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Plenti Group (PLT) investor relations material
Plenti Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary17 Nov, 2025
Executive summary
Achieved record first half results for the period ended 30 September 2025, with Cash PBT of AUD 14.1 million, up 147% year-over-year, and Cash NPAT of AUD 12.8 million, up 133%, driven by rapid growth in loan originations and profitability across automotive, renewables, and personal loans.
Statutory NPAT rose to AUD 10.5 million from AUD 0.9 million in the prior year, with basic EPS increasing to 5.92 cents from 0.53 cents.
Loan originations reached AUD 912 million, up 46% year-over-year, driving the loan book to AUD 2.8 billion, up 24%, and on track to reach the AUD 3 billion target by March 2026.
Maintained disciplined credit outcomes and improved operational efficiency, with a focus on technology-driven customer experiences and straight-through processing.
Net revenue increased 20% to AUD 149.5 million, with strong credit performance and annualised net credit losses of 0.94%.
Financial highlights
Revenue exceeded AUD 150 million for the half, reflecting strong loan book and origination growth.
Net interest margin increased to 5.4% in H1 2026 from 5.3% in H1 and H2 2025.
Net realized credit losses dropped to 94 basis points, down from 1.1% in the prior two years.
Operating costs grew 16% year-over-year, while net margin grew 27%, demonstrating strong operating leverage.
Statutory operating cashflow was AUD 20.2 million, with AUD 7.5 million invested into funding facilities, fully covered by operating cashflows.
Outlook and guidance
Confident in achieving FY2026 priorities: AUD 3 billion loan book by March 2026, continued profitability, and cost-to-net margin below 57%.
Strategy focuses on extracting value from existing verticals and disciplined expansion into new opportunities (Horizon Two and Three).
Monitoring market conditions closely, with December performance seen as a key determinant for the current quarter.
Expanded funding capacity post-period with increases to warehouse and trust limits, and establishment of a new AUD 350 million warehouse.
No other material events or changes expected to significantly affect future operations.
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Frequently asked questions
Plenti Group Limited is an Australian fintech company that operates a digital lending platform, offering personal loans, automotive loans, and renewable energy financing. The company utilizes technology-driven solutions to streamline the loan application and approval processes, providing fast and flexible financing options to consumers and businesses. Plenti Group also connects investors to its loan portfolio, allowing them to participate in fixed-income investments. With a focus on customer experience and competitive rates, Plenti serves a diverse client base seeking accessible financial solutions. Plenti Group Limited is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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