EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Heartland Group Holdings's Enterprise Value is A$1,171.7 Mil.
Heartland Group Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$680.9 Mil. Therefore, Heartland Group Holdings's EV-to-FCF for today is 1.72.
The historical rank and industry rank for Heartland Group Holdings's EV-to-FCF or its related term are showing as below:
ASX:HGH'
s EV-to-FCF Range Over the Past 10 Years
Min: -118.98 Med: -7.09 Max: 174.08
Current: 1.9
During the past 13 years, the highest EV-to-FCF of Heartland Group Holdings was 174.08. The lowest was -118.98. And the median was -7.09.
ASX:HGH's EV-to-FCF is ranked better than 70.99% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs ASX:HGH: 1.90
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Heartland Group Holdings (ASX:HGH) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Heartland Group Holdings's PE Ratio (TTM) for today is calculated as:
Heartland Group Holdings's share price for today is A$1.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Heartland Group Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Heartland Group Holdings EV-to-FCF Related Terms
Heartland Group Holdings EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's EV-to-FCF falls into.
Heartland Group Holdings's current Enterprise Value is A$1,171.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Heartland Group Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$680.9 Mil.
* 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 EV-to-FCF of 1.72 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Heartland Group Holdings and its competitors. According to the industry distribution chart, Heartland Group Holdings ranks #347 out of 1196 companies in the Banks industry, placing it in the top 29%.
Is Heartland Group Holdings' EV-to-FCF too high?
Heartland Group Holdings' current EV-to-FCF is 1.72. The Banks industry median EV-to-FCF is 6.57. Heartland Group Holdings' value of 1.72 is 73.8% below this industry median. Based on the distribution chart, Heartland Group Holdings ranks #347 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Heartland Group Holdings has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #347 out of 1196 companies for EV-to-FCF. This puts Heartland Group Holdings in the upper half of its industry. The industry median EV-to-FCF is 6.57. Heartland Group Holdings' value of 1.72 is 73.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current EV-to-FCF of 1.72 is 73.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current EV-to-FCF is 1.72. 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$0.92, compared to a current price of A$1.00 — trading 8.7% above its estimated fair value. The current EV-to-FCF is 1.72 and 73.8% below the Banks industry median of 6.57. Heartland Group Holdings' overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current EV-to-FCF is 1.72 as of Jul. 05, 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 8.7% above its estimated GF Value™ of A$0.92.
GuruFocus considers Heartland Group Holdings to be Fairly Valued.
Key valuation signals for ASX:HGH:
EV-to-FCF: 1.72
GF Value™: A$0.92 vs. price of A$1.00 (8.7% above fair value)
Industry Position: 73.8% below the Banks median (#347 of 1196)
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.
49GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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