• Statutory profit after tax from continuing operations up 208.5% to $94.4 million
• Cash NPAT from continuing operations up 59% to $105.1 million
• Total operating income up 15% to $839.5 million, driven by 18% increase in net interest income

Latitude Group Holdings Ltd has reported strong financial results for the full year ended 31 December 2025, with statutory profit after tax from continuing operations increasing 208.5% to $94.4 million and cash NPAT from continuing operations up 59% to $105.1 million. Total operating income grew 15% to $839.5 million, driven by an 18% increase in net interest income to $813.6 million, reflecting a 104bps improvement in net interest margin to 11.75%. New volume grew 10% year-on-year to $9.1 billion, supported by strong demand for lending products and solid retail purchase activity. Receivables for the Group grew 7% to $7.2 billion, with interest-bearing receivables up 8%. The company maintained prudent credit discipline, with net charge offs increasing to 3.85% of average receivables, up 52bps year-on-year, but still within the pre-COVID historical range. Cash operating expenses increased 1% year-on-year, with productivity improvements helping offset the impact of higher volumes. The cash cost-to-income ratio improved to 43.1%, down 625bps year-on-year. The results reflect the successful execution of Latitude's strategy, with ongoing improvement across key operational and financial metrics.

Latitude expects to continue delivering sustainable growth, disciplined credit performance, and long-term value for shareholders in FY26.