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Heartland Group Holdings (ASX:HGH) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Heartland Group Holdings Equity-to-Asset Related Terms
Heartland Group Holdings Equity-to-Asset Historical Data
* 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.
For the Banks - Regional subindustry, Heartland Group Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Heartland Group Holdings Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's Equity-to-Asset falls into.
Heartland Group Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Heartland Group Holdings's Equity to Asset Ratio for the fiscal year that ended in Jun. 2026 is calculated as
* 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.
Heartland Group Holdings (ASX:HGH) has a Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Heartland Group Holdings and its competitors. This is near median its historical median of 0.14. Over the past decade, Heartland Group Holdings' Equity-to-Asset has ranged from 0.11 to 0.15. According to the industry distribution chart, Heartland Group Holdings ranks #255 out of 1518 companies in the Banks industry, placing it in the top 16.8%.
Is Heartland Group Holdings' Equity-to-Asset too high?
Heartland Group Holdings' current Equity-to-Asset of 0.14 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. Heartland Group Holdings' value of 0.14 is 40% above this industry median. Based on the distribution chart, Heartland Group Holdings ranks #255 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Heartland Group Holdings has a GF Score™ of 43/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #255 out of 1518 companies for Equity-to-Asset. This places Heartland Group Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Heartland Group Holdings' value of 0.14 is 40% above this benchmark. Historically, Heartland Group Holdings' own Equity-to-Asset has ranged from 0.11 to 0.15 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Heartland Group Holdings 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Heartland Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, Heartland Group Holdings (ASX:HGH) is currently considered Fairly Valued. The stock's GF Value™ is A$0.97, compared to a current price of A$1.00 — trading 2.6% above its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.14 and 40% above the Banks industry median of 0.10. Heartland Group Holdings' overall GF Score™ is 43/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current Equity-to-Asset is 0.14 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 Heartland Group Holdings (ASX:HGH) Overvalued in 2026?
Based on GuruFocus' analysis, Heartland Group Holdings stock appears to be overvalued.
The current stock price of A$1.00 is trading 2.6% above its estimated GF Value™ of A$0.97.
GuruFocus considers Heartland Group Holdings to be Fairly Valued.
Key valuation signals for ASX:HGH:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.14)
GF Value™: A$0.97 vs. price of A$1.00 (2.6% above fair value)
Industry Position: 40% above the Banks median (#255 of 1518)
No single metric tells the full story. See the ASX:HGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Heartland Group Holdings Ltd is engaged in the operation of the reverse mortgage. Geographically it operates in both New Zealand and Australia. It offers business loans, rural loans, home loans, car loans , personal lending services and others. Further, it is also involved in saving and deposits activity and also provides internet banking services.
43GF Score
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