m (up 46% year-over-year).
Shareholder equity attributable to members: $87.3m.
Outlook and guidance
Targeting new loan origination over $600m per annum, with loan pools expected to reach $1.3b.
Profit growth of up to 30% forecast for FY2026, with full-year dividend expected at 7–8 cents per share.
Growth depends on broker channel uptake and funding availability; impairment and loan pool growth are key risks.
Anticipates more favorable macroeconomic conditions and improved net margin in FY2026.
Assess automation's impact on employee expense.
What drove the increase in impairment expense?
What are the key assumptions for goodwill testing?
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Frequently asked questions
FSA Group Limited provides financial services primarily focused on assisting individuals and businesses in managing debt and improving financial stability. The company offers services such as debt solutions, including debt agreements, informal arrangements, and personal insolvency agreements. The company also offers credit repair and budgeting assistance. FSA Group serves customers across Australia with a focus on personalized financial solutions. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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