Psg Financial Services Limited · JSE:KST
Psg Financial Services — H1 2026 Earnings Presentation
19 slides from Psg Financial Services's earnings presentation, Oct 15, 2026
Slide 1: Unaudited results for the six months ended 31 August 2026
Financial S ervices Unaudited results 2026 for the six months ended 31 August Financial S ervices www.psg.co.za Financial S ervices
Slide 2: Who we are
Who we are We deliver a broad range of financial services and products to individuals and enterprises. We focus on wealth creation, wealth preservation, asset management and insurance. Throughout, we place a strong emphasis on personal service and building lifelong relationships with our clients. Wh
Slide 3: Salient features and contents
Salient features Recurring headline earnings per share 2026 60.9 cents 5% Gross written premium1 2026 R4.2 bn 5% Contents 2025: 58.1 cents 2024: 48.2 cents 2025: R4.0 bn 2024: R3.7 bn Commentary 4 Condensed consolidated statement of financial position 8 Number of advisers Total assets under manageme
Slide 4: Commentary
Commentary Financial results PSG delivered a 5% increase in recurring headline earnings per share and a return on equity of 26.5%. We achieved these results against a challenging operating backdrop, with securities market conditions much PSG Wealth’s recurring headline earnings increased by 14% less
Slide 5: Strategy, capital management and regulatory landscape
Strategy Capital management The team remains focused on running integrated product campaigns designed to drive flows and attract Events after reporting date PSG Wealth offers an innovative and all-inclusive PSG’s capital cover ratio remains strong at 292% (2025: new client leads. This includes the d
Slide 6: Condensed consolidated statement of financial position and income statement
Condensed consolidated statement Condensed consolidated income statement of financial position for the six months ended 31 August and the year ended 28 February 2026 as at 31 August and 28 February 2026 Unaudited Unaudited Audited Unaudited Unaudited as at as at as at Six months Six months Audited 3
Slide 7: Statements of comprehensive income and changes in equity
Condensed consolidated statement Condensed consolidated statement of changes in equity of comprehensive income for the six months ended 31 August and the year ended 28 February 2026 for the six months ended 31 August and the year ended 28 February 2026 Unaudited Unaudited Attributable to equity hold
Slide 8: Statement of cash flows and notes
Condensed consolidated statement of cash flows Notes to the condensed consolidated for the six months ended 31 August and the year ended 28 February 2026 interim financial statements for the six months ended 31 August 2026 Unaudited Unaudited 1. Reporting entity Six months Six months Audited PSG Fin
Slide 9: Segment information: headline earnings per reportable segment
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information 5. Segment information (continued) The composition of the reportable segments represents the internal reporting structure and the monthly reporting 5.2 Headline earnings pe
Slide 10: Segment information: income per reportable segment
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.3 Income per reportable segment 5.4 Income statement (client vs own) In order to evaluate the consolidated income statement
Slide 11: Segment information: income statement (client vs own)
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.4 Income statement (client vs own) (continued) 5.4 Income statement (client vs own) (continued) Linked Linked Total investm
Slide 12: Segment information: divisional income statement
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.5 Divisional income statement 5.5 Divisional income statement (continued) The profit or loss information follows a similar
Slide 13: Divisional income statement and revenue from contracts
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.5 Divisional income statement (continued) 5.6 Revenue from contracts with customers The revenue from contracts with custome
Slide 14: Statement of financial position (client vs own)
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.7 Statement of financial position (client vs own) 5.7 Statement of financial position (client vs own) (continued) In order
Slide 15: Financial position and cash flows (client vs own)
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 5. Segment information (continued) 5.7 Statement of financial position (client vs own) (continued) 5.8 Statement of cash flows (client vs own) In order to assis
Slide 16: Cash flows (client vs own) and investment contracts
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 5. Segment information (continued) 6. Investment contracts 5.8 Statement of cash flows (client vs own) (continued) Investment contracts are represented by the following financial assets: Total IF
Slide 17: Notes to the statement of cash flows and financial risk management
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 7. Notes to the statement of cash flows (continued) 8. Financial risk management 7.2 Net cash outflow from disposal of assets and liabilities held for sale The group’s activities expose it to a v
Slide 18: Financial risk management: fair value estimation
Notes to the condensed consolidated interim financial statements for the six months ended 31 August 2026 8. Financial risk management (continued) 8. Financial risk management (continued) Fair value estimation (continued) Fair value estimation (continued) The table below analyses financial assets and
Slide 19: Corporate information
Notes to the condensed consolidated Corporate information interim financial statements for the six months ended 31 August 2026 8. Financial risk management (continued) Non-executive directors Listings Fair value estimation (continued) L Lambrechts* (Chairperson) Johannesburg Stock Exchange (JSE) The
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