This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Heartland Group Holdings's Median PS Value or its related term are showing as below:
FRA:73X's Price-to-Median-PS-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Heartland Group Holdings (FRA:73X) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Heartland Group Holdings's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.57
/
0.00
=
* 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 Median PS Value Related Terms
Heartland Group Holdings Median PS Value 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 Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Heartland Group Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.18.
* 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 Median PS Value of €0.00 as of Jun. 28, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Heartland Group Holdings and its competitors. According to the industry distribution chart, Heartland Group Holdings ranks #999999 out of 1043 companies in the Banks industry.
Is Heartland Group Holdings' Median PS Value too high?
Heartland Group Holdings' current Median PS Value is €0.00. Based on the distribution chart, Heartland Group Holdings ranks #999999 out of 1043 companies in the Banks industry, which is in the bottom quartile 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' Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #999999 out of 1043 companies for Median PS Value. This places Heartland Group Holdings in the lower half of its industry. The industry median Median PS Value is 1.11. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current Median PS Value is €0.00. 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 €0.53, compared to a current price of €0.57 — trading 7.5% above its estimated fair value. The current Median PS Value is €0.00. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Heartland Group Holdings (FRA:73X), the current Median PS Value is €0.00 as of Jun. 28, 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 (FRA:73X) Overvalued in 2026?
Based on GuruFocus' analysis, Heartland Group Holdings stock appears to be overvalued.
The current stock price of €0.57 is trading 7.5% above its estimated GF Value™ of €0.53.
GuruFocus considers Heartland Group Holdings to be Modestly Overvalued.
Key valuation signals for FRA:73X:
Median PS Value: €0.00
GF Value™: €0.53 vs. price of €0.57 (7.5% above fair value)
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
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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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