Helia GroupASX:HLI +0.18%69 Interest Coverage is 16.08 as of Dec. 2025, which is 5% above its 10-year median of 15.38. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$4.01 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 353 Insurance companies, Helia Group ranks worse than 70.25% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Helia Group's
EBIT
for the
six
months ended in Dec. 2025 was A$168.8 Mil. Helia Group's Interest Expense for the
six
months ended in Dec. 2025 was A$-10.5 Mil.
Helia Group's interest coverage for the quarter that ended in Dec. 2025 was 16.08.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Helia Group's Interest Coverage or its related term are showing as below:
ASX:HLI'
s Interest Coverage Range Over the Past 10 Years
Min: 4.67 Med: 15.38 Max: 27.72
Current: 6.61
ASX:HLI's Interest Coverage is ranked worse than 70.25% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs ASX:HLI: 6.61
Helia Group (ASX:HLI) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Helia Group Interest Coverage Related Terms
Helia Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Helia Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ASX:HLI vs FNF, AXS, FAF: Interest Coverage Comparison
For the Insurance - Specialty subindustry, Helia Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Helia Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
Helia Group (ASX:HLI) has a Interest Coverage of 16.08 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Helia Group and its competitors. This is near median its historical median of 15.38. Over the past decade, Helia Group's Interest Coverage has ranged from 4.67 to 27.72. According to the industry distribution chart, Helia Group ranks #248 out of 353 companies in the Insurance industry, placing it in the top 70.3%.
Is Helia Group's Interest Coverage too high?
Helia Group's current Interest Coverage of 16.08 is near median its 10-year median of 15.38. Over the past 10 years, this metric has ranged from a low of 4.67 to a high of 27.72. The Insurance industry median Interest Coverage is 16.26. Helia Group's value of 16.08 is 1.1% below this industry median. Based on the distribution chart, Helia Group ranks #248 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, Helia Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helia Group's Interest Coverage compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #248 out of 353 companies for Interest Coverage. This places Helia Group in the lower half of its industry. The industry median Interest Coverage is 16.26. Helia Group's value of 16.08 is 1.1% below this benchmark. Historically, Helia Group's own Interest Coverage has ranged from 4.67 to 27.72 over the past decade. While the company's 10-year median is 15.38 vs. the industry median of 16.26, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current Interest Coverage of 16.08 is 1.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Helia Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current Interest Coverage is 16.08, which is near median its own 10-year median of 15.38. 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 Significantly Overvalued. The stock's GF Value™ is A$4.01, compared to a current price of A$5.60 — trading 39.7% above its estimated fair value. The current Interest Coverage is 16.08, which is near median its 10-year median of 15.38 and 1.1% below the Insurance industry median of 16.26. Helia Group's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current Interest Coverage is 16.08 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 Helia Group (ASX:HLI) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of A$5.60 is trading 39.7% above its estimated GF Value™ of A$4.01.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
Interest Coverage: 16.08 (near median its 10-year median of 15.38)
GF Value™: A$4.01 vs. price of A$5.60 (39.7% above fair value)
Industry Position: 1.1% below the Insurance median (#248 of 353)
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.
69GF Score
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