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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Helia Group's retained earnings for the quarter that ended in Dec. 2025 was A$373.5 Mil.
Helia Group's quarterly retained earnings
declined
from Dec. 2024 (A$911.5 Mil) to Jun. 2025 (A$856.1 Mil) and
declined
from Jun. 2025 (A$856.1 Mil) to Dec. 2025 (A$373.5 Mil).
Helia Group's annual retained earnings
increased
from Dec. 2023 (A$862.0 Mil) to Dec. 2024 (A$911.5 Mil) but then
declined
from Dec. 2024 (A$911.5 Mil) to Dec. 2025 (A$373.5 Mil).
Helia Group (ASX:HLI) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Helia Group Retained Earnings Historical Data
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The historical data trend for Helia Group's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of A$373.5 Mil mean?
Helia Group (ASX:HLI) has a Retained Earnings of A$373.5 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Helia Group and its competitors.
Is Helia Group's Retained Earnings too high?
Helia Group's current Retained Earnings is A$373.5 Mil. Overall, Helia Group has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helia Group's Retained Earnings compare to FNF and AXS?
Helia Group's Retained Earnings of A$373.5 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Helia Group and its competitors. Helia Group's current Retained Earnings is A$373.5 Mil. 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 Modestly Overvalued. The stock's GF Value™ is A$3.93, compared to a current price of A$5.02 — trading 27.7% above its estimated fair value. The current Retained Earnings is A$373.5 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current Retained Earnings is A$373.5 Mil 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$5.02 is trading 27.7% above its estimated GF Value™ of A$3.93.
GuruFocus considers Helia Group to be Modestly Overvalued.
Key valuation signals for ASX:HLI:
Retained Earnings: A$373.5 Mil
GF Value™: A$3.93 vs. price of A$5.02 (27.7% above fair value)
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
Get the complete analysis for ASX:HLI
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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