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Latitude Financial Services Group
Latitude Financial Services Group (LFS) investor relations material
Latitude Financial Services Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary22 Aug, 2025
Executive summary
Achieved strong half-year results with 146,000 new customers, up 15% YoY, and growth in card transactions and loan originations.
Statutory profit after tax from continuing operations rose to $39.7m in 1H25, up 341% YoY, with cash NPAT up 69% YoY to $46.2m.
Personal loans receivables reached a record high, maintaining #2 brand position in Australia; card market share expanded by 82bps YoY.
Operational efficiency improved, enabling increased investment in growth initiatives and digital capabilities.
ESG initiatives advanced, including over $1m donated to charity partners and progress in climate reporting.
Financial highlights
Processed 28 million credit card transactions, generating $3.5 billion in purchase volume, both up 13% YoY.
Originated $783 million in new personal and auto loans, a record high, with Money division receivables up 12% to $3.2 billion.
Total interest-bearing receivables reached $5.2 billion, up 11% YoY; gross receivables at $7 billion, highest in five years.
Interest income rose 16% YoY to $588 million; net interest income up 23% YoY to $396 million; NIM yield increased 142bps to 11.7%.
Cash profit before tax rose 40% YoY to $93.5 million; cash NPAT up 69% YoY to $46.2 million; operating income up 19% YoY to $408 million.
Unfranked dividend of 4.00 cents per share declared for the half, with a Dividend Reinvestment Plan available.
Outlook and guidance
Positive outlook for the remainder of 2025, expecting continued asset growth, strong distribution, and product leadership.
Macroeconomic tailwinds, including easing cash rates, expected to support asset growth and consumer demand.
Predictable credit performance anticipated if labour markets and inflation remain stable.
Revenue margin expansion targeted through disciplined pricing and funding strategies.
Continued strategic investments in digital, AI, cyber, and customer experience planned.
What are the ECL provision scenario weightings?
Are cyber incident class actions provisioned?
What is the funding maturity target range?
What mitigates interchange fee impact?
Future non-interest income loyalty program impact
Strategy for competitive volume vs. NIM
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Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
Latitude Financial Services Group
Next Latitude Financial Services Group earnings date
H2 202519 Feb, 2026
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Frequently asked questions
Latitude Financial Services Group Limited is a financial services provider specializing in consumer finance across Australia and New Zealand. The company offers a range of products, including personal loans, credit cards, and buy-now-pay-later solutions, designed to meet various consumer borrowing needs. Latitude Financial also provides insurance products and digital payment solutions, focusing on enhancing customer flexibility and convenience. Latitude Financial Services Group Limited is headquartered in Melbourne, Australia, and its shares are listed on the ASX.
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