Helia GroupSTU:0GI0 -2.40%58 PB Ratio is 1.54 as of Jul. 13, 2026, which is 100% above its 10-year median of 0.77. GuruFocus rates STU:0GI0 with a GF Score™ of 58/100 and a GF Value™ of €2.32 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 500 Insurance companies, Helia Group ranks worse than 53.8% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-13), Helia Group's share price is €3.26. Helia Group's Book Value per Share for the quarter that ended in Dec. 2025 was €2.12. Hence, Helia Group's PB Ratio of today is 1.54.
Warning Sign:
Helia Group Ltd stock PB Ratio (=1.51) is close to 10-year high of 1.61.
The historical rank and industry rank for Helia Group's PB Ratio or its related term are showing as below:
STU:0GI0'
s PB Ratio Range Over the Past 10 Years
Min: 0.36 Med: 0.77 Max: 1.61
Current: 1.51
During the past 12 years, Helia Group's highest PB Ratio was 1.61. The lowest was 0.36. And the median was 0.77.
STU:0GI0's PB Ratio is ranked worse than 53.8% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs STU:0GI0: 1.51
During the past 12 months, Helia Group's average Book Value Per Share Growth Rate was -5.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -2.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.60% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Helia Group was 4.10% per year. The lowest was -16.80% per year. And the median was -1.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Helia Group PB Ratio Related Terms
Helia Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Helia Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Helia Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Helia Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Helia Group (STU:0GI0) has a PB Ratio of 1.54 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Helia Group and its competitors. This is 100% above median its historical median of 0.77. Over the past decade, Helia Group's PB Ratio has ranged from 0.36 to 1.61. According to the industry distribution chart, Helia Group ranks #269 out of 500 companies in the Insurance industry, placing it in the top 53.8%.
Is Helia Group's PB Ratio too high?
Helia Group's current PB Ratio of 1.54 is 100% above median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 1.61. The Insurance industry median PB Ratio is 1.40. Helia Group's value of 1.54 is 10.4% above this industry median. Based on the distribution chart, Helia Group ranks #269 out of 500 companies in the Insurance industry, which is below the industry midpoint. Overall, Helia Group has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helia Group's PB Ratio compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #269 out of 500 companies for PB Ratio. This places Helia Group in the lower half of its industry. The industry median PB Ratio is 1.40. Helia Group's value of 1.54 is 10.4% above this benchmark. Historically, Helia Group's own PB Ratio has ranged from 0.36 to 1.61 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current PB Ratio of 1.54 is 10.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Helia Group and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current PB Ratio is 1.54, which is 100% above median its own 10-year median of 0.77. 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 (STU:0GI0) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.32, compared to a current price of €3.26 — trading 40.5% above its estimated fair value. The current PB Ratio is 1.54, which is 100% above median its 10-year median of 0.77 and 10.4% above the Insurance industry median of 1.40. Helia Group's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Helia Group (STU:0GI0), the current PB Ratio is 1.54 as of Jul. 13, 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 Helia Group (STU:0GI0) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of €3.26 is trading 40.5% above its estimated GF Value™ of €2.32.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for STU:0GI0:
PB Ratio: 1.54 (100% above median its 10-year median of 0.77)
GF Value™: €2.32 vs. price of €3.26 (40.5% above fair value)
Industry Position: 10.4% above the Insurance median (#269 of 500)
No single metric tells the full story. See the STU:0GI0 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.
58GF Score
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