Heartland Group Holdings (ASX:HGH) ROE % Adjusted to Book Value: 8.05% (As of Dec. 2025)


ASX:HGH Heartland Group Holdings Ltd ASX:HGH
49 GF Score
Price A$0.99
GF Value A$0.91
Valuation Fairly Valued
! 6 Warning Signs
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What is Heartland Group Holdings ROE % Adjusted to Book Value?

Heartland Group Holdings ASX:HGH 49 ROE % Adjusted to Book Value is 8.05% as of Dec. 2025. GuruFocus rates ASX:HGH with a GF Score™ of 49/100 and a GF Value™ of A$0.91 (Fairly Valued). The stock has 6 warning signs investors should review.

Heartland Group Holdings's ROE % for the quarter that ended in Dec. 2025 was 7.81%. Heartland Group Holdings's PB Ratio for the quarter that ended in Dec. 2025 was 0.97. Heartland Group Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 8.05%.


Heartland Group Holdings ROE % Adjusted to Book Value Related Terms


Heartland Group Holdings ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Heartland Group Holdings's ROE % Adjusted to Book Value 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.

Heartland Group Holdings ROE % Adjusted to Book Value Chart

Heartland Group Holdings Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.52 8.98 9.18 9.05 5.10

Heartland Group Holdings Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.04 8.95 0.77 9.53 8.05

ASX:HGH vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Heartland Group Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Heartland Group Holdings ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Heartland Group Holdings's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Heartland Group Holdings's ROE % Adjusted to Book Value falls into.


ASX:HGH
49GF Score
Heartland Group Holdings Ltd ASX:HGH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Heartland Group Holdings ROE % Adjusted to Book Value Calculation

Heartland Group Holdings's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=3.16% / 0.62
=5.10%

Heartland Group Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.81% / 0.97
=8.05%

* 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.

What does a ROE % Adjusted to Book Value of 8.05% mean?
Heartland Group Holdings (ASX:HGH) has a ROE % Adjusted to Book Value of 8.05% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Heartland Group Holdings and its competitors.
Is Heartland Group Holdings' ROE % Adjusted to Book Value too high?
Heartland Group Holdings' current ROE % Adjusted to Book Value is 8.05%. Overall, Heartland Group Holdings has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' ROE % Adjusted to Book Value compare to PNC and USB?
Heartland Group Holdings' ROE % Adjusted to Book Value of 8.05% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Heartland Group Holdings and its competitors. Heartland Group Holdings's current ROE % Adjusted to Book Value is 8.05%. 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 (ASX:HGH) is currently considered Fairly Valued. The stock's GF Value™ is A$0.91, compared to a current price of A$0.99 — trading 8.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 8.05%. Heartland Group Holdings' overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current ROE % Adjusted to Book Value is 8.05% 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 Heartland Group Holdings (ASX:HGH) Overvalued in 2026?

Based on GuruFocus' analysis, Heartland Group Holdings stock appears to be overvalued. The current stock price of A$0.99 is trading 8.2% above its estimated GF Value™ of A$0.91. GuruFocus considers Heartland Group Holdings to be Fairly Valued.

Key valuation signals for ASX:HGH:

  • ROE % Adjusted to Book Value: 8.05%
  • GF Value™: A$0.91 vs. price of A$0.99 (8.2% above fair value)
  • GF Score™: 49/100 with 6 warning signs

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


Heartland Group Holdings Business Description

Other Exchanges HGH:New Zealand73X:Germany
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.
49GF Score

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

A$0.99
Price
A$0.91
GF Value