Plenti Group (PLT) investor relations material

Executive summary

• Achieved record Q4 loan originations of AUD 475 million, up 17% year-over-year, driving the loan portfolio to AUD 3.1 billion, 22% above prior year and 4% above previous quarter.

• Cash profit before tax reached AUD 30.8 million (unaudited), up 117% year-over-year; FY 2026 cash NPAT was AUD 27.3 million, up 97% year-over-year.

• Delivered all FY26 market guidance objectives for growth, profitability, and efficiency, exceeding the AUD 3 billion loan portfolio goal ahead of schedule.

• Maintained strong momentum across all business verticals and continued to invest in technology and operational efficiency, including AI-driven initiatives.

Financial highlights

• FY26 originations totaled AUD 1,868 million, a 32% increase year-over-year; Q4 originations: AUD 475 million (+17% YoY); loan portfolio: AUD 3.1 billion (+22% YoY, +4% QoQ).

• Cash PBT: AUD 30.8 million (+117% YoY); cash NPAT: AUD 27.3 million (+97% YoY).

• Portfolio margin in Q4 was above the average margin in the first half, despite tighter new origination margins (5.4%).

• Realized credit losses at 96 bps; 90+ day arrears stable at 42 bps.

• Cost to net margin improved to 56.7% from 60.7% in FY 2025, below the 57% target.

Outlook and guidance

• No forward projections provided; detailed outlook and strategy update to be shared in May 2026.

• Focus remains on maintaining competitive pricing, accelerating originations, and capturing market share in large markets.