N1 Holdings Limited (ASX:N1H): FY26 Dividend Dates and Lending Results

Aditi Sarkar

21 October 2026 09:16 PM AEDT

N1 Holdings Limited (ASX:N1H): FY26 Dividend Dates and Lending Results

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Highlights

N1 Holdings Limited (ASX:N1H) declared an AUD 0.004 ordinary dividend per share.
The unfranked dividend has an ex-dividend date of 22 October 2026.
The record date is 23 October, with payment scheduled for 6 November 2026.
FY26 revenue reached AUD 21.65 million and net profit after tax was AUD 1.013 million.

N1 Holdings Limited (ASX:N1H) operates in commercial lending, mortgage broking, advisory, fund management, trustee and migration services. The Sydney-based company has declared an ordinary dividend of AUD 0.004 per share for the year ended 30 June 2026. Its updated timetable sets 22 October 2026 as the ex-dividend date and 23 October as the record date, with payment scheduled for 6 November. The dividend is unfranked. These arrangements follow the company's September annual reporting and October amendment to its distribution calendar.

Company Business

N1 Holdings conducts commercial lending and provides mortgage broking, advisory, fund management and trustee services, alongside migration services. The company's FY26 annual report identifies commercial lending as its principal source of income, accounting for 95.9% of group revenue. Mortgage broking includes trail commissions, while advisory and migration services form a smaller reported revenue category.

The group reported commercial lending revenue of AUD 20.77 million in FY26. Mortgage broking generated AUD 619,494, and advisory and migration services together contributed AUD 261,380. N1 Holdings Limited (ASX:N1H) operates within the Australian credit and property-finance environment, where lending terms, collateral assessment and funding availability influence its commercial activities.

Recent Development

In late September 2026, the company announced an ordinary dividend of AUD 0.004 per share relating to the twelve months ended 30 June 2026. An updated ASX notice in early October brought forward the ex-dividend and record dates following a request from its share registry to allow time for reconciliation, banking activities, statement production and payment administration.

The revised notice confirms that N1 Holdings Limited (ASX:N1H) shares trade ex-dividend from 22 October 2026, with the record date following on 23 October. The payment date remains 6 November 2026. The announcement identifies the dividend as 0% franked and specifies no dividend reinvestment plan. Its AUD 0.004 per-share amount is a declared payment, not an estimate.

The FY26 annual report also described the group's lending arrangements. At 30 June 2026, the company reported access to and management of more than AUD 400 million in committed lending capacity, comprising debt and warehouse facilities, private-debt balance-sheet capital and a separately managed mortgage fund.

Financial Performance and Sector Context

For the financial year ended 30 June 2026, N1 Holdings reported revenue of AUD 21.65 million, compared with AUD 19.69 million in FY25, an increase of 9.94%. Net profit after tax rose to AUD 1,013,288 from AUD 855,826. Management EBITDA, the company's disclosed non-IFRS measure, was AUD 1,465,326 against AUD 1,188,463 in FY25.

Commercial lending revenue increased from AUD 19.03 million in FY25 to AUD 20.77 million in FY26. Mortgage broking revenue declined from AUD 629,259 to AUD 619,494. Advisory and migration services revenue increased from AUD 32,170 to AUD 261,380. These figures show differences in the reported performance of the group's individual activities.

N1 Holdings Limited (ASX:N1H) reported net assets of AUD 2.99 million at 30 June 2026, compared with AUD 2.24 million a year earlier. Its annual report listed current assets of AUD 260.21 million and current liabilities of AUD 30.40 million. Funding arrangements, lending yields, credit quality and movements in Australian interest rates remain relevant to its reported results.

Risks to Consider

The FY26 annual report identifies credit, liquidity, funding, compliance and interest-rate risks. Defaults or lower property-collateral values could affect the recovery of commercial loans. Differences between the timing of funding disbursements and repayments could constrain available liquidity. Changes in borrowing costs may affect financing expenses and loan pricing.

N1 Holdings Limited (ASX:N1H) also identifies financial crime, fraud, cybersecurity and market risks. Its activities depend on regulatory compliance, secure information systems and borrowers' repayment capacity. Property conditions and the financial circumstances of small and medium-sized enterprises are among the factors relevant to lending performance.

What to Watch Next

The immediate calendar milestones are the 22 October ex-dividend date, 23 October record date and 6 November payment date. The distribution applies to ordinary fully paid shares, and the declared amount is AUD 0.004 per share without franking credits. N1 Holdings Limited (ASX:N1H) has not included a dividend reinvestment plan in its updated notice.

Subsequent reporting will provide information on lending activity, funding utilisation, credit assessment and operating cash flows. Updates to borrowing facilities and the mix of loan origination channels will also provide context for changes in financial performance. Any future dividends will require separate company decisions and announcements.

Key Insights

N1 Holdings Limited (ASX:N1H) has scheduled an unfranked FY26 dividend of AUD 0.004 per share for payment on 6 November 2026. The updated ex-dividend and record dates are 22 and 23 October. FY26 financial statements recorded higher revenue, net profit and management EBITDA than FY25. The principal operating considerations remain commercial lending, funding availability, credit risk and regulatory obligations.

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