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Judo Capital
Judo Capital (JDO) investor relations material
Judo Capital Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary25 Jun, 2026
Executive summary
FY26 profit before tax (PBT) is projected at $163m–$169m, about 30% growth year-over-year, with FY27 PBT expected at $210m–$220m, also reflecting 30% growth.
Lending momentum remains strong, with gross loans and advances (GLA) expected to reach $14.6bn–$14.7bn by 30 June 2026.
Asset quality impacted by increased specific provisions for three exposures, leading to a higher cost of risk.
Financial highlights
FY26 cost of risk (COR) now forecast at $116m–$122m due to increased specific provisions.
Net interest margin (NIM) for 2H26 expected to exceed 3.2%, above prior guidance.
Cost to income (CTI) ratio for 2H26 on track to be below 1H26’s 48.5%.
Outlook and guidance
FY27 PBT guidance is $210m–$220m, maintaining 30% growth despite macroeconomic uncertainty.
Through-the-cycle cost of risk expected at 50bps of average GLA.
CET1 ratio projected at ~12.4% at 30 June 2026, with a management target range of 11.0%–12.0% in normal conditions.
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Latest events from Judo Capital
- Profit before tax is set to grow 30% in FY26 and FY27 despite higher risk costs.JDO
Status update25 Jun 2026 - Loan book up 20% to $10.7bn; FY25 targets $13bn lending and 15% profit growth.JDOH2 202410 Jun 2026
- Net profit up 70%, PBT up 33%, strong loan growth, and FY25 guidance targets 15% PBT growth.JDOH1 202510 Jun 2026
- Profit up 24% with strong loan growth, margin gains, and positive FY26 outlook.JDOH2 202510 Jun 2026
- Profit before tax up 53% year-over-year, with upgraded guidance and strong loan growth.JDOH1 202610 Jun 2026
- Strong FY24 results, leadership transitions, and all resolutions passed with high shareholder support.JDOAGM 202418 Jan 2026
- Loan growth guidance revised down, but NIM and profit targets remain strong amid volatility.JDOQ3 2025 TU24 Dec 2025
- Targets 15% PBT growth, sector-leading returns, and scalable SME-focused expansion.JDOInvestor Day 202522 Nov 2025
- Strong growth, tech upgrades, and all resolutions passed; dividends remain a future goal.JDOAGM 202520 Oct 2025
Next Judo Capital earnings date
H2 202618 Aug, 2026
Judo Capital
Next Judo Capital earnings date
H2 202618 Aug, 2026
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