Helia Group (ASX:HLI) Moat Score: 0/10 (As of Jul. 07, 2026)


ASX:HLI Helia Group Ltd ASX:HLI
71 GF Score
Price A$5.59
GF Value A$3.97
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Helia Group Moat Score?

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

Helia Group 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 Helia Group might have No Moat - No discernible moat.

Helia Group  (ASX:HLI) 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

Helia Group Moat Score Related Terms

ASX:HLI
71GF Score
Helia Group Ltd ASX:HLI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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$5.59 is trading 40.8% above its estimated GF Value™ of A$3.97. GuruFocus considers Helia Group to be Significantly Overvalued.

Key valuation signals for ASX:HLI:

  • Moat Score: 0
  • GF Value™: A$3.97 vs. price of A$5.59 (40.8% above fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Group Business Description

Other Exchanges 0GI0:Germany
Address 101 Miller Street, Level 26, North Sydney, Sydney, NSW, AUS, 2060
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.
71GF Score

Get the complete analysis for ASX:HLI

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

A$5.59
Price
A$3.97
GF Value