Heartland Group Holdings (FRA:73X) Scaled Net Operating Assets: 0.07 (As of Dec. 2025)


FRA:73X Heartland Group Holdings Ltd FRA:73X
47 GF Score
Price €0.55
GF Value €0.50
Valuation Fairly Valued
! 6 Warning Signs
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What is Heartland Group Holdings Scaled Net Operating Assets?

Heartland Group Holdings FRA:73X +0.92% 47 Scaled Net Operating Assets is 0.07 as of Dec. 2025. GuruFocus rates FRA:73X with a GF Score™ of 47/100 and a GF Value™ of €0.50 (Fairly Valued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Heartland Group Holdings's operating assets for the quarter that ended in Dec. 2025 was €3,756.9 Mil. Heartland Group Holdings's operating liabilities for the quarter that ended in Dec. 2025 was €3,442.4 Mil. Heartland Group Holdings's Total Assets for the quarter that ended in Jun. 2025 was €4,524.6 Mil. Therefore, Heartland Group Holdings's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.07.

FRA:73X
47GF Score
Heartland Group Holdings Ltd FRA:73X
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Heartland Group Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Heartland Group Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(4193.692-3447.361)/5299.038
=0.14

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4524.646 - 330.954
=4193.692

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3886.796 - 149.436 - 289.999
=3447.361

Heartland Group Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(3756.933-3442.386)/4524.646
=0.07

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4342.664 - 585.731
=3756.933

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3724.238 - 274.115 - 7.737
=3442.386

* 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 Scaled Net Operating Assets of 0.07 mean?
Heartland Group Holdings (FRA:73X) has a Scaled Net Operating Assets of 0.07 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Heartland Group Holdings and its competitors.
Is Heartland Group Holdings' Scaled Net Operating Assets too high?
Heartland Group Holdings' current Scaled Net Operating Assets is 0.07. Overall, Heartland Group Holdings has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' Scaled Net Operating Assets compare to PNC and USB?
Heartland Group Holdings' Scaled Net Operating Assets of 0.07 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Heartland Group Holdings and its competitors. Heartland Group Holdings's current Scaled Net Operating Assets is 0.07. 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 Fairly Valued. The stock's GF Value™ is €0.50, compared to a current price of €0.55 — trading 10% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Heartland Group Holdings' overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Heartland Group Holdings (FRA:73X), the current Scaled Net Operating Assets is 0.07 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 €0.55 is trading 10% above its estimated GF Value™ of €0.50. GuruFocus considers Heartland Group Holdings to be Fairly Valued.

Key valuation signals for FRA:73X:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: €0.50 vs. price of €0.55 (10% above fair value)
  • GF Score™: 47/100 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.
47GF Score

Get the complete analysis for FRA:73X

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.55
Price
€0.50
GF Value