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Liberty Financial Group (LFG) investor relations material
Liberty Financial Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary24 Aug, 2025
Executive summary
Returned to profit growth in FY25 and 2H25, supported by NIM expansion and lower impairment expense as credit risk moderated.
Maintained portfolio stability through disciplined execution and effective cost management, with a stable cost to income ratio.
Achieved investment grade balance sheet with 12% cash ROE and strong broker/customer net promoter scores.
Financial highlights
Underlying NPATA rose 10% to $145m (from $132m); net revenue up 4% to $604m (from $583m) year-over-year.
NIM at 2.49% (down 2bps); cost to income ratio improved to 27.1% (down 90bps); BDD at 19bps (down 6bps).
Distribution and dividend totaled 52c (up 108%), including a special dividend.
Average financial assets increased 4% to $14.7b; new assets originated fell 10% to $5.1b.
Impaired loans increased 10% to $341m; average FTE staff decreased 4% to 524.
Outlook and guidance
Environment expected to support origination and portfolio growth, with delinquency to reduce as interest rates normalize.
NIM expansion anticipated to continue, with ongoing investment in digital experiences and automation to maintain operational efficiency.
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Next Liberty Financial Group earnings date
AGM 202520 Nov, 2025
Next Liberty Financial Group earnings date
AGM 202520 Nov, 2025
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Frequently asked questions
Liberty Financial Group Limited operates within the financial services sector in Australia and New Zealand. The company is structured into three main segments: Residential Finance, Secured Finance, and Financial Services. Its offerings encompass residential and commercial mortgages, motor vehicle and commercial lending, loans to Self-Managed Superannuation Funds (SMSF), as well as unsecured and secured personal loans. Additionally, Liberty Financial provides business, commercial, lease income, residential and commercial SMSF loans, business lines of credit, and commercial property, home, and car loans. The company also extends its services to mortgage broking, insurance solutions, and specialty lending, alongside finance and general insurance broking, receivables, consumer insurance underwriting, real estate, and fund management services. The company is headquartered in Melbourne, Australia, and its shares are listed on the ASX.
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