• Record settlements and lodgements in Residential and AFG Securities
• Distribution earnings up 8%, with strong growth in broker services
• Manufacturing earnings set for growth, with improving NIM and record book size
• Recent strategic investments to deliver $5m - $7m annualised EBITDA from H2 FY25

Australian Finance Group Ltd (AFG) has reported record half-year results for the first half of the 2025 financial year (H1 FY25), with strong performance across its key business segments. The company recorded a 13% increase in residential settlements to $32 billion, along with a 23% growth in the AFG Securities loan book to a record $5.1 billion. Distribution earnings, which account for 82% of the company's gross profit, grew by 8%, driven by increased broker services and the continued adoption of the BrokerEngine Plus platform. The Manufacturing segment also delivered improved performance, with a record loan book size and increasing net interest margin. Recent strategic investments, including increased ownership in Fintelligence and minority equity positions in two broker groups, are expected to contribute an additional $5 million to $7 million in annualised EBITDA from the second half of FY25. AFG's strong balance sheet and history of successful capital allocation have enabled the company to make these investments to support future growth. The company has also declared a fully franked interim dividend of 3.8 cents per share, payable on 9 April 2025.

AFG expects its recent strategic investments to deliver $5 million to $7 million in annualised EBITDA from the second half of the 2025 financial year.

AFG's diversified business model, market-leading broker technology, and strategic investments position the company for continued growth. The company is well-placed to gain market share in the growing Australian finance market, with a focus on expanding its broker network, enhancing its broker services, and delivering higher-margin earnings through its distribution network.