Speculating the FY17 guidance is going to be the more fun thing to do. So I'll toss my guess in before the results on Tuesday.
FY17 is going to be the year where they won't be able to keep a lid on the consumer lending NPAT.
Having put some time in on the spreadsheet, I believe they can uplift total NPAT by 19% in FY17 on consumer lending earnings growth alone. Based on assumption of +$50m net lending in FY17 (NPAT will drop if this is higher).
Tip for initial FY17 guidance: NPAT: $49m-52m (EPS: 105-112c).
Upgrades on this to flow throughout the year and will eventually end up doing 20%+ EPS.
Speculating the FY17 guidance is going to be the more fun thing...
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