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Helia GroupFRA:0GI0 -0.61%70 3-Year EBITDA Growth Rate is 37.30% as of Jun. 2026, which is 99% above its 10-year median of 18.70. GuruFocus rates FRA:0GI0 with a GF Score™ of 70/100 and a GF Value™ of €2.22. The stock has 3 warning signs investors should review. Among 286 Insurance companies, Helia Group ranks better than 78.32% on this metric.
During the past 12 months, Helia Group's average EBITDA Per Share Growth Rate was -17.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 37.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Helia Group was 39.40% per year. The lowest was -25.20% per year. And the median was 18.70% per year.
Helia Group (FRA:0GI0) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Helia Group 3-Year EBITDA Growth Rate Related Terms
FRA:0GI0 vs FNF, RYAN, FAF: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Specialty subindustry, Helia Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Helia Group's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 37.30% mean?
Helia Group (FRA:0GI0) has a 3-Year EBITDA Growth Rate of 37.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Helia Group and its competitors. This is 99% above median its historical median of 18.70. According to the industry distribution chart, Helia Group ranks #62 out of 286 companies in the Insurance industry, placing it in the top 21.7%.
Is Helia Group's 3-Year EBITDA Growth Rate too high?
Helia Group's current 3-Year EBITDA Growth Rate of 37.30% is 99% above median its 10-year median of 18.70. The Insurance industry median 3-Year EBITDA Growth Rate is 15.20. Helia Group's value of 37.30% is 145.4% above this industry median. Based on the distribution chart, Helia Group ranks #62 out of 286 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 70/100, reflecting its overall financial health beyond just this single metric.
How does Helia Group's 3-Year EBITDA Growth Rate compare to FNF and RYAN?
According to the Insurance industry distribution chart, Helia Group ranks #62 out of 286 companies for 3-Year EBITDA Growth Rate. This places Helia Group in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 15.20. Helia Group's value of 37.30% is 145.4% above this benchmark. While the company's 10-year median is 18.70 vs. the industry median of 15.20, Helia Group has consistently been above 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 15.20, based on 286 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current 3-Year EBITDA Growth Rate of 37.30% is 145.4% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Helia Group and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 15.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current 3-Year EBITDA Growth Rate is 37.30%, which is 99% above median its own 10-year median of 18.70. 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?
Helia Group (FRA:0GI0) has a current 3-Year EBITDA Growth Rate of 37.30%. The stock's GF Value™ is €2.22, compared to a current price of €3.32 — trading 49.5% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 37.30%, which is 99% above median its 10-year median of 18.70 and 145.4% above the Insurance industry median of 15.20. Helia Group's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Helia Group (FRA:0GI0), the current 3-Year EBITDA Growth Rate is 37.30% 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 (FRA:0GI0) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of €3.32 is trading 49.5% above its estimated GF Value™ of €2.22.
Key valuation signals for FRA:0GI0:
3-Year EBITDA Growth Rate: 37.30% (99% above median its 10-year median of 18.70)
GF Value™: €2.22 vs. price of €3.32 (49.5% above fair value)
Industry Position: 145.4% above the Insurance median (#62 of 286)
No single metric tells the full story. See the FRA:0GI0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helia Group Ltd is an Australian specialist insurer focused on residential mortgage lending. It is the country's largest provider of lenders' mortgage insurance (LMI), which protects lenders against loss when a borrower defaults and the sale of a mortgaged property does not cover the outstanding loan balance. LMI is typically required on loans with a loan-to-value ratio above 80 percent; the borrower pays the premium, but the lender is the insured party. Helia also offers related products such as mortgage guarantee and reinsurance arrangements. Its customers are primarily banks, credit unions, and other mortgage lenders across Australia. The company is regulated by the Australian Prudential Regulation Authority, which sets minimum capital requirements. Helia earns revenue mainly from LMI premiums and investment income on its insurance reserves, and it is listed on the Australian Securities Exchange.
70GF Score
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