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Plenti Group (PLT) investor relations material

Plenti Group Q2 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2026 earnings summary20 Oct, 2025

Executive summary

  • Delivered outstanding Q2 2026 results with the fourth consecutive record quarter, maintaining strong momentum and exceeding key financial and operational targets.

  • Achieved $475 million in loan originations in Q2, up 47% year-over-year and 9% sequentially.

  • 1H26 Cash PBT reached $14.1 million (up 147% YoY) and Cash NPAT was $12.8 million (up 133% YoY).

  • Loan portfolio grew to $2.83 billion, a 24% increase year-over-year and 6% above the prior quarter.

  • Focused on renewables, auto, and personal loan verticals, leveraging proprietary technology and diversified funding.

Financial highlights

  • Quarterly revenue was $76.3 million, up 20% year-over-year, with an annualized run-rate revenue of $305 million.

  • Loan originations in Q2 were $475 million, up 47% year-over-year and 9% sequentially.

  • Automotive loan originations were $264 million (+57% YoY, +16% QoQ), renewables $57 million (+28% YoY, +18% QoQ), and personal loans $154 million (+39% YoY, -4% QoQ).

  • NAB PowerBuy Plenti car loan portfolio grew to $66.7 million, with daily origination rate up 23% sequentially.

  • Net interest margins on new originations slightly declined due to higher market rates and competition.

Outlook and guidance

  • On track to achieve a $3 billion loan portfolio by March 2026, with accelerated progress versus previous growth rates.

  • Additional investments planned in product, technology, and operations for 2H26, with operating costs expected to exceed $69 million in FY26.

  • Cash PBT and NPAT expected to increase in 2H26, but growth rate to be less pronounced than recent years.

  • Cost-to-net margin targeted below 57% for FY26 despite increased investment.

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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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