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Heartland Group HoldingsASX:HGH +1.75%44 5-Year Yield-on-Cost % is 3.19 as of Jul. 26, 2026, which is 24% below its 10-year median of 4.19. GuruFocus rates ASX:HGH with a GF Score™ of 44/100 and a GF Value™ of A$0.92 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,252 Banks companies, Heartland Group Holdings ranks worse than 65.26% on this metric.
The historical rank and industry rank for Heartland Group Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:HGH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.27 Med: 4.19 Max: 9.19
Current: 3.19
During the past 13 years, Heartland Group Holdings's highest Yield on Cost was 9.19. The lowest was 1.27. And the median was 4.19.
ASX:HGH's 5-Year Yield-on-Cost % is ranked worse than 65.26% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs ASX:HGH: 3.19
Heartland Group Holdings (ASX:HGH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Heartland Group Holdings 5-Year Yield-on-Cost % Related Terms
ASX:HGH vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Heartland Group Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Heartland Group Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Heartland Group Holdings's 5-Year Yield-on-Cost % falls into.
Heartland Group Holdings 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Heartland Group Holdings (ASX:HGH) has a 5-Year Yield-on-Cost % of 3.19 as of Jul. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Heartland Group Holdings and its competitors. This is 24% below median its historical median of 4.19. Over the past decade, Heartland Group Holdings' 5-Year Yield-on-Cost % has ranged from 1.27 to 9.19. According to the industry distribution chart, Heartland Group Holdings ranks #817 out of 1252 companies in the Banks industry, placing it in the top 65.3%.
Is Heartland Group Holdings' 5-Year Yield-on-Cost % too high?
Heartland Group Holdings' current 5-Year Yield-on-Cost % of 3.19 is 24% below median its 10-year median of 4.19. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 9.19. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Heartland Group Holdings' value of 3.19 is 17.7% below this industry median. Based on the distribution chart, Heartland Group Holdings ranks #817 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, Heartland Group Holdings has a GF Score™ of 44/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Heartland Group Holdings' 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Heartland Group Holdings ranks #817 out of 1252 companies for 5-Year Yield-on-Cost %. This places Heartland Group Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Heartland Group Holdings' value of 3.19 is 17.7% below this benchmark. Historically, Heartland Group Holdings' own 5-Year Yield-on-Cost % has ranged from 1.27 to 9.19 over the past decade. While the company's 10-year median is 4.19 vs. the industry median of 3.88, Heartland Group Holdings has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Heartland Group Holdings's current 5-Year Yield-on-Cost % of 3.19 is 17.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Heartland Group Holdings and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Heartland Group Holdings's current 5-Year Yield-on-Cost % is 3.19, which is 24% below median its own 10-year median of 4.19. 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 Modestly Overvalued. The stock's GF Value™ is A$0.92, compared to a current price of A$1.02 — trading 10.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.19, which is 24% below median its 10-year median of 4.19 and 17.7% below the Banks industry median of 3.88. Heartland Group Holdings' overall GF Score™ is 44/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Heartland Group Holdings (ASX:HGH), the current 5-Year Yield-on-Cost % is 3.19 as of Jul. 26, 2026. 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$1.02 is trading 10.6% above its estimated GF Value™ of A$0.92.
GuruFocus considers Heartland Group Holdings to be Modestly Overvalued.
Key valuation signals for ASX:HGH:
5-Year Yield-on-Cost %: 3.19 (24% below median its 10-year median of 4.19)
GF Value™: A$0.92 vs. price of A$1.02 (10.6% above fair value)
Industry Position: 17.7% below the Banks median (#817 of 1252)
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 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.
44GF Score
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