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Unaudited consolidated interim results for the six months ended 31 August 2025 and dividend declaration
FINBOND GROUP LIMITED
(Incorporated in the Republic of South Africa)
(Registration number: 2001/015761/06)
Share code: "FGL" ISIN: ZAE000138095
Main Board – General Segment
("Finbond" or "the Company" or "the Group")
UNAUDITED CONSOLIDATED INTERIM RESULTS FOR THE SIX MONTHS ENDED 31 AUGUST 2025
AND DIVIDEND DECLARATION
HIGHLIGHTS
The Group made strong progress on its long-term strategy, strengthening the foundation for sustained
profitability. Loan volumes were robust in South Africa and continue to improve in North America, driving
a significant rise in interim profitability.
For the six months ended 31 August 2025:
• Profit after tax attributable to owners increased 598.9% to R52.8 million (August 2024: Loss of
R10.6 million).
• Earnings per share improved 576.6% to 11.0 cents (August 2024: Loss of 2.3 cents).
• Headline earnings per share improved 154.3% to 1.1 cents (August 2024: Loss of 2.0 cents).
• Net asset value per share improved 7.2% to 148.9 cents (August 2024: 138.8 cents).
• Total revenue increased 13.4% to R909.4 million (August 2024: R801.6 million).
• Net loan impairment expense to loan revenue improved 2.2% to 17.4% (August 2024: 17.8%).
• Cash, cash equivalents and liquid assets increased 22.4% to R1.07 billion (August 2024: R872.0
million).
• Cash received as a percentage of capital granted improved 0.7% to 126.5% (August 2024: 125.6%),
despite growth in loans and advances growth.
• Loans and advances increased 1.4% to R666.1 million (August 2024: R657.2 million), noting that
loans and advances consolidated on the balance sheet does not include the growth of loans and
advances within joint ventures and associates.
• Total assets increased 9.9% to R4.62 billion (August 2024: R4.20 billion).
DIVIDEND DECLARATION
The Board has declared a cash dividend of 5.50242 cents per share for the six months ended 31 August
2025 (2024: no dividend).
The dividend is subject to South African dividend withholding tax at a rate of 20%, resulting in a net
dividend of 4.40194 cents per ordinary share, unless the shareholder is exempt from paying dividend tax
or is entitled to a reduced rate of dividend tax in terms of an applicable double-taxation agreement.
As at the date of this announcement, the Company has 515 720 092 ordinary shares of no par value in
issue, of which 43 201 109 are held in treasury.
The Company's income tax reference number is 9194313145.
Shareholders are hereby advised of the following salient dates and times for the payment of the dividend:
Publication of declaration data and finalisation Thursday, 30 October 2025
information
Last day to trade cum dividend Tuesday, 18 November 2025
Securities commence trading ex dividend Wednesday, 19 November 2025
Record date for purposes of determining the Friday, 21 November 2025
registered holders of ordinary shares to
participate in the dividend at close of business on
Payment date Monday, 24 November 2025
Share certificates may not be dematerialised or rematerialised between Wednesday, 19 November 2025
and Friday, 21 November 2025, both dates inclusive.
SHORT-FORM ANNOUNCEMENT
This short-form announcement is the responsibility of the directors and is only a summary of the
information contained in the unaudited consolidated interim results for the six months ended 31 August
2025 ("Interims") and accordingly does not contain full or complete details.
The Interims are available on the JSE cloudlink at
https://senspdf.jse.co.za/documents/2025/JSE/ISSE/FGL/FGLHY26.pdf and on the Company's website at
https://finbondgroup.com/announcements.html.
Any investment decision by shareholders and/or investors should be based on consideration of the
Interims available on the JSE cloudlink or the Company's website, as a whole.
FINANCIAL SUMMARY
Six months Six months %
ended ended Change
31 August 31 August
2025 2024
Revenue (R'000) 909 390 801 593 13.4
Basic earnings/(loss) per share 11.0 (2.3) >100
(cents)
Diluted earnings/(loss) per 11.0 (2.3) >100
share (cents)
Headline earnings/(loss) per 1.1 (2.0) >100
share (cents)
Diluted Headline 1.1 (2.0) >100
earnings/(loss) per share
(cents)
Dividend per share (cents) 5.5 - >100
Net asset value per share 148.9 138.8 7.2
(cents)
By order of the board
DR MALESELA MOTLATLA DR WILLEM VAN AARDT
Chairman Chief Executive Officer
Pretoria
30 October 2025
Directors: Chairman: Dr MDC Motlatla* (BA, DCom (Unisa)); Chief Executive Officer: Dr W van Aardt
(BProc (Cum Laude), LLM (UP), LLD (PU CHE) Admitted Attorney of The High Court of South Africa, QLTT
(England and Wales), Solicitor of the Supreme Court of England and Wales); Chief Financial Officer: GW
Labuschagne (CPA (CA), BCom (Hons Acc), BCom (Fin Acc) (Cum Laude)); HJ Wilken-Jonker* (BCom Hons
(Unisa), MConSci (UP)); PA Naudé*(BCom (Marketing), Gaining Competitive Advantage (Michigan), IEP
(INSEAD)); Adv. N Melville* (BLaw, LLB (Natal) LLM(Cum Laude) (Natal), SEP (Harvard)); DC Pentz* (B Com
(Hons), (Chartered Accountant (SA), AEP (Unisa)); SM Riskowitz* (BCom (Wits))
*Non-executive
Secretary: B Bredenkamp (BCom Accounting, LLB, MBA)
Transfer secretaries: JSE Investor Services (Proprietary) Limited (Registration number 2000/007239/07),
One Exchange Square, 2 Gwen Lane, Sandown, Sandton, 2196
Sponsor: Valeo Capital
Date: 30-10-2025 12:34:00
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