Helia GroupASX:HLI +1.08%69 ROE % is 21.79% as of Dec. 2025, which is 96% above its 10-year median of 11.12. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$4.01 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, Helia Group ranks better than 85.26% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Helia Group's annualized net income for the quarter that ended in Dec. 2025 was A$222.4 Mil. Helia Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$1,020.5 Mil. Therefore, Helia Group's annualized ROE % for the quarter that ended in Dec. 2025 was 21.79%.
The historical rank and industry rank for Helia Group's ROE % or its related term are showing as below:
ASX:HLI'
s ROE % Range Over the Past 10 Years
Min: -7.38 Med: 11.12 Max: 23.54
Current: 23.54
During the past 12 years, Helia Group's highest ROE % was 23.54%. The lowest was -7.38%. And the median was 11.12%.
ASX:HLI's ROE % is ranked better than 85.26% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs ASX:HLI: 23.54
Helia Group (ASX:HLI) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Helia Group ROE % Related Terms
Helia Group ROE % Historical Data
* Premium members only.
The historical data trend for Helia Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's ROE % distribution charts can be found below:
* The bar in red indicates where Helia Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Helia Group (ASX:HLI) has a ROE % of 21.79% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Helia Group and its competitors. This is 96% above median its historical median of 11.12. According to the industry distribution chart, Helia Group ranks #74 out of 502 companies in the Insurance industry, placing it in the top 14.7%.
Is Helia Group's ROE % too high?
Helia Group's current ROE % of 21.79% is 96% above median its 10-year median of 11.12. The Insurance industry median ROE % is 11.73. Helia Group's value of 21.79% is 85.8% above this industry median. Based on the distribution chart, Helia Group ranks #74 out of 502 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 ROE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #74 out of 502 companies for ROE %. This places Helia Group in the top 15% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Helia Group's value of 21.79% is 85.8% above this benchmark. While the company's 10-year median is 11.12 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current ROE % of 21.79% is 85.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Helia Group and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current ROE % is 21.79%, which is 96% above median its own 10-year median of 11.12. 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 ROE % is 21.79%, which is 96% above median its 10-year median of 11.12 and 85.8% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current ROE % is 21.79% 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:
ROE %: 21.79% (96% above median its 10-year median of 11.12)
GF Value™: A$4.01 vs. price of A$5.59 (39.4% above fair value)
Industry Position: 85.8% above the Insurance median (#74 of 502)
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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