* 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 OCF Margin %, along with its competitors' market caps and OCF 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.
Heartland Group Holdings OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's OCF 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.
Heartland Group Holdings (ASX:HGH) has a OCF Margin % of 179.45% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Heartland Group Holdings and its competitors. According to the industry distribution chart, Heartland Group Holdings ranks #81 out of 1501 companies in the Banks industry, placing it in the top 5.4%.
Is Heartland Group Holdings' OCF Margin % too high?
Heartland Group Holdings' current OCF Margin % is 179.45%. The Banks industry median OCF Margin % is 29.44. Heartland Group Holdings' value of 179.45% is 509.5% above this industry median. Based on the distribution chart, Heartland Group Holdings ranks #81 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Heartland Group Holdings has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #81 out of 1501 companies for OCF Margin %. This places Heartland Group Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Heartland Group Holdings' value of 179.45% is 509.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current OCF Margin % of 179.45% is 509.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current OCF Margin % is 179.45%. 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$0.99 — trading 8.2% above its estimated fair value. The current OCF Margin % is 179.45% and 509.5% above the Banks industry median of 29.44. Heartland Group Holdings' overall GF Score™ is 48/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current OCF Margin % is 179.45% 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$0.99 is trading 8.2% above its estimated GF Value™ of A$0.91.
GuruFocus considers Heartland Group Holdings to be Fairly Valued.
Key valuation signals for ASX:HGH:
OCF Margin %: 179.45%
GF Value™: A$0.91 vs. price of A$0.99 (8.2% above fair value)
Industry Position: 509.5% above the Banks median (#81 of 1501)
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 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.
48GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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