Heartland Group Holdings (ASX:HGH) Moat Score: 0/10 (As of Jul. 06, 2026)


ASX:HGH Heartland Group Holdings Ltd ASX:HGH
49 GF Score
Price A$1.00
GF Value A$0.92
Valuation Fairly Valued
! 6 Warning Signs
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What is Heartland Group Holdings Moat Score?

Heartland Group Holdings has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Heartland Group Holdings has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Heartland Group Holdings might have No Moat - No discernible moat.

Heartland Group Holdings  (ASX:HGH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Heartland Group Holdings Moat Score Related Terms

ASX:HGH
49GF Score
Heartland Group Holdings Ltd ASX:HGH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: A$0.92 vs. price of A$1.00 (8.7% 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

Other Exchanges HGH:New Zealand73X:Germany
Address 35 Teed Street, Level 3, Heartland House, 277 Broadway Newmarket, Auckland, NZL, 1023
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

Get the complete analysis for ASX:HGH

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.00
Price
A$0.92
GF Value