The Judo Capital Holdings Ltd (ASX: JDO) share price is in focus as the company delivered strong lending growth of 16% to $12.5 billion and increased underlying profit before tax by 14% to $125.6 million for FY25.
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What did Judo Capital Holdings report?
- Lending book rose 16% over the year to $12.5 billion, outpacing system growth
- Underlying profit before tax up 14% to $125.6 million
- Deposit franchise grew to $10 billion, with $1.4 billion increase in direct retail balances
- Common Equity Tier 1 (CET1) ratio of 13.1% at 30 June 2025
- 90+ day past due and impaired loan ratio improved to 2.37% at 30 September 2025
What else do investors need to know?
Judo continues to expand its presence in regional and rural Australia, now boasting 165 bankers across 31 locations. The bank maintains industry-leading customer satisfaction, with a sector-best Net Promoter Score of +53, and has been recognised as an AFR BOSS Best Place to Work for the third consecutive year.
During the first quarter of FY26, gross loans and advances increased by $463 million to just over $12.9 billion. The AAA pipeline, representing applications approved and accepted, stands at a healthy $1.9 billion, supporting ongoing growth.
The bank's technological transformation is well underway, with major replatforming of its core systems completed, delivering better scalability and process improvements that should further empower its relationship bankers and boost efficiency.
What did Judo Capital Holdings management say?
Commenting on the result, CEO and Managing Director Chris Bayliss said:
We have a clear and simple strategy to be Australia's most trusted SME business bank, and our conviction in our strategy has never been stronger. No other bank has the combination of our pure-play SME-focus, our culture, and a platform that enables us to deliver our superior customer value proposition to the SME market, and in turn deliver sector-leading returns.
What's next for Judo Capital Holdings?
Looking ahead, Judo is aiming for FY26 profit before tax of $180–190 million, which would reflect around 50% growth over FY25's result. Management expects to see ongoing improvements in return on equity as the bank continues to scale and optimise its operations.
New digital products and deposit offerings are slated for rollout over the coming months. Judo's leadership is focused on leveraging its new IT platform, expanding its lending book, and maintaining high credit standards to support sustainable growth.
Judo Capital Holdings share price snapshot
Over the past 12 months, the Judo Capital Holdings share price has declined 15%, underperforming the S&P/ASX 200 Index (ASX: XJO) which has risen 8% over the same period.
