* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's FCF Margin % 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.
Heartland Group Holdings (FRA:73X) has a FCF Margin % of 178.19% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heartland Group Holdings and its competitors. According to the industry distribution chart, Heartland Group Holdings ranks #80 out of 1505 companies in the Banks industry, placing it in the top 5.3%.
Is Heartland Group Holdings' FCF Margin % too high?
Heartland Group Holdings' current FCF Margin % is 178.19%. The Banks industry median FCF Margin % is 26.55. Heartland Group Holdings' value of 178.19% is 571.1% above this industry median. Based on the distribution chart, Heartland Group Holdings ranks #80 out of 1505 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 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #80 out of 1505 companies for FCF Margin %. This places Heartland Group Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Heartland Group Holdings' value of 178.19% is 571.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current FCF Margin % of 178.19% is 571.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current FCF Margin % is 178.19%. 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 (FRA:73X) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.50, compared to a current price of €0.58 — trading 16% above its estimated fair value. The current FCF Margin % is 178.19% and 571.1% above the Banks industry median of 26.55. Heartland Group Holdings' overall GF Score™ is 46/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Heartland Group Holdings (FRA:73X), the current FCF Margin % is 178.19% as of Dec. 2025. 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 (FRA:73X) Overvalued in 2026?
Based on GuruFocus' analysis, Heartland Group Holdings stock appears to be overvalued.
The current stock price of €0.58 is trading 16% above its estimated GF Value™ of €0.50.
GuruFocus considers Heartland Group Holdings to be Modestly Overvalued.
Key valuation signals for FRA:73X:
FCF Margin %: 178.19%
GF Value™: €0.50 vs. price of €0.58 (16% above fair value)
Industry Position: 571.1% above the Banks median (#80 of 1505)
No single metric tells the full story. See the FRA:73X 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.
46GF Score
Get the complete analysis for FRA:73X
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:73X has been successfully added to your 
