HGH Stock Financial Analysis - Heartland Group Holdings Limited (NZSE) Stock

Overview

Heartland Group Holdings Limited, based in New Zealand, operates predominantly in the financial services sector with a focus on banking and finance solutions. The company's structure facilitates specialized offerings across different markets, including business, rural, and household finance, as well as online savings and investment products. A hallmark of Heartland Group’s strategic endeavors includes its Heartland Bank subsidiary, which provides a range of banking services tailored to personal and commercial needs, and has a significant presence in online and mobile banking platforms. The company is notable for its involvement in innovative projects like digital lending platforms which streamline loan applications and approvals, positioning it as a leader in harnessing technology to enhance financial accessibility.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Heartland Group Holdings Limited as of 30 June 2025 is 250.75 MM.
The operating income for Heartland Group Holdings Limited as of 30 June 2025 is 67.81 MM.
The net income for Heartland Group Holdings Limited as of 30 June 2025 is 38.81 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	250.75	67.81	38.81
2025-03-31	240.10	66.78	39.69
2024-12-31	229.46	65.75	40.56
2024-09-30	236.69	87.90	57.55
2024-06-30	243.93	110.06	74.55
2024-03-31	246.30	116.56	79.68
2023-12-31	248.67	123.05	84.81
2023-09-30	255.37	131.36	90.34
2023-06-30	262.07	139.67	95.87
2023-03-31	263.08	143.32	96.07
2022-12-31	264.10	146.97	96.27
2022-09-30	258.94	144.97	95.70
2022-06-30	253.79	142.96	95.12
2022-03-31	245.72	136.17	92.79
2021-12-31	237.64	129.38	90.45
2021-09-30	236.93	128.62	88.74
2021-06-30	236.21	127.86	87.03
2021-03-31	226.64	120.40	81.61
2020-12-31	217.07	112.93	76.20
2020-09-30	211.50	108.26	74.08

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	0.05	0.05
2024-09-30	0.07	0.07
2024-06-30	0.10	0.10
2024-03-31	0.11	0.11
2023-12-31	0.12	0.12
2023-09-30	0.13	0.13
2023-06-30	0.14	0.14
2023-03-31	0.15	0.15
2022-12-31	0.15	0.15
2022-09-30	0.16	0.16
2022-06-30	0.16	0.16
2022-03-31	0.16	0.16
2021-12-31	0.15	0.15
2021-09-30	0.15	0.15
2021-06-30	0.15	0.15
2021-03-31	0.14	0.14
2020-12-31	0.13	0.13
2020-09-30	0.13	0.12

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Heartland Group Holdings Limited as of 30 June 2025 is 77.51 MM.
The cash from investing activities for Heartland Group Holdings Limited as of 30 June 2025 is 304.93 MM.
The cash from financing activities for Heartland Group Holdings Limited as of 30 June 2025 is -658.70 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	77.51	304.93	-658.70
2025-03-31	94.57	231.12	-341.24
2024-12-31	55.74	161.29	-3.34
2024-09-30	-84.05	21.12	376.63
2024-06-30	-223.84	-119.05	756.61
2024-03-31	-240.11	-118.56	482.60
2023-12-31	-200.49	-122.07	188.14
2023-09-30	-234.15	-92.56	256.78
2023-06-30	-267.80	-63.05	325.43
2023-03-31	-428.31	-108.66	623.06
2022-12-31	-588.82	-154.27	920.70
2022-09-30	-629.31	-124.23	906.56
2022-06-30	-669.80	-94.20	892.42
2022-03-31	-606.58	16.62	681.60
2021-12-31	-543.37	127.44	470.78
2021-09-30	-404.12	71.58	377.55
2021-06-30	-264.87	15.71	284.31
2021-03-31	-146.64	-67.45	215.21
2020-12-31	-28.41	-150.61	146.10
2020-09-30	-79.58	-101.40	200.86

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Heartland Group Holdings Limited as of 30 June 2025 is 17.76.
The p/book for Heartland Group Holdings Limited as of 30 June 2025 is 0.59.
The p/tbv for Heartland Group Holdings Limited as of 30 June 2025 is 0.77.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	17.76	0.59	0.77
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Heartland Group Holdings Limited as of 30 June 2025 is 0.03.
The ebit (3y)/ev for Heartland Group Holdings Limited as of 30 June 2025 is 0.05.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.03	0.05
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Heartland Group Holdings Limited as of 30 June 2025 is 0.00.
The roe for Heartland Group Holdings Limited as of 30 June 2025 is 0.03.
The roic for Heartland Group Holdings Limited as of 30 June 2025 is 0.02.
The croic for Heartland Group Holdings Limited as of 30 June 2025 is 0.08.
The ocroic for Heartland Group Holdings Limited as of 30 June 2025 is 0.02.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.00	0.03	0.02	0.08	0.02
2025-03-31	0.00	0.03	0.02	0.08	0.02
2024-12-31	0.01	0.04	0.02	0.12	-0.07
2024-09-30	0.01	0.06	0.02	0.12	-0.07
2024-06-30	0.01	0.08	0.02	-0.03	-0.10
2024-03-31	0.01	0.08	0.02	-0.03	-0.10
2023-12-31	0.01	0.09	0.03	-0.01	-0.12
2023-09-30	0.01	0.12	0.03	0.00	-0.14
2023-06-30	0.01	0.12	0.03	0.00	-0.14
2023-03-31	0.01	0.12	0.03	0.03	-0.15
2022-12-31	0.02	0.12	0.03	0.04	-0.17
2022-09-30	0.02	0.12	0.03	0.04	-0.17
2022-06-30	0.02	0.12	0.03	0.04	-0.20
2022-03-31	0.02	0.12	0.04	0.03	-0.23
2021-12-31	0.02	0.12	0.03	0.02	-0.21
2021-09-30	0.02	0.12	0.03	0.02	-0.15
2021-06-30	0.02	0.12	0.04	0.01	-0.11
2021-03-31	0.02	0.12	0.03	0.00	-0.06
2020-12-31	0.01	0.11	0.04	-0.02	-0.01
2020-09-30	0.01	0.11	0.03	0.01	-0.04

Gross Margins

The gross margin for Heartland Group Holdings Limited as of 30 June 2025 is 1.00.
The net margin for Heartland Group Holdings Limited as of 30 June 2025 is 0.18.
The operating margin for Heartland Group Holdings Limited as of 30 June 2025 is 0.31.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.18	0.31
2025-03-31	1.00	0.18	0.31
2024-12-31	1.00	0.31	0.45
2024-09-30	1.00	0.31	0.45
2024-06-30	1.00	0.34	0.49
2024-03-31	1.00	0.34	0.49
2023-12-31	1.00	0.37	0.53
2023-09-30	1.00	0.37	0.53
2023-06-30	1.00	0.37	0.53
2023-03-31	1.00	0.37	0.54
2022-12-31	1.00	0.37	0.56
2022-09-30	1.00	0.37	0.56
2022-06-30	1.00	0.37	0.56
2022-03-31	1.00	0.38	0.55
2021-12-31	1.00	0.38	0.54
2021-09-30	1.00	0.37	0.54
2021-06-30	1.00	0.37	0.54
2021-03-31	1.00	0.36	0.53
2020-12-31	1.00	0.35	0.52
2020-09-30	1.00	0.35	0.51

AU:HGH	A$0.84
DE:73X	€0.46