Helia GroupASX:HLI +2.60%69 Net Margin % is 57.11% as of Dec. 2025, which is 46% above its 10-year median of 39.18. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$4.01 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Helia Group ranks better than 95.21% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Helia Group's Net Income for the
six
months ended in Dec. 2025 was A$111.2 Mil. Helia Group's Revenue for the
six
months ended in Dec. 2025 was A$194.7 Mil. Therefore, Helia Group's net margin for the quarter that ended in Dec. 2025 was 57.11%.
The historical rank and industry rank for Helia Group's Net Margin % or its related term are showing as below:
ASX:HLI'
s Net Margin % Range Over the Past 10 Years
Min: -26.4 Med: 39.18 Max: 50.88
Current: 50.88
ASX:HLI's Net Margin % is ranked better than 95.21% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs ASX:HLI: 50.88
Helia Group (ASX:HLI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Helia Group Net Margin % Related Terms
Helia Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Helia Group's Net Margin % 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.
For the Insurance - Specialty subindustry, Helia Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Helia Group's Net Margin % falls into.
* 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 Net Margin % of 57.11% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Helia Group and its competitors. This is 46% above median its historical median of 39.18. According to the industry distribution chart, Helia Group ranks #24 out of 501 companies in the Insurance industry, placing it in the top 4.8%.
Is Helia Group's Net Margin % too high?
Helia Group's current Net Margin % of 57.11% is 46% above median its 10-year median of 39.18. The Insurance industry median Net Margin % is 9.29. Helia Group's value of 57.11% is 514.7% above this industry median. Based on the distribution chart, Helia Group ranks #24 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #24 out of 501 companies for Net Margin %. This places Helia Group in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. Helia Group's value of 57.11% is 514.7% above this benchmark. While the company's 10-year median is 39.18 vs. the industry median of 9.29, Helia Group has consistently been above 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current Net Margin % of 57.11% is 514.7% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Helia Group and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current Net Margin % is 57.11%, which is 46% above median its own 10-year median of 39.18. 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$5.53 — trading 37.9% above its estimated fair value. The current Net Margin % is 57.11%, which is 46% above median its 10-year median of 39.18 and 514.7% above the Insurance industry median of 9.29. Helia Group's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current Net Margin % is 57.11% 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$5.53 is trading 37.9% above its estimated GF Value™ of A$4.01.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
Net Margin %: 57.11% (46% above median its 10-year median of 39.18)
GF Value™: A$4.01 vs. price of A$5.53 (37.9% above fair value)
Industry Position: 514.7% above the Insurance median (#24 of 501)
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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