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Latitude Financial Services Group
Latitude Financial Services Group (LFS) investor relations material
Latitude Financial Services Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary19 Feb, 2026
Executive summary
Achieved strong earnings and asset growth, driven by stable macroeconomic conditions, robust customer demand, and record new customer originations, with new customer accounts up 16% year-on-year and increased market share across all businesses.
Added over 300,000 new customers, with 59 million credit card transactions and AUD 7.4 billion in purchase volume, both up 10% versus 2024.
Record new personal and auto loan originations, with personal loans receivables reaching a new high and maintaining #2 market position in Australia.
Enhanced operational efficiency through disciplined, data-led cost management, enabling increased investment in growth and technology, including AI and cyber security.
Maintained disciplined approach to balancing growth and margins, with credit performance within historical ranges despite labor market volatility and inflationary pressures.
Financial highlights
Interest income for FY25 was AUD 1.2 billion, up 11% year-on-year; risk-adjusted income was AUD 573 million, also up 11%.
Net interest income rose to $814m, up 18% year-on-year; total operating income reached $839m, up 15% year-on-year.
Cash profit before tax (PBT) was AUD 211 million, up 36%; cash net profit after tax (NPAT) was AUD 105 million, up 59% year-on-year.
Cash cost-to-income ratio improved to 43.1%, about 800 basis points better than previous year.
Dividend per share increased to 9.0 cents, with a 2H25 franked dividend yield of 11.5%.
Outlook and guidance
Expects to benefit from stronger customer demand and recent growth investments, anticipating volume-led growth in receivables.
Will maintain disciplined margin management, focusing on net interest margins and optimizing revenue yields, with proactive hedging and pricing strategies.
Credit performance anticipated to remain within targeted ranges, supported by disciplined underwriting and active portfolio management.
Ongoing investment in cyber security and advanced technology, including AI, to enhance operating leverage and customer experience.
Remains mindful of labor market, inflation, and central bank rate impacts on households, prepared to adjust pricing and risk strategies as needed.
New EGM role: What's the expected FY26 impact?
Future CTI improvement drivers beyond tech?
Growth vs. NIM: How does risk appetite evolve?
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Next Latitude Financial Services Group earnings date
H1 202621 Aug, 2026
Latitude Financial Services Group
Next Latitude Financial Services Group earnings date
H1 202621 Aug, 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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