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Helia GroupASX:HLI +0.39%69 Return-on-Tangible-Asset is 8.25% as of Dec. 2025, which is 64% above its 10-year median of 5.04. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$3.94 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Helia Group ranks better than 87.94% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Helia Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$222.4 Mil. Helia Group's average total tangible assets for the quarter that ended in Dec. 2025 was A$2,696.2 Mil. Therefore, Helia Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 8.25%.
The historical rank and industry rank for Helia Group's Return-on-Tangible-Asset or its related term are showing as below:
ASX:HLI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.02 Med: 5.04 Max: 8.98
Current: 8.84
During the past 12 years, Helia Group's highest Return-on-Tangible-Asset was 8.98%. The lowest was -3.02%. And the median was 5.04%.
ASX:HLI's Return-on-Tangible-Asset is ranked better than 87.94% of 506
companies
in the Insurance industry
Industry Median: 2.745
vs ASX:HLI: 8.84
Helia Group (ASX:HLI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Helia Group Return-on-Tangible-Asset Related Terms
Helia Group Return-on-Tangible-Asset Historical Data
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The historical data trend for Helia Group's Return-on-Tangible-Asset 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.
ASX:HLI vs FNF, AXS, FAF: Return-on-Tangible-Asset Comparison
For the Insurance - Specialty subindustry, Helia Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Helia Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 8.25% mean?
Helia Group (ASX:HLI) has a Return-on-Tangible-Asset of 8.25% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Helia Group and its competitors. This is 64% above median its historical median of 5.04. According to the industry distribution chart, Helia Group ranks #61 out of 506 companies in the Insurance industry, placing it in the top 12.1%.
Is Helia Group's Return-on-Tangible-Asset too high?
Helia Group's current Return-on-Tangible-Asset of 8.25% is 64% above median its 10-year median of 5.04. The Insurance industry median Return-on-Tangible-Asset is 2.75. Helia Group's value of 8.25% is 200.5% above this industry median. Based on the distribution chart, Helia Group ranks #61 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Helia Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helia Group's Return-on-Tangible-Asset compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #61 out of 506 companies for Return-on-Tangible-Asset. This places Helia Group in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.75. Helia Group's value of 8.25% is 200.5% above this benchmark. While the company's 10-year median is 5.04 vs. the industry median of 2.75, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.75, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current Return-on-Tangible-Asset of 8.25% is 200.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Helia Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current Return-on-Tangible-Asset is 8.25%, which is 64% above median its own 10-year median of 5.04. 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 Significantly Overvalued. The stock's GF Value™ is A$3.94, compared to a current price of A$5.16 — trading 31% above its estimated fair value. The current Return-on-Tangible-Asset is 8.25%, which is 64% above median its 10-year median of 5.04 and 200.5% above the Insurance industry median of 2.75. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current Return-on-Tangible-Asset is 8.25% 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$5.16 is trading 31% above its estimated GF Value™ of A$3.94.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
Return-on-Tangible-Asset: 8.25% (64% above median its 10-year median of 5.04)
GF Value™: A$3.94 vs. price of A$5.16 (31% above fair value)
Industry Position: 200.5% above the Insurance median (#61 of 506)
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
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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