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Helia GroupFRA:0GI0 -1.81%70 Return-on-Tangible-Equity is 22.05% as of Dec. 2025, which is 97% above its 10-year median of 11.20. GuruFocus rates FRA:0GI0 with a GF Score™ of 70/100 and a GF Value™ of €2.29. The stock has 5 warning signs investors should review. Among 497 Insurance companies, Helia Group ranks better than 75.86% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Helia Group's annualized net income for the quarter that ended in Dec. 2025 was €126.2 Mil. Helia Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €572.4 Mil. Therefore, Helia Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 22.05%.
The historical rank and industry rank for Helia Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:0GI0'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -7.46 Med: 11.2 Max: 23.75
Current: 23.75
During the past 12 years, Helia Group's highest Return-on-Tangible-Equity was 23.75%. The lowest was -7.46%. And the median was 11.20%.
FRA:0GI0's Return-on-Tangible-Equity is ranked better than 75.86% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs FRA:0GI0: 23.75
Helia Group (FRA:0GI0) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Helia Group Return-on-Tangible-Equity Related Terms
Helia Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Helia Group's Return-on-Tangible-Equity 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.
FRA:0GI0 vs FNF, AXS, FAF: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, Helia Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Helia Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 22.05% mean?
Helia Group (FRA:0GI0) has a Return-on-Tangible-Equity of 22.05% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Helia Group and its competitors. This is 97% above median its historical median of 11.20. According to the industry distribution chart, Helia Group ranks #120 out of 497 companies in the Insurance industry, placing it in the top 24.1%.
Is Helia Group's Return-on-Tangible-Equity too high?
Helia Group's current Return-on-Tangible-Equity of 22.05% is 97% above median its 10-year median of 11.20. The Insurance industry median Return-on-Tangible-Equity is 13.32. Helia Group's value of 22.05% is 65.5% above this industry median. Based on the distribution chart, Helia Group ranks #120 out of 497 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 70/100, reflecting its overall financial health beyond just this single metric.
How does Helia Group's Return-on-Tangible-Equity compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #120 out of 497 companies for Return-on-Tangible-Equity. This places Helia Group in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. Helia Group's value of 22.05% is 65.5% above this benchmark. While the company's 10-year median is 11.20 vs. the industry median of 13.32, 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current Return-on-Tangible-Equity of 22.05% is 65.5% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Helia Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current Return-on-Tangible-Equity is 22.05%, which is 97% above median its own 10-year median of 11.20. 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?
Helia Group (FRA:0GI0) has a current Return-on-Tangible-Equity of 22.05%. The stock's GF Value™ is €2.29, compared to a current price of €3.26 — trading 42.4% above its estimated fair value. The current Return-on-Tangible-Equity is 22.05%, which is 97% above median its 10-year median of 11.20 and 65.5% above the Insurance industry median of 13.32. Helia Group's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Helia Group (FRA:0GI0), the current Return-on-Tangible-Equity is 22.05% 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 (FRA:0GI0) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of €3.26 is trading 42.4% above its estimated GF Value™ of €2.29.
Key valuation signals for FRA:0GI0:
Return-on-Tangible-Equity: 22.05% (97% above median its 10-year median of 11.20)
GF Value™: €2.29 vs. price of €3.26 (42.4% above fair value)
Industry Position: 65.5% above the Insurance median (#120 of 497)
No single metric tells the full story. See the FRA: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.
70GF Score
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