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Insignia Financial
Insignia Financial (IFL) investor relations material
Insignia Financial H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary18 Feb, 2026
Executive summary
UNPAT increased 6% to AUD 132 million for 1H 2026, driven by higher average FUMA, cost reductions, and completion of NAB separation.
Statutory NPAT swung to AUD 78.8 million from a loss of AUD 16.8 million in 1H25, reflecting improved operations and absence of new remediation provisions.
EBITDA rose 6.5% to AUD 238.2 million, with base OpEx down 6.4% to AUD 449.2 million due to ongoing cost-out initiatives.
Entered Scheme Implementation Deed with CC Capital at AUD 4.80 per share, a 57% premium to prior close, with shareholder vote expected in 1H26.
Significant progress made on 2030 strategy, including brand revitalization, AI investments, and operational efficiency.
Financial highlights
Net revenue rose 1.8% to AUD 718.2 million, supported by a 6% increase in average FUMA to AUD 339 billion.
Cost-to-income ratio improved to 63% from 68%, reflecting ongoing cost reduction efforts.
Free cash flow turned positive at AUD 52 million, compared to -AUD 239 million in 1H 2025.
Group net revenue margin fell from 43.8 to 42 basis points due to pricing and product mix.
Closing FUMA reached AUD 341.97 billion, up from AUD 326.77 billion a year ago.
Outlook and guidance
Master Trust margin guidance raised to 51.5-52.5 bps; Wrap margin guidance lowered to 27-28 bps.
FY26 guidance maintained: group net revenue margin 40.5–41.5 bps, opex AUD 880–890 million, reinvestment opex ~AUD 80 million.
Acceleration in reinvestment spend expected in 2H 2026; cost guidance unchanged.
FY 2026 priorities include Master Trust migration, sustaining MLC brand momentum, product innovation, and AI scaling.
No interim dividend declared due to the pending scheme; special dividend possible if scheme not effective by July 2026.
Reinvestment initiatives' expected returns
CEU ORFR replenishment and overlay status
Reverse Master Trust/Asset Mgmt net outflows
Key remaining hurdles for CC Capital scheme?
Master Trust platform migration timeline?
How does AI adoption support the 2030 vision?
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Next Insignia Financial earnings date
Q3 2026 TU23 Apr, 2026
Insignia Financial
Next Insignia Financial earnings date
Q3 2026 TU23 Apr, 2026
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Frequently asked questions
Insignia Financial Ltd, formerly known as IOOF Holdings Ltd, is an Australian company specializing in financial services. It provides a comprehensive range of services including financial advice, investment management, superannuation, and estate and trustee services. Insignia Financial has evolved into one of Australia's leading wealth managers, offering tailored wealth management products and services to a wide client base. This includes both individual and institutional clients, focusing on superannuation and investments. The company is headquartered in Docklands, Victoria, and its shares are listed on the ASX.
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