Heartland Group HoldingsASX:HGH 49 Pretax Margin % is 39.21% as of Dec. 2025, which is 18% below its 10-year median of 47.75. GuruFocus rates ASX:HGH with a GF Score™ of 49/100 and a GF Value™ of A$0.91 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Heartland Group Holdings ranks better than 52.88% on this metric.
The historical rank and industry rank for Heartland Group Holdings's Pretax Margin % or its related term are showing as below:
ASX:HGH'
s Pretax Margin % Range Over the Past 10 Years
Min: 17.93 Med: 47.75 Max: 51.84
Current: 35.95
ASX:HGH's Pretax Margin % is ranked better than 52.88% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs ASX:HGH: 35.95
Heartland Group Holdings (ASX:HGH) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Heartland Group Holdings Pretax Margin % Related Terms
Heartland Group Holdings Pretax Margin % Historical Data
* 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's Pretax 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 Pretax Margin % of 39.21% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Heartland Group Holdings and its competitors. This is 18% below median its historical median of 47.75. Over the past decade, Heartland Group Holdings' Pretax Margin % has ranged from 17.93 to 51.84. According to the industry distribution chart, Heartland Group Holdings ranks #720 out of 1528 companies in the Banks industry, placing it in the top 47.1%.
Is Heartland Group Holdings' Pretax Margin % too high?
Heartland Group Holdings' current Pretax Margin % of 39.21% is 18% below median its 10-year median of 47.75. Over the past 10 years, this metric has ranged from a low of 17.93 to a high of 51.84. The Banks industry median Pretax Margin % is 34.72. Heartland Group Holdings' value of 39.21% is 12.9% above this industry median. Based on the distribution chart, Heartland Group Holdings ranks #720 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Heartland Group Holdings has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #720 out of 1528 companies for Pretax Margin %. This puts Heartland Group Holdings in the upper half of its industry. The industry median Pretax Margin % is 34.72. Heartland Group Holdings' value of 39.21% is 12.9% above this benchmark. Historically, Heartland Group Holdings' own Pretax Margin % has ranged from 17.93 to 51.84 over the past decade. While the company's 10-year median is 47.75 vs. the industry median of 34.72, Heartland Group Holdings 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current Pretax Margin % of 39.21% is 12.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current Pretax Margin % is 39.21%, which is 18% below median its own 10-year median of 47.75. 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 Pretax Margin % is 39.21%, which is 18% below median its 10-year median of 47.75 and 12.9% above the Banks industry median of 34.72. Heartland Group Holdings' overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current Pretax Margin % is 39.21% 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:
Pretax Margin %: 39.21% (18% below median its 10-year median of 47.75)
GF Value™: A$0.91 vs. price of A$0.99 (8.2% above fair value)
Industry Position: 12.9% above the Banks median (#720 of 1528)
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.
49GF Score
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