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Helia Group (HLI) investor relations material
Helia Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary22 Aug, 2025
Executive summary
Statutory NPAT rose to $134M for 1H25, up 38% year-over-year, driven by low claims and strong investment returns, despite a 6% decline in insurance revenue.
Gross written premium (GWP) increased 28% year-over-year, supported by higher market share and increased high LVR lending.
Major contracts with CBA and ING, representing up to 61% of GWP, will not be renewed from 2026, prompting a comprehensive business review.
Fully franked interim dividend of $0.16/share and unfranked special dividend of $0.27/share declared, reflecting strong capital position.
Capital management included redemption of $190M Tier 2 notes post-period and ongoing share buy-back program.
Financial highlights
Insurance revenue for 1H25 was $182M, down 6% year-over-year, while net investment revenue rose to $104.4M, annualized return of 7.3%.
Claims incurred were negative $27M, reflecting favorable claims experience and reserve releases.
Insurance service result increased to $151M, up 7% year-over-year.
Expenses reduced by 6% year-over-year, with further cost reductions expected.
Basic earnings per share rose to 49.1 cents from 32.8 cents year-over-year.
Outlook and guidance
FY25 insurance revenue expected between $350M and $390M, with claims anticipated to remain negative and below historical averages.
Revenue from in-force policies with CBA and ING will be recognized over the next 15 years, but new business from these clients will cease in 2026.
Ongoing business review and strategic options being considered in response to customer losses and government scheme changes.
Helia's strategy post-CBA and ING contract losses
Explain the shift in capital return strategy
Implications of subordinated notes redemption
HGS expansion impact on first homebuyer GWP?
Update on comprehensive business review timeline?
PML seasoning impact on capital returns?
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Next Helia Group earnings date
Q3 20255 Nov, 2025
Next Helia Group earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
Helia Group Ltd, previously known as Genworth Mortgage Insurance Australia Limited, is an Australian company specializing in lenders mortgage insurance (LMI). LMI is a financial product that facilitates residential mortgage lending by transferring the risk from lenders to the insurance providers, especially for mortgages with high loan-to-value ratios. This insurance is critical in the Australian housing market, enabling lenders to offer loans to borrowers who might otherwise be deemed too risky due to their smaller deposits. The company operates within the financial services sector, specifically focusing on mortgage insurance products for residential properties. Helia Group Ltd is headquartered in North Sydney, New South Wales, and its shares are listed on the Australian Securities Exchange.
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