Helios UnderwritingLSE:HUW 65 ROE % is 18.40% as of Dec. 2025, which is 530% above its 10-year median of 2.92. GuruFocus rates LSE:HUW with a GF Score™ of 65/100 and a GF Value™ of £2.68 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 505 Insurance companies, Helios Underwriting ranks better than 50.69% on this metric.
The historical rank and industry rank for Helios Underwriting's ROE % or its related term are showing as below:
LSE:HUW'
s ROE % Range Over the Past 10 Years
Min: -3.19 Med: 2.92 Max: 16.48
Current: 11.77
During the past 13 years, Helios Underwriting's highest ROE % was 16.48%. The lowest was -3.19%. And the median was 2.92%.
LSE:HUW's ROE % is ranked better than 50.69% of 505
companies
in the Insurance industry
Industry Median: 11.66
vs LSE:HUW: 11.77
Helios Underwriting (LSE:HUW) 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.
Helios Underwriting ROE % Related Terms
Helios Underwriting ROE % Historical Data
* Premium members only.
The historical data trend for Helios Underwriting'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 - Diversified subindustry, Helios Underwriting'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.
Helios Underwriting ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helios Underwriting's ROE % distribution charts can be found below:
* The bar in red indicates where Helios Underwriting'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.
Helios Underwriting (LSE:HUW) has a ROE % of 18.40% 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 Helios Underwriting and its competitors. This is 530% above median its historical median of 2.92. According to the industry distribution chart, Helios Underwriting ranks #249 out of 505 companies in the Insurance industry, placing it in the top 49.3%.
Is Helios Underwriting's ROE % too high?
Helios Underwriting's current ROE % of 18.40% is 530% above median its 10-year median of 2.92. The Insurance industry median ROE % is 11.66. Helios Underwriting's value of 18.40% is 57.8% above this industry median. Based on the distribution chart, Helios Underwriting ranks #249 out of 505 companies in the Insurance industry, which is above the industry midpoint. Overall, Helios Underwriting has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Helios Underwriting's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helios Underwriting ranks #249 out of 505 companies for ROE %. This puts Helios Underwriting in the upper half of its industry. The industry median ROE % is 11.66. Helios Underwriting's value of 18.40% is 57.8% above this benchmark. While the company's 10-year median is 2.92 vs. the industry median of 11.66, Helios Underwriting 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 11.66, based on 505 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. Helios Underwriting's current ROE % of 18.40% is 57.8% 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 Helios Underwriting and its competitors. For the Insurance industry, the median ROE % is 11.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helios Underwriting's current ROE % is 18.40%, which is 530% above median its own 10-year median of 2.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helios Underwriting stock overvalued right now?
Based on GuruFocus' analysis, Helios Underwriting (LSE:HUW) is currently considered Modestly Undervalued. The stock's GF Value™ is £2.68, compared to a current price of £2.12 — trading 21.1% below its estimated fair value. The current ROE % is 18.40%, which is 530% above median its 10-year median of 2.92 and 57.8% above the Insurance industry median of 11.66. Helios Underwriting's overall GF Score™ is 65/100 with 3 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 Helios Underwriting (LSE:HUW), the current ROE % is 18.40% 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 Helios Underwriting (LSE:HUW) Overvalued in 2026?
Based on GuruFocus' analysis, Helios Underwriting stock appears to be undervalued.
The current stock price of £2.12 is trading 21.1% below its estimated GF Value™ of £2.68.
GuruFocus considers Helios Underwriting to be Modestly Undervalued.
Key valuation signals for LSE:HUW:
ROE %: 18.40% (530% above median its 10-year median of 2.92)
GF Value™: £2.68 vs. price of £2.12 (21.1% below fair value)
Industry Position: 57.8% above the Insurance median (#249 of 505)
No single metric tells the full story. See the LSE:HUW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helios Underwriting PLC provides investors with exposure to the Lloyd's insurance market through an actively managed portfolio of syndicate capacity. The Company's principal activity is to provide a limited liability investment for shareholders through participation in a portfolio of Lloyd's syndicates. It participates in the insurance business as an underwriting member of Lloyd's through wholly owned undertakings and investments in Limited Liability Vehicles (LLVs). The Company also provides syndicate research, advice on syndicate selection, and portfolio curation. Its core business purpose is to offer investors growth and returns from exposure to Lloyd's of London through investment income (dividends) and capital appreciation resulting from increases in NAV per share and share price.
65GF Score
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