• Strong financial performance with Underlying NPAT up 11.8% and Underlying diluted EPS up 18.2% on pcp
• Substantial capital returned to shareholders with $126m in dividends and no buy-back activity in 2H25
• Sharpened focus on cost management with a $15m reduction in recurring cost base

Helia Group Ltd reported strong financial results for the 2025 financial year, with Statutory NPAT of $244.9m, up 5.8% on the prior year, and Underlying NPAT of $247.0m, up 11.8%. Underlying diluted EPS increased 18.2% to 89.9 cents per share. The company declared fully franked ordinary dividends of 32 cents per share and partially franked special dividends of 94 cents per share, totaling $126m returned to shareholders. There was no buy-back activity in the second half of 2025, with the buy-back program expiring on 31 December 2025. Helia maintained its commitment to the LMI market, renewing 5 exclusive customers and enhancing its customer value proposition, which contributed to a 23% increase in the HLVR market. The company also made progress on cost management, with a $15m reduction in the recurring cost base through increased automation and adoption of enterprise AI. Delinquencies were down 15% on the prior year, reflecting lower new delinquencies and higher cure rates, with negative equity across the portfolio at 0.5%. Looking ahead, Helia remains focused on capital management, new business, and cost management to drive shareholder value.

Helia remains focused on capital management, new business, and cost management to drive shareholder value. The company is well-positioned to navigate the challenging economic environment, with a strong balance sheet and a commitment to delivering for its customers and shareholders.