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Helia GroupASX:HLI -0.39%69 5-Year Yield-on-Cost % is 38.71 as of Jul. 30, 2026, which is 8% below its 10-year median of 41.94. GuruFocus rates ASX:HLI with a GF Score™ of 69/100 and a GF Value™ of A$3.93 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 419 Insurance companies, Helia Group ranks better than 99.05% on this metric.
Helia Group's yield on cost for the quarter that ended in Dec. 2025 was 38.71.
The historical rank and industry rank for Helia Group's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:HLI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 10.07 Med: 41.94 Max: 83.75
Current: 38.71
During the past 12 years, Helia Group's highest Yield on Cost was 83.75. The lowest was 10.07. And the median was 41.94.
ASX:HLI's 5-Year Yield-on-Cost % is ranked better than 99.05% of 419
companies
in the Insurance industry
Industry Median: 3.87
vs ASX:HLI: 38.71
Helia Group (ASX:HLI) 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.
Helia Group 5-Year Yield-on-Cost % Related Terms
ASX:HLI vs FNF, AXS, FAF: 5-Year Yield-on-Cost % Comparison
For the Insurance - Specialty subindustry, Helia Group'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.
Helia Group 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Helia Group's 5-Year Yield-on-Cost % falls into.
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.
Therefore, Yield-on-Cost of Helia Group is calculated as
Helia Group (ASX:HLI) has a 5-Year Yield-on-Cost % of 38.71 as of Jul. 30, 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 Helia Group and its competitors. This is near median its historical median of 41.94. Over the past decade, Helia Group's 5-Year Yield-on-Cost % has ranged from 10.07 to 83.75. According to the industry distribution chart, Helia Group ranks #4 out of 419 companies in the Insurance industry, placing it in the top 1%.
Is Helia Group's 5-Year Yield-on-Cost % too high?
Helia Group's current 5-Year Yield-on-Cost % of 38.71 is near median its 10-year median of 41.94. Over the past 10 years, this metric has ranged from a low of 10.07 to a high of 83.75. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. Helia Group's value of 38.71 is 900.3% above this industry median. Based on the distribution chart, Helia Group ranks #4 out of 419 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 5-Year Yield-on-Cost % compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #4 out of 419 companies for 5-Year Yield-on-Cost %. This places Helia Group in the top 1% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. Helia Group's value of 38.71 is 900.3% above this benchmark. Historically, Helia Group's own 5-Year Yield-on-Cost % has ranged from 10.07 to 83.75 over the past decade. While the company's 10-year median is 41.94 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.87, based on 419 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. Helia Group's current 5-Year Yield-on-Cost % of 38.71 is 900.3% 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 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 Helia Group and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current 5-Year Yield-on-Cost % is 38.71, which is near median its own 10-year median of 41.94. 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$3.93, compared to a current price of A$5.14 — trading 30.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 38.71, which is near median its 10-year median of 41.94 and 900.3% above the Insurance industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Helia Group (ASX:HLI), the current 5-Year Yield-on-Cost % is 38.71 as of Jul. 30, 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 Helia Group (ASX:HLI) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of A$5.14 is trading 30.8% above its estimated GF Value™ of A$3.93.
GuruFocus considers Helia Group to be Significantly Overvalued.
Key valuation signals for ASX:HLI:
5-Year Yield-on-Cost %: 38.71 (near median its 10-year median of 41.94)
GF Value™: A$3.93 vs. price of A$5.14 (30.8% above fair value)
Industry Position: 900.3% above the Insurance median (#4 of 419)
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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