Heartland Group Holdings (ASX:HGH) LT-Debt-to-Total-Asset: 0.06 (As of Dec. 2025)

What is Heartland Group Holdings LT-Debt-to-Total-Asset?

Heartland Group Holdings ASX:HGH -0.99% 49 LT-Debt-to-Total-Asset is 0.06 as of Dec. 2025. GuruFocus rates ASX:HGH with a GF Score™ of 49/100 and a GF Value™ of A$0.91 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Heartland Group Holdings's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.06.

Heartland Group Holdings's long-term debt to total assets ratio declined from Dec. 2024 (0.16) to Dec. 2025 (0.06). It may suggest that Heartland Group Holdings is progressively becoming less dependent on debt to grow their business.

Heartland Group Holdings (ASX:HGH) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Heartland Group Holdings LT-Debt-to-Total-Asset Related Terms

Heartland Group Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Heartland Group Holdings's LT-Debt-to-Total-Asset 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.

Heartland Group Holdings LT-Debt-to-Total-Asset Chart

Heartland Group Holdings Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.09

0.06

0.07

0.03

Heartland Group Holdings Semi-Annual Data
	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.31	0.07	0.16	0.03	0.06

49GF Score

Heartland Group Holdings Ltd ASX:HGH

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Heartland Group Holdings LT-Debt-to-Total-Asset Calculation

Heartland Group Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	264.745	/	8015.983
	=	0.03

Heartland Group Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	483.071	/	7653.056
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

Heartland Group Holdings (ASX:HGH) has a LT-Debt-to-Total-Asset of 0.06 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Heartland Group Holdings and its competitors.

Is Heartland Group Holdings' LT-Debt-to-Total-Asset too high?

Heartland Group Holdings' current LT-Debt-to-Total-Asset is 0.06. 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' LT-Debt-to-Total-Asset compare to PNC and USB?

Heartland Group Holdings' LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Heartland Group Holdings and its competitors. Heartland Group Holdings's current LT-Debt-to-Total-Asset is 0.06. 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$0.91, compared to a current price of A$1.00 — trading 9.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current LT-Debt-to-Total-Asset is 0.06 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 (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 9.9% above its estimated GF Value™ of A$0.91. GuruFocus considers Heartland Group Holdings to be Fairly Valued.

Key valuation signals for ASX:HGH:

LT-Debt-to-Total-Asset: 0.06
GF Value™: A$0.91 vs. price of A$1.00 (9.9% above fair value)
GF Score™: 49/100 with 6 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies NZSE:GEN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY HKSE:01658 LSE:NWG TSE:7182

Other Exchanges HGH:New Zealand 73X:Germany

Address 35 Teed Street, Level 3, Heartland House, 277 Broadway Newmarket, Auckland, NZL, 1023

Website https://www.heartland.co.nz

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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A$1.00

Price

A$0.91

GF Value

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