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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Helia Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 2.75%.
The industry rank for Helia Group's 3-Year RORE % or its related term are showing as below:
ASX:HLI's 3-Year RORE % is ranked worse than 62.98% of 470
companies
in the Insurance industry
Industry Median: 12.05
vs ASX:HLI: 2.75
Helia Group (ASX:HLI) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Helia Group 3-Year RORE % Related Terms
Helia Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Helia Group's 3-Year RORE % 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.
ASX:HLI vs FNF, AXS, FAF: 3-Year RORE % Comparison
For the Insurance - Specialty subindustry, Helia Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Helia Group's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Helia Group (ASX:HLI) has a 3-Year RORE % of 2.75 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Helia Group and its competitors. According to the industry distribution chart, Helia Group ranks #296 out of 470 companies in the Insurance industry, placing it in the top 63%.
Is Helia Group's 3-Year RORE % too high?
Helia Group's current 3-Year RORE % is 2.75. The Insurance industry median 3-Year RORE % is 12.05. Helia Group's value of 2.75 is 77.2% below this industry median. Based on the distribution chart, Helia Group ranks #296 out of 470 companies in the Insurance industry, which is below the industry midpoint. 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 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #296 out of 470 companies for 3-Year RORE %. This places Helia Group in the lower half of its industry. The industry median 3-Year RORE % is 12.05. Helia Group's value of 2.75 is 77.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 12.05, based on 470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helia Group's current 3-Year RORE % of 2.75 is 77.2% below 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Helia Group and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current 3-Year RORE % is 2.75. 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$3.94, compared to a current price of A$5.56 — trading 41.1% above its estimated fair value. The current 3-Year RORE % is 2.75 and 77.2% below the Insurance industry median of 12.05. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current 3-Year RORE % is 2.75 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$5.56 is trading 41.1% above its estimated GF Value™ of A$3.94.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
3-Year RORE %: 2.75
GF Value™: A$3.94 vs. price of A$5.56 (41.1% above fair value)
Industry Position: 77.2% below the Insurance median (#296 of 470)
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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