• Strong customer demand and product engagement driving asset growth at higher margins
• Continued expansion in public ABS markets and funding optimisation delivering lower cost of funds
• Disciplined cost management delivering operating leverage and efficiency

Latitude Group Holdings Ltd (LFS) reported a strong set of financial results for the full year ended 31 December 2025. Key highlights include:- Strong customer demand and product engagement driving asset growth, with 11% year-on-year growth in new customer accounts, 18% growth in new personal and auto loan origination, and 25% growth in total card purchase volume. This translated into 7% growth in total receivables to a new record high of $7.2 billion.- Continued expansion in public ABS markets and funding optimisation, with $3 billion of new funding raised or refinanced across ABS deals and warehouse facilities. This enabled a 104 bps year-on-year reduction in cost of funds, supporting a 27 bps expansion in net interest margin to 11.75%.- Disciplined cost management, with a 3% year-on-year reduction in cash operating expenses, enabling positive Jaws of 15.1% and a 800 bps improvement in cash cost-to-income ratio to 43.1%. This supported a 36% increase in cash net profit after tax to $211 million.- Strengthened balance sheet, with a tangible equity ratio of 7.1% and ample liquidity, positioning the company well to support continued growth.The company's strategic initiatives, including investment in digital capabilities, AI, and new products and partnerships, are delivering results and positioning Latitude for sustained profitable growth.

Latitude Group Holdings Ltd expects to deliver double-digit growth in revenue, profitability, and receivables in the 2025 financial year, supported by continued strong customer demand, funding optimisation, and disciplined cost management.

Latitude Group Holdings Ltd remains focused on executing its 'Bridge to the Future' strategy, which includes sustaining the company's high-performance culture, extending its core business fundamentals, accelerating growth in new adjacencies, modernising technology platforms, and driving operational excellence. The company is well-positioned to continue delivering profitable growth and shareholder returns.