Liberty Financial Group
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Liberty Financial Group (LFG) investor relations material

Liberty Financial Group H1 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2026 earnings summary22 Feb, 2026

Executive summary

  • Achieved continued profit growth momentum with profit after tax rising 16.5% to $76.4 million, supported by record loan originations and improved borrower demand.

  • Lower impairment expense and effective cost management reduced cost to income ratio and improved operational efficiency.

  • Acquisition of Moula to drive unsecured SME lending and further diversify portfolio, with a 50% interest acquired for $20.9 million.

  • Financial assets under management increased to $14.8 billion.

  • Total operating income declined 6.5% to $712.2 million due to lower interest income, partially offset by higher fee and commission income.

Financial highlights

  • Underlying NPATA rose 12% to $82.3m compared to $73.6m in 2H25.

  • Net revenue increased 3% to $310.8m year-over-year.

  • Net interest margin (NIM) at 2.47%, down 3bps from 2H25.

  • Cost to income ratio improved to 26.4% from 27.3% in 2H25.

  • Diluted EPS increased to 0.252 from 0.216 year-over-year.

Outlook and guidance

  • Favourable funding markets expected to support NIM.

  • Automation and digital investment to maintain operational efficiency.

  • Peer outperformance in NIM, CTI, and ROA expected to continue.

  • Focus remains on enhancing customer experience, expanding customer choice, and optimizing risk-adjusted returns.

  • Increasing interest rates may impact delinquency.

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H2 202623 Aug, 2026
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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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