1H26 Earnings Release

• Statutory NPAT down 25% to $100.0 million
• Underlying NPAT down 16% to $106.3 million
• Declared a fully franked interim ordinary dividend of 16.0 cents per share
• GWP down 44% to $61.6 million
• FY26 Insurance revenue expected between $330 million to $360 million

Helia Group Ltd. reported its financial results for the half year ended 30 June 2026 (1H26). Despite a challenging industry backdrop, Helia delivered a strong financial and operational performance. Statutory net profit after tax (NPAT) was down 25% on pcp to $100.0 million, while underlying NPAT was down 16% to $106.3 million. The company declared a fully franked interim ordinary dividend of 16.0 cents per share and an unfranked interim special dividend of 27.0 cents per share. Gross written premium (GWP) was down 44% to $61.6 million, reflecting no CBA new business and reduced First Home Buyer new business. Insurance revenue was down 6% to $170.6 million. Total incurred claims were negative $14 million, resulting in a total incurred claims ratio of -8%. Operating expenses were down 16% due to reduced expenditure and lower FTE employees. The company expects FY26 insurance revenue to be within a range of $330 million to $360 million.

FY26 Insurance revenue expected between $330 million to $360 million

Helia Group Ltd. expects the portfolio to remain well positioned despite more challenging economic conditions, with the Total incurred claims ratio expected to stay below through-the-cycle average levels.