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Weaver Fintech
Weaver Fintech (WVR) investor relations material
Weaver Fintech H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary12 Aug, 2025
Executive summary
Revenue increased 29% year-over-year to R2.6 billion, with profit before tax up 48% to R370 million, driven by strong fintech performance and digital engagement.
Fintech now generates over 90% of group profits, with customer base up 48% to 3.7 million and 91% of transactions digital.
Fee-based income rose to 28% of revenue, reflecting successful diversification and scaling of digital products.
Retail segment delivered 16% sales growth, supported by new showroom rollouts and improved product mix.
Headline earnings per share rose 45% and interim dividend per share up 47%.
Financial highlights
Group profit before tax increased 48% to R370 million; operating profit up 45% to R564 million.
Cash collections up 47% to R7.7 billion; fintech loan disbursements and payments GMV both grew over 50%.
Fee-based income now 28% of total revenue; lending income contributed 46%.
Gross profit margin improved by 70bps to 46.2%; fintech profit before tax margin reached 25%.
Available funding, including cash and undrawn facilities, stands at R2.1 billion.
Outlook and guidance
Continued investment in AI, data, and new payment products expected to drive further fee-based innovation and cross-sell.
Disbursements up 25%, payments GMV up nearly 91%, and retail sales up 12% since June, indicating strong momentum into the second half.
Retail network expansion to 100 showrooms is a key growth lever, with further openings planned.
Significant runway for growth in South Africa, with potential for future international expansion.
Focus on cross-selling digital financial services and leveraging data analytics for next-generation product development.
Detail AI's role in future profit optimization
Quantify ecosystem's ARPU growth from cross-sell?
How is Weaver addressing BNPL regulatory scrutiny?
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Next Weaver Fintech earnings date
H2 202510 Mar, 2026
Weaver Fintech
Next Weaver Fintech earnings date
H2 202510 Mar, 2026
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Frequently asked questions
HomeChoice International plc (HIL) is an investment holding company with a focus on fintech and omni-channel retail sectors, operating primarily through its wholly owned subsidiaries, including Weaver Fintech and HomeChoice South Africa. It offers a wide range of services including personal lending, insurance, Buy Now, Pay Later (BNPL), payments, and value-added services, aiming to cater to the mobile-savvy, mass-market consumer, particularly targeting female customers in South Africa. Additionally, its retail segment, HomeChoice, focuses on delivering quality homeware merchandise directly to homes. The company is headquartered in Mapou, Mauritius, and its shares are listed on the Johannesburg Stock Exchange.
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