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Helia GroupASX:HLI +7.09%76 Debt-to-EBITDA is 0.01 as of Jun. 2026, which is 98% below its 10-year median of 0.66. GuruFocus rates ASX:HLI with a GF Score™ of 76/100 and a GF Value™ of A$5.04 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 323 Insurance companies, Helia Group ranks better than 99.69% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Helia Group's Debt-to-EBITDA or its related term are showing as below:
ASX:HLI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.45 Med: 0.66 Max: 1.65
Current: 0.01
During the past 12 years, the highest Debt-to-EBITDA Ratio of Helia Group was 1.65. The lowest was -1.45. And the median was 0.66.
ASX:HLI's Debt-to-EBITDA is ranked better than 99.69% of 323
companies
in the Insurance industry
Industry Median: 1.21
vs ASX:HLI: 0.01
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Helia Group Debt-to-EBITDA Related Terms
Helia Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Helia Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ASX:HLI vs FNF, AXS, FAF: Debt-to-EBITDA Comparison
For the Insurance - Specialty subindustry, Helia Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Helia Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Helia Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Jun. 2026) EBITDA data.
Helia Group (ASX:HLI) has a Debt-to-EBITDA of 0.01 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Helia Group. This is 98% below median its historical median of 0.66. According to the industry distribution chart, Helia Group ranks #1 out of 323 companies in the Insurance industry, placing it in the top 0.3%.
Is Helia Group's Debt-to-EBITDA too high?
Helia Group's current Debt-to-EBITDA of 0.01 is 98% below median its 10-year median of 0.66. The Insurance industry median Debt-to-EBITDA is 1.21. Helia Group's value of 0.01 is 99.2% below this industry median. Based on the distribution chart, Helia Group ranks #1 out of 323 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Helia Group has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helia Group's Debt-to-EBITDA compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #1 out of 323 companies for Debt-to-EBITDA. This places Helia Group in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.21. Helia Group's value of 0.01 is 99.2% below this benchmark. While the company's 10-year median is 0.66 vs. the industry median of 1.21, Helia Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.21, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current Debt-to-EBITDA of 0.01 is 99.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Helia Group. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current Debt-to-EBITDA is 0.01, which is 98% below median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helia Group stock overvalued right now?
Based on GuruFocus' analysis, Helia Group (ASX:HLI) is currently considered Modestly Overvalued. The stock's GF Value™ is A$5.04, compared to a current price of A$6.04 — trading 19.8% above its estimated fair value. The current Debt-to-EBITDA is 0.01, which is 98% below median its 10-year median of 0.66 and 99.2% below the Insurance industry median of 1.21. Helia Group's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current Debt-to-EBITDA is 0.01 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Helia Group (ASX:HLI) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of A$6.04 is trading 19.8% above its estimated GF Value™ of A$5.04.
GuruFocus considers Helia Group to be Modestly Overvalued.
Key valuation signals for ASX:HLI:
Debt-to-EBITDA: 0.01 (98% below median its 10-year median of 0.66)
GF Value™: A$5.04 vs. price of A$6.04 (19.8% above fair value)
Industry Position: 99.2% below the Insurance median (#1 of 323)
No single metric tells the full story. See the ASX:HLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helia listed on the Australian Securities Exchange in 2014 after its US-based parent, Genworth Financial (NYSE: GNW), sold down its stake. It has since exited. With a history spanning over 50 years, Helia is the largest provider of lenders' mortgage insurance, or LMI, in Australia. In Australia, LMI is predominantly purchased on loans with a loan/value ratio, or LVR, above 80%. LMI protects a lender against a potential loss (gap) between the outstanding loan amount and sale proceeds on a delinquent loan property. LMI does not protect the borrower, however the premium is paid by the borrower. It's regulated by the Australian Prudential Regulation Authority, which requires it to meet minimum regulatory capital requirements.
76GF Score
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