Helia GroupASX:HLI +1.08%69 ROA % is 8.22% as of Dec. 2025, which is 64% above its 10-year median of 5.02. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$4.01 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 511 Insurance companies, Helia Group ranks better than 89.82% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Helia Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$222.4 Mil.
Helia Group's average Total Assets over the quarter that ended in Dec. 2025 was A$2,705.3 Mil. Therefore, Helia Group's annualized ROA % for the quarter that ended in Dec. 2025 was 8.22%.
The historical rank and industry rank for Helia Group's ROA % or its related term are showing as below:
ASX:HLI'
s ROA % Range Over the Past 10 Years
Min: -3.01 Med: 5.02 Max: 8.95
Current: 8.81
During the past 12 years, Helia Group's highest ROA % was 8.95%. The lowest was -3.01%. And the median was 5.02%.
ASX:HLI's ROA % is ranked better than 89.82% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs ASX:HLI: 8.81
Helia Group (ASX:HLI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Helia Group ROA % Related Terms
Helia Group ROA % Historical Data
* Premium members only.
The historical data trend for Helia Group's ROA % 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.
For the Insurance - Specialty subindustry, Helia Group's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's ROA % distribution charts can be found below:
* The bar in red indicates where Helia Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Helia Group (ASX:HLI) has a ROA % of 8.22% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Helia Group and its competitors. This is 64% above median its historical median of 5.02. According to the industry distribution chart, Helia Group ranks #52 out of 511 companies in the Insurance industry, placing it in the top 10.2%.
Is Helia Group's ROA % too high?
Helia Group's current ROA % of 8.22% is 64% above median its 10-year median of 5.02. The Insurance industry median ROA % is 2.73. Helia Group's value of 8.22% is 201.1% above this industry median. Based on the distribution chart, Helia Group ranks #52 out of 511 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 ROA % compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #52 out of 511 companies for ROA %. This places Helia Group in the top 10% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. Helia Group's value of 8.22% is 201.1% above this benchmark. While the company's 10-year median is 5.02 vs. the industry median of 2.73, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current ROA % of 8.22% is 201.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Helia Group and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current ROA % is 8.22%, which is 64% above median its own 10-year median of 5.02. 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$4.01, compared to a current price of A$5.59 — trading 39.4% above its estimated fair value. The current ROA % is 8.22%, which is 64% above median its 10-year median of 5.02 and 201.1% above the Insurance industry median of 2.73. Helia Group's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current ROA % is 8.22% 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$5.59 is trading 39.4% above its estimated GF Value™ of A$4.01.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
ROA %: 8.22% (64% above median its 10-year median of 5.02)
GF Value™: A$4.01 vs. price of A$5.59 (39.4% above fair value)
Industry Position: 201.1% above the Insurance median (#52 of 511)
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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