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Insignia Financial (IFL) investor relations material

Insignia Financial H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary21 Aug, 2025

Executive summary

  • FY25 delivered strong growth with UNPAT up 18% to $255M, NPAT of $16M, and costs falling 6% as transformation and separation initiatives were completed ahead of schedule, supporting the 2030 vision.

  • FUMA rose to $323B, supported by $1.6B in net flows, a $5B turnaround from FY24.

  • Entered into a scheme for acquisition by CC Capital, valuing equity at $3.3B, a 57% premium to the undisturbed share price, with implementation expected in 1H CY2026.

  • Early completion of transformation initiatives and the launch of Rhombus Advisory and MLC Retirement Boost set the foundation for future growth.

Financial highlights

  • Net revenue for FY25 was $1.405B, up 0.9% on FY24, driven by higher average FUMA and ongoing business revenue growth.

  • Total OpEx fell by 5.9% ($60M reduction), with EBITDA up 18.9% to $453M and underlying NPAT up 17.6% to $254.8M.

  • Statutory NPAT was $16.1M, a turnaround from a $185.3M loss in FY24.

  • Free cash flow improved by over $400M in the second half, ending FY25 at -$71M, with further improvement expected in FY26.

  • FUMA net flows of $1.6B, reversing a $3.4B outflow in FY24.

Outlook and guidance

  • FY26 guidance expects base OpEx of $880M–$890M and reinvestment OpEx of ~$80M, mainly for SS&C migration.

  • Group net revenue margin expected to decline to 40.5–41.5 bps, with Master Trust margins at 51–52 bps and a $30M negative revenue impact.

  • Advice segment expected to maintain revenue growth momentum; performance fees in asset management to moderate.

  • 2030 Vision targets double-digit earnings growth, cost excellence, and AI-enabled operations.

  • Free cash flow expected to improve as remediation and transformation costs decline.

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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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