Listed integrated financial solutions provider HF Group has reported a profit before tax of KES 1.61 billion for the financial year ended 2025, representing a 250% growth compared to KES 0.46 billion recorded in 2024, signifying a strong operational performance and improved revenue growth across the business.
HF Group Performance Highlights
- Profit Before Tax grew to KES 1.61 billion from KES 0.46 billion.
- Total operating income increased by 48% to KES 6.17 billion.
- Net interest income grew by 64% to KES 4.36 billion
- Non-funded income grew by 20% to KES 1.81 billion
- Total deposits grew by 19% to KES 56.90 billion.
The Group’s strong performance was underpinned by solid growth in operating income, driven by increased net interest income, sustained momentum in non-funded revenue streams, continued expansion of the deposit franchise, and improvements in operational efficiency.
“These results demonstrate that our transformation strategy continues to deliver strong and sustainable growth. We have strengthened our balance sheet, grown our deposit base, diversified our income streams, and improved operational efficiency across the Group,” said Robert Kibaara, HF Group CEO.
He continued, “The FY 2025 results confirm the Group’s solid operational momentum, strengthened balance sheet, and expanding base of revenue-generating assets, firmly positioning HF Group for sustainable long-term growth. Our focus now is on scaling digital platforms, expanding our financial solutions, and deepening customer relationships to drive long-term value for our shareholders and customers.”
HF Group recorded 17% year-on-year growth in total assets to KES 82.4 billion, driven by strong customer confidence and improved market activity. Total deposits grew by 19% to KES 56.90 billion, on the back of enhanced customer value propositions HF Group also achieved a 130 basis point reduction in the cost of deposits year-on-year, underscoring the strength of its diversified value proposition.
Total operating income increased by 48% to KES 6.17 billion, supported by growth in both funded and non-funded income streams. Net interest income rose by 64% to KES 4.36 billion, while non-funded income grew by 20% to KES 1.81 billion, reflecting increased transaction volumes, fees, and diversified revenue streams. Income from government securities grew significantly by 79% to KES 2.83 billion, further supporting overall earnings growth.
The Group maintained strong capital and liquidity positions, with the liquidity ratio closing at 51.5%, more than double the regulatory minimum of 20%, while the core capital to risk-weighted assets ratio stood at 21.8%, well above regulatory requirements. Core capital has now surpassed KES 10 billion, enabling the Group to meet revised regulatory capital requirements four years ahead of the 2029 deadline.
Also Read: HF Group Plc Reports Strong Q3 2025 Performance, Profit Before Tax Surges 265%
