HF Group has reported a profit before tax of KES 1.61 billion for the financial year ended 2025, marking a remarkable 250% increase from KES 0.46 billion recorded in 2024, in a performance that underscores strong operational execution and revenue growth.
The impressive results were driven by robust operating income, supported by increased net interest income, sustained growth in non-funded revenue streams, expansion of the deposit base, and improved operational efficiency across the Group.
Strong Growth Across Key Metrics
The Group recorded a 17% year-on-year growth in total assets, rising to KES 82.4 billion, reflecting growing customer confidence and improved market activity.
Customer deposits also grew significantly by 19% to KES 56.9 billion, driven by enhanced value propositions and stronger customer engagement. Notably, HF Group reduced its cost of deposits by 130 basis points, highlighting improved funding efficiency.
Total operating income rose by 48% to KES 6.17 billion, supported by growth across both funded and non-funded income streams:
- Net interest income increased by 64% to KES 4.36 billion
- Non-funded income grew by 20% to KES 1.81 billion
- Income from government securities surged by 79% to KES 2.83 billion
Leadership Commentary
According to CEO , the results reflect the success of the Group’s transformation strategy.
“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.”
He added that the Group is now focused on scaling digital platforms, expanding financial solutions, and deepening customer relationships to sustain long-term growth.
Strong Capital and Liquidity Position
HF Group maintained a solid financial footing, with a liquidity ratio of 51.5%, more than double the regulatory minimum of 20%.
The core capital to risk-weighted assets ratio stood at 21.8%, well above required thresholds, with core capital surpassing KES 10 billion—positioning the Group to meet revised regulatory requirements four years ahead of the 2029 deadline.
Outlook
With strengthened fundamentals, diversified revenue streams, and a clear digital growth strategy, HF Group is well-positioned to sustain its upward trajectory.
The FY2025 performance signals not just a rebound, but a structural shift toward long-term profitability and resilience in Kenya’s competitive financial services sector.