)
Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
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 half-year results with 146,000 new customers, up 15% YoY, and growth in card transactions and loan originations.
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.
Personal loans receivables reached a record high, maintaining #2 brand position in Australia; card market share expanded by 82bps YoY.
Operational efficiency improved, enabling increased investment in growth initiatives and digital capabilities.
ESG initiatives advanced, including over $1m donated to charity partners and progress in climate reporting.
Financial highlights
Processed 28 million credit card transactions, generating $3.5 billion in purchase volume, both up 13% YoY.
Originated $783 million in new personal and auto loans, a record high, with Money division receivables up 12% to $3.2 billion.
Total interest-bearing receivables reached $5.2 billion, up 11% YoY; gross receivables at $7 billion, highest in five years.
Interest income rose 16% YoY to $588 million; net interest income up 23% YoY to $396 million; NIM yield increased 142bps to 11.7%.
Cash profit before tax rose 40% YoY to $93.5 million; cash NPAT up 69% YoY to $46.2 million; operating income up 19% YoY to $408 million.
Unfranked dividend of 4.00 cents per share declared for the half, with a Dividend Reinvestment Plan available.
Outlook and guidance
Positive outlook for the remainder of 2025, expecting continued asset growth, strong distribution, and product leadership.
Macroeconomic tailwinds, including easing cash rates, expected to support asset growth and consumer demand.
Predictable credit performance anticipated if labour markets and inflation remain stable.
Revenue margin expansion targeted through disciplined pricing and funding strategies.
Continued strategic investments in digital, AI, cyber, and customer experience planned.
What are the ECL provision scenario weightings?
Are cyber incident class actions provisioned?
What is the funding maturity target range?
What mitigates interchange fee impact?
Future non-interest income loyalty program impact
Strategy for competitive volume vs. NIM
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage