Heartland Group Holdings (FRA:73X) ROC %: % (As of Dec. 2025)


FRA:73X Heartland Group Holdings Ltd FRA:73X
46 GF Score
Price €0.58
GF Value €0.50
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Heartland Group Holdings ROC %?

Heartland Group Holdings FRA:73X -0.85% 46 ROC % is % as of Dec. 2025. GuruFocus rates FRA:73X with a GF Score™ of 46/100 and a GF Value™ of €0.50 (Modestly Overvalued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

FRA:73X
46GF Score
Heartland Group Holdings Ltd FRA:73X
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Heartland Group Holdings (FRA:73X) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Heartland Group Holdings and its competitors.
Is Heartland Group Holdings' ROC % too high?
Heartland Group Holdings' current ROC % is %. Overall, Heartland Group Holdings has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' ROC % compare to PNC and USB?
Heartland Group Holdings' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current ROC % is %. 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 (FRA:73X) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.50, compared to a current price of €0.58 — trading 16% above its estimated fair value. The current ROC % is %. Heartland Group Holdings' overall GF Score™ is 46/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Heartland Group Holdings (FRA:73X), the current ROC % is % 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 Heartland Group Holdings (FRA:73X) Overvalued in 2026?

Based on GuruFocus' analysis, Heartland Group Holdings stock appears to be overvalued. The current stock price of €0.58 is trading 16% above its estimated GF Value™ of €0.50. GuruFocus considers Heartland Group Holdings to be Modestly Overvalued.

Key valuation signals for FRA:73X:

  • ROC %: %
  • GF Value™: €0.50 vs. price of €0.58 (16% above fair value)
  • GF Score™: 46/100 with 6 warning signs

No single metric tells the full story. See the FRA:73X stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Heartland Group Holdings Business Description

Address 35 Teed Street, Level 3, Heartland House, 277 Broadway Newmarket, Auckland, NZL, 1023
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.
46GF Score

Get the complete analysis for FRA:73X

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.58
Price
€0.50
GF Value