Home loan provider RHG (RHG) posted a fall in full-year profit and said it expects future years' profits to be materially lower as its mortgage book is now closed.
The group's net profit attributable to members fell 25.5% to $30.3 million in fiscal 2013, from $40.7 million in the prior year.
Its revenue dropped 19.7% to $59.6 million in the year, compared with $74.2 million in the previous corresponding period.
RHG has not declared a final dividend.
During the financial year it paid one dividend of 10 cents per share on October 15 2012, and another of 9 cents per share on April 10 2013, for a total payout of 19 cents.
RHG is currently the target of competing takeover bids from Pepper Australia and Resimac.
The company's share price fell half a cent to 48.5 cents at 1249 AEST.