LATITUDE GROUP HOLDINGS LIMITED DISCLOSURECurrent Reports (8-K / ad hoc)

LFS 1H26 Results Announcement

21 August 2026 ASX ANNOUNCEMENT Latitude lifts first half profit by 39% YoY as disciplined execution drives earnings growth Latitude Group Holdings Limited (ASX: LFS) today announced its results for the half year ended 30  June 2026, delivering strong profit growth supported by higher receivables, margin expansion and disciplined cost management despite a more challenging operating environment. • Cash NPAT increased 39% YoY to $64.3 million. • Statutory NPAT from continuing operations increased 37% YoY to $54.4 million. • The Board declared a fully franked interim dividend of 5.50 cents per share. 1H26 Business Highlights • Total new credit card and new loan volumes increased 4% YoY to $4.4 billion, reflecting continued demand for Latitude's products. • Gross receivables also increased 4% YoY to $7.3 billion, reaching their highest level in six years. • Operating income increased 7% YoY to $437.8 million, with operating margin expanding 20bps YoY to 12.2% despite three Reserve Bank of Australia cash rate increases during the period. • Risk-adjusted income increased 3% YoY to $285.8 million, delivering strong risk- adjusted returns of 8.0% despite persistent inflationary pressures impacting household budgets. • Cash operating expenses decreased 2% YoY to $181 million, improving cash cost- to-income ratio by 390bps to 41.3%. • Completed $2.3 billion of funding transactions and a $135 million Capital Notes 2 issuance (including $64 million rollover from Capital Notes 1), enhancing funding diversity, reinforcing balance sheet flexibility and supporting future growth. • The new Enterprise Growth Division continued building momentum across the Health & Wellness and Home Improvement categories, securing Ashley & Martin as a new anchor partner. • Continued deployment of artificial intelligence solutions across key business processes to improve customer experience, increase productivity and strengthen operating leverage. Latitude Group Holdings Limited ACN 604 747 391 Level 18, 130 Lonsdale Street Melbourne VIC 3000 latitudefinancial.com For personal use only Managing Director and CEO Bob Belan said: "Latitude delivered a strong first half result despite a more challenging macro- operating environment, with Cash NPAT increasing 39% to $64.3 million as we continued to grow receivables, expand margins and improve operating efficiency. "Ov