Judo Capital Holdings Ltd (OTCPK:JDCHF)

Half Year 2025 Judo Capital Holdings Ltd Earnings Call Transcript

Feb 17, 2025 / 11:00 PM GMT

Transcript

Key Points

Positve

Judo Capital Holdings Ltd (ASX:JDO) reported a 33% increase in profit before tax, showcasing strong financial performance.
The company has successfully expanded its lending franchise, adding 15 new business bankers and 5 new regional locations, indicating growth and regional penetration.
Net Interest Margin (NIM) has been strong, with positive tailwinds leading to an upgrade in NIM guidance for the second half and full year.
Judo's customer satisfaction remains high, with a leading Net Promoter Score (NPS) of 51, significantly outperforming incumbent banks.
The company has maintained stable credit quality metrics, benefiting from proactive portfolio management initiatives.

Negative

The company faces challenges with increased runoff due to proactive initiatives, impacting growth balance.
There is a potential risk of volatility in impairment expenses, as noted by the company maintaining its cost of risk guidance.
Judo Capital Holdings Ltd (ASX:JDO) has not upgraded its profit before tax guidance despite improved margin forecasts, indicating potential offsets elsewhere in the income statement.
The company acknowledges the competitive environment, particularly in the business banking sector, which could impact future growth.
There is a noted increase in average risk weight, reflecting a shift towards higher-risk lending segments, which could affect the company's risk profile.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

JDO.AX - Judo Capital Holdings Ltd
Half Year 2025 Judo Capital Holdings Ltd Earnings Call
Feb 17, 2025 / 11:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning and welcome to the Judo Bank first half 25 results briefing. My name's Andrew Dempster, I'm the general manager of investor relations at Judo.

I'd like to welcome the traditional owners of the land that we're meeting on today and acknowledge elders past, present, and emerging.

Today we're going to follow our usual format. Firstly, we'll hear from CEO Chris Bayliss, who'll provide an overview of the performance of the business over the last 6 months. Then we'll hear from Andrew Lisley, our CFO, who'll run through the financials in detail, and Chris will then return to run through the outlook.

We'll then have time for Q&A and and of course our documents have been lodged with

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.