Resimac Group
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Resimac Group (RMC) investor relations material

Resimac 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 summary24 Feb, 2026

Executive summary

  • Delivered strong earnings growth and momentum in core lending portfolios for 1H 2026, with disciplined capital, risk, and cost management.

  • Normalized operating profit rose 44% year-over-year to AUD 51.7 million, and normalized NPAT nearly doubled to AUD 29.6 million.

  • Statutory NPAT increased 110% to AUD 28.45 million, reflecting improved operating profit and lower impairment expenses.

  • Home Loan and Asset Finance portfolios grew, with AUM up 5% and 25% year-over-year, respectively.

  • Focused on sustainable growth, operational excellence, and transforming into an intelligent lender through technology and AI.

Financial highlights

  • Normalized operating income increased 35% to AUD 103.5 million year-over-year.

  • Net interest income up 26% to AUD 18.7 million; group NIM expanded by 15 basis points to 163 bps.

  • Normalized cost-to-income ratio improved to 50%, down from 53.1% in 1H25.

  • Normalized NPAT nearly doubled to AUD 29.6 million; statutory NPAT more than doubled to AUD 28.5 million.

  • Fully franked interim dividend of AUD 0.04 per share and special dividend of AUD 0.09 per share declared.

Outlook and guidance

  • Normalized operating profit in 2H 2026 expected to be approximately AUD 6 million lower than 1H 2026 due to Westpac Auto portfolio runoff and potential funding cost headwinds.

  • Strategy focuses on strengthening the Home Loan portfolio, leveraging AI for intelligent lending, and scaling complementary products.

  • Management remains vigilant amid persistent inflation and a recent rate increase in February 2026.

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H2 202627 Aug, 2026
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Frequently asked questions

Resimac Group Limited is an Australian non-bank financial services company that provides home loan and asset finance solutions. The company specializes in residential mortgage lending, offering a range of loan products for both prime and non-conforming borrowers. Resimac operates through wholesale and retail channels, servicing customers across Australia and New Zealand with a focus on competitive interest rates and flexible financing options. The company leverages technology to streamline loan processing and enhance customer service, aiming to deliver efficient and accessible lending solutions outside the traditional banking sector. The company is headquartered in Sydney, New South Wales, and its shares are listed on the ASX.

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