Heartland Group HoldingsASX:HGH 49 PS Ratio is 3.10 as of Jul. 10, 2026, which is 20% below its 10-year median of 3.87. GuruFocus rates ASX:HGH with a GF Score™ of 49/100 and a GF Value™ of A$0.92 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,515 Banks companies, Heartland Group Holdings ranks worse than 59.74% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Heartland Group Holdings's share price is A$0.99.
Heartland Group Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.32. Hence, Heartland Group Holdings's PS Ratio for today is 3.10.
Warning Sign:
Heartland Group Holdings Ltd stock PS Ratio (=3.61) is close to 2-year high of 3.77.
The historical rank and industry rank for Heartland Group Holdings's PS Ratio or its related term are showing as below:
ASX:HGH'
s PS Ratio Range Over the Past 10 Years
Min: 1.92 Med: 3.87 Max: 6.02
Current: 3.43
During the past 13 years, Heartland Group Holdings's highest PS Ratio was 6.02. The lowest was 1.92. And the median was 3.87.
ASX:HGH's PS Ratio is ranked worse than 59.74% of 1515
companies
in the Banks industry
Industry Median: 3
vs ASX:HGH: 3.43
Heartland Group Holdings Ltd revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of Heartland Group Holdings was 1.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -8.00% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -2.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 2.00% per year.
During the past 13 years, Heartland Group Holdings's highest 3-Year average Revenue per Share Growth Rate was 8.50% per year. The lowest was -8.00% per year. And the median was 4.30% per year.
Back to Basics: PS Ratio
Heartland Group Holdings (ASX:HGH) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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.
Heartland Group Holdings PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's PS Ratio distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Heartland Group Holdings's Share Price of today is A$0.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Heartland Group Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.32.
* 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:
Heartland Group Holdings (ASX:HGH) has a PS Ratio of 3.10 as of Jul. 10, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Heartland Group Holdings and its competitors. This is 20% below median its historical median of 3.87. Over the past decade, Heartland Group Holdings' PS Ratio has ranged from 1.92 to 6.02. According to the industry distribution chart, Heartland Group Holdings ranks #905 out of 1515 companies in the Banks industry, placing it in the top 59.7%.
Is Heartland Group Holdings' PS Ratio too high?
Heartland Group Holdings' current PS Ratio of 3.10 is 20% below median its 10-year median of 3.87. Over the past 10 years, this metric has ranged from a low of 1.92 to a high of 6.02. The Banks industry median PS Ratio is 3.00. Heartland Group Holdings' value of 3.10 is 3.3% above this industry median. Based on the distribution chart, Heartland Group Holdings ranks #905 out of 1515 companies in the Banks industry, which is below 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' PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #905 out of 1515 companies for PS Ratio. This places Heartland Group Holdings in the lower half of its industry. The industry median PS Ratio is 3.00. Heartland Group Holdings' value of 3.10 is 3.3% above this benchmark. Historically, Heartland Group Holdings' own PS Ratio has ranged from 1.92 to 6.02 over the past decade. While the company's 10-year median is 3.87 vs. the industry median of 3.00, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.00, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current PS Ratio of 3.10 is 3.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current PS Ratio is 3.10, which is 20% below median its own 10-year median of 3.87. 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$0.92, compared to a current price of A$0.99 — trading 7.6% above its estimated fair value. The current PS Ratio is 3.10, which is 20% below median its 10-year median of 3.87 and 3.3% above the Banks industry median of 3.00. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current PS Ratio is 3.10 as of Jul. 10, 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 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 7.6% above its estimated GF Value™ of A$0.92.
GuruFocus considers Heartland Group Holdings to be Fairly Valued.
Key valuation signals for ASX:HGH:
PS Ratio: 3.10 (20% below median its 10-year median of 3.87)
GF Value™: A$0.92 vs. price of A$0.99 (7.6% above fair value)
Industry Position: 3.3% above the Banks median (#905 of 1515)
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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