Full Year 2025 Lendinvest PLC Earnings Call Transcript
Key Points
- LendInvest PLC (FRA:82H) achieved a significant turnaround by returning to profitability in the second half of FY25, with a profit before tax of GBP500,000.
- The company reported a 39% increase in total new lending year-on-year, reaching GBP1.23 billion, with strong momentum in the mortgages division.
- Operating costs fell by 22%, contributing to the company's return to profit, demonstrating effective cost management and operational efficiency.
- LendInvest's platform assets under management increased by 16% to GBP3.23 billion, with 79% managed on behalf of third parties, indicating a successful strategic shift to a capital-light model.
- The company was recognized as Digital Lender of the Year 2025 by Smart Money People, highlighting its strong market position and customer satisfaction.
- Despite the return to profitability, LendInvest PLC (FRA:82H) still reported a loss before tax of GBP1.2 million for the full year.
- The company faces a challenging property market environment with relatively low transaction volumes, which could impact future growth.
- There is a reliance on maintaining and expanding funding lines from existing relationships, which could pose a risk if these partnerships do not continue to grow.
- Impairment charges, although reduced, remain a concern, with the company planning conservatively for FY26.
- The company does not expect to resume dividend payments in the near term, focusing instead on repairing the balance sheet and growing profitability.
Good day ladies and gentlemen and welcome. Good day ladies and gentlemen Lendinvest PLC full year results 2025. (Operator Instructions)
I would like to remind all participants that this call is being recorded. I will now hand over to the CEO of Lendinvest, Rod Lockhart, to open the presentation. Please go ahead.
Good morning, everyone, and thank you for joining us. We're excited to share our results for the year-ended March 31, 2025. I'm joined this morning by Stephen Shipley, our CFO; and Hugo Davies, our Chief Capital Officer.
Over the next 30 minutes, we'll deep-dive into our FY25 performance, showcasing precisely how we've executed our strategy, and critically, how this positions us for profitable growth in the years to come. This past year has been transformative for Lendinvest. We've achieved pivotal milestones in funding, dramatically boosted operating efficiency, and built a scalable foundation. And critically, we've made great progress in enhancing our
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