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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Latitude Financial Services Group (LFS) investor relations material
Latitude Financial Services 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
Achieved strong financial momentum in 1H25, with growth in new customer accounts, card transactions, and record loan originations, supported by disciplined execution and operational efficiency.
Statutory profit after tax from continuing operations rose to $39.7m in 1H25, up 341% YoY, with cash NPAT up 69% YoY to $46.2m, driven by lending demand and margin expansion.
Receivables reached $7.0bn, up 9% YoY, and card market share expanded by 82bps YoY.
Operational efficiency enabled increased investment in growth initiatives, digital capabilities, and ESG progress, including over $1m donated to charity partners.
Interim dividend of 4.00 cents per share declared, unfranked, with a Dividend Reinvestment Plan available.
Financial highlights
Interest income rose 16% YoY to $588m; net interest income up 23% YoY to $396m, with NIM up 142bps to 11.7%.
Operating income increased 19% YoY to $408m; cash profit before tax up 40% YoY to $93.5m; cash NPAT up 69% YoY to $46m.
Gross receivables reached $7.0bn, the highest in five years, up 9% YoY.
Cost-to-income ratio improved by ~700bps to 45.2%.
Jaws ratio improved by 16% YoY as income growth outpaced expenses.
Outlook and guidance
Positive outlook for the remainder of 2025, expecting continued asset growth, strong NIMs, and macroeconomic tailwinds from easing cash rates.
Predictable credit performance anticipated if labour markets and inflation remain stable.
Revenue margin expansion targeted through disciplined pricing and funding strategies.
Ongoing strategic investment in marketing, technology, digital, AI, cyber, and customer experience.
Management focused on sustainable growth, prudent credit management, and long-term shareholder value.
What are the ECL provision scenario weightings?
Are cyber incident class actions provisioned?
What is the funding maturity target range?
Competitive response to pricing pressure?
Future changes to credit provisioning levels?
Future impact of loyalty costs & interchange?
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Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
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Frequently asked questions
Latitude Financial Services Group Limited is a financial services provider specializing in consumer finance across Australia and New Zealand. The company offers a range of products, including personal loans, credit cards, and buy-now-pay-later solutions, designed to meet various consumer borrowing needs. Latitude Financial also provides insurance products and digital payment solutions, focusing on enhancing customer flexibility and convenience. Latitude Financial Services Group Limited is headquartered in Melbourne, Australia, and its shares are listed on the ASX.
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