Australia · Delayed Price · Currency is AUD Plenti Group Earnings Call Transcripts
Fiscal Year 2026
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Delivered record Q4 originations and strong profit growth, exceeding ambitious loan portfolio targets. Margins and credit quality remained robust despite higher funding costs, with continued investment in technology and operational efficiency.
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Record first half with 46% loan origination growth and 147% increase in cash PBT, driven by strong performance across all lending verticals and improved efficiency. Net interest margin rose to 5.4%, credit losses fell, and the AUD 3 billion loan book target is on track for March 2026.
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Q2 2026 saw record loan originations, robust profit growth, and strong credit performance, with all segments contributing to a 133% year-over-year increase in cash NPAT. Strategic investments and favorable market conditions support the accelerated path to a $3B loan book.
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Record Q1 loan originations rose 44% year-over-year, driving the loan book to $2.68 billion. Margins improved, annualized loss rates fell to 94 basis points, and all segments contributed to growth. Strategic wins with NAB and the WA government support strong FY26 outlook.
Fiscal Year 2025
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The AGM highlighted strong loan and revenue growth, improved profitability, and a successful CEO transition. Strategic initiatives focused on technology, partnerships, and market expansion, with all resolutions put to poll and no shareholder questions raised.
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Exceptional FY25 results with 19% loan book growth, 126% increase in cash impact, and AUD 24.7 million statutory profit, including a significant non-recurring tax benefit. Strong momentum across all segments and a clear strategy targeting a AUD 3 billion loan book by March 2026.
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Record loan originations and loan book growth drove a 126% increase in full-year cash impact, with all lending segments contributing and credit quality remaining strong. Strategic partnerships and robust funding position support continued expansion, despite some market volatility.
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Reported a 260% increase in H1 Cash NPAT to AUD 5.5 million, with strong loan book and revenue growth across automotive, renewables, and personal lending. Launched key partnerships and advanced technology initiatives, while maintaining robust credit performance and improving cost efficiency.