HF Group made a lot of money, KES 1.61 billion.

HF Group PLC’s profit before tax for the financial year ending December 31, 2025, climbed to KES 1.61 billion. This marks a remarkable increase from the KES 0.46 billion reported in 2024.

The financial services provider, listed on the Nairobi Securities Exchange, credited its remarkable expansion to a strategic transformation that unfolded over several years.
The group has aggressively pivoted from its traditional mortgage-lending roots toward a “full-service” banking model. This shift saw net interest income surge by 63% and non-funded income rise by 29% over the period, bolstered by increased efficiency and a lower cost of funds.

​”The group is on a strong growth trajectory, and our business is expanding across all subsidiaries,” said Robert Kibaara, HF Group Chief Executive Officer. “Our diversification strategy is yielding results, and the growth engines we have built over the past few years are now scaling effectively to deliver value to our shareholders.”

​The Group’s balance sheet also saw significant expansion, with total assets growing by 22% to cross the KES 80 billion mark by the end of 2025. Customer deposits rose 20% to KES 55 billion, a trend market analysts suggest reflects growing depositor confidence following the group’s oversubscribed rights issue concluded earlier in the year.

​Furthermore, the banking subsidiary’s official upgrade to a Tier II bank in 2025 provided the necessary capital headroom to scale its retail and SME lending operations. The Group maintained a robust liquidity ratio of 54.2%, more than double the regulatory requirement of 20%, ensuring a solid cushion against market volatility.

Entering the second quarter of 2026, the company is poised to intensify its focus on digital transformation and affordable housing initiatives. HF Group is determined to stay competitive in a tough economy, even though it has cut its base lending rate twice in the last financial year and wants to keep making money.