Plenti Group (PLT) Q4 2025 TU earnings summary

Executive summary

• Achieved record quarterly loan originations of AUD 407 million in Q4, up 42% year-over-year and 6% sequentially, despite seasonal headwinds and weather disruptions.

• Loan book reached AUD 2.5 billion at March 31, 2025, representing 19% growth year-over-year and 6% over the prior quarter.

• All three lending verticals—auto, renewables, and personal loans—contributed to growth, with personal loans up 58% year-over-year.

• Strategic partnership with NAB expected to become a more significant contributor to future loan originations, with car loan originations more than tripling from the prior quarter and March volumes up 60% month-over-month.

• Full year FY25 unaudited Cash NPAT was AUD 13.8 million, up 126% from FY24, driven by strong originations and disciplined cost management.

Financial highlights

• Quarterly revenue was AUD 69.4 million, up 16% year-over-year.

• Annualised net credit losses were 1.16%, up from 1.03% in the prior quarter.

• 90+ day arrears improved to 43 basis points, down from 47 basis points sequentially.

• Second half cash impact was AUD 8.3 million, building on AUD 5.5 million in the first half.

• Margins remained broadly stable as the loan book expanded.

Outlook and guidance

• FY25 market guidance objectives for growth, profitability, and efficiency were met.

• Anticipates NAB partnership to drive further loan origination growth in the coming year.

• Further details on FY26 outlook and strategic direction to be provided at the full-year results in May.