• Cash NPAT from continuing operations up 59% YoY to $105.1m
• Receivables up 7% YoY to $7.2 billion, driven by 10% volume growth
• Operating income margin expanded 78bps YoY to 12.12%

Latitude Group Holdings reported a strong performance in FY25, with Cash NPAT from continuing operations up 59% year-on-year to $105.1 million. This was driven by sustained momentum across key metrics, including a 7% year-on-year increase in receivables to $7.2 billion, supported by 10% growth in total volumes to $9,054 million. The combination of pricing strategy discipline and decreasing funding yields expanded the operating income margin by 78bps year-on-year to 12.12%. Delinquencies trended upward but remained within expected historical ranges, aligned with the macroeconomic environment. The company's cost management initiatives delivered a ~900bps improvement in the cash cost-to-income ratio to 41.2%, enabling investments in technology, marketing and innovation. The Board declared a fully franked 2H25 dividend of 5.00 cents per share, bringing the full-year dividend to 9.00 cents per share, equivalent to an 89% payout ratio.

Latitude Group Holdings did not provide any high-importance, price-sensitive forward-looking financial metrics in the announcement.