1. New Zealand Stocks

  2. •

    Finance

  3. •

    Major banks
Heartland Group Holdings Ltd.

Heartland Group Holdings Ltd.

0.58
EUR
-0.02
(-3.33%)
0.02EPS
18.57P/E
374.34MMarket Cap
Mar 01Next Earn
Heartland Group Holdings Ltd.
FRA:73X
(Frankfurt Stock Exchange)

Recent

price

0.58

P/E

ratio

18.57

div

yld

3.55%

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
NZD
0.26
0.26
0.29
0.31
0.33
0.34
-0.23
0.36
0.39
0.41
0.44
0.4
0.38
0.34
- -
Revenue per Share
0.06
0.02
0.09
0.1
0.11
0.12
0.12
0.13
0.12
0.15
0.16
0.14
0.1
0.04
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
0.03
0.03
0.05
0.06
0.06
0.06
0.07
0.08
0.05
0.1
0.09
0.08
0.04
- -
Dividend per Share
0.52
0.51
0.63
0.66
0.69
0.79
1.17
1.21
1.18
1.27
1.12
1.41
1.33
1.3
- -
Book Value per Share
0.49
0.48
0.56
0.59
0.61
0.69
1.04
1.08
1.05
1.15
0.82
1.09
1.03
1.01
- -
Tangible Book Value per Share
383
398
421
478
484
505
551
580
590
597
604
703
757
937
943
Basic Weighted Avg Shares
99
103
123
147
160
174
-125
211
231
247
264
282
288
319
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
11
9
8
8
7
- -
10
13
17
14
14
14
21
- -
Depreciation Expense
24
7
36
48
54
61
68
77
72
87
95
96
75
39
- -
Net Income, GAAP
- -
26.59
29.06
25.14
26.99
28.08
28.4
27.48
27.4
26.6
30.59
28.45
28.69
32.15
- -
Effective Tax Rate (%)
23.96
6.71
29.36
32.85
33.77
34.95
-53.8
36.53
31.15
35.24
35.98
33.98
25.84
12.16
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
3
3
3
25
177
- -
448
521
636
483
612
286
- -
LT Debt
375
371
453
480
498
570
664
706
700
762
809
1,031
1,238
1,219
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
1.05
3.85
3.93
5.43
7.63
7.95
5.7
3.79
3.98
3.29
2.76
2.18
1.45
- -
Return on Capital (%)
- -
1.85
8.76
10.33
11.07
11.39
10.94
11.23
10.24
11.91
12.11
10.42
6.57
3.16
- -
Return on Common Equity (%)

Capital Structure

NZD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

NZD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

NZD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
- -
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

NZD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
288
2025
- -
- -
319
2026
- -
- -
- -

Semi-annual Earnings Per Share

NZD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.1
2025
- -
- -
0.04
2026
- -
- -
- -

Semi-annual Dividends Per Share

NZD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.08
2025
- -
- -
0.04
2026
- -
- -
- -
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Business
Heartland Group Holdings Limited Heartland Group Holdings Limited (NZX/ASX: HGH) operates as a financial services group that provides specialist banking and lending products to individuals, businesses, and farmers across New Zealand and Australia. Founded in 1875 and headquartered in Auckland, New Zealand, the company functions as the holding entity for Heartland Bank Limited, a registered bank in New Zealand, and conducts operations through segments including Motor, Reverse Mortgages, Personal Lending, Business, Rural, Australian Banking Group, and Other. It offers a diverse range of core products and services such as motor vehicle finance; reverse mortgage lending; transactional accounts, home loans, and personal loans to individuals; term debt, plant and equipment finance, commercial mortgage lending, and working capital solutions for small-to-medium enterprises; specialist rural services encompassing livestock finance, rural mortgage lending, seasonal and working capital financing, and farm transition loans; savings accounts, term deposits, and direct and business call accounts; as well as internet and mobile banking, insurance services, and investment property holding activities. Geographically, Heartland Group Holdings Limited maintains a strong presence in New Zealand across household, business, and rural markets, while in Australia it specializes in reverse mortgages, small business lending funding to partners, consumer lending, and livestock finance through brands like Heartland Finance and StockCo Australia. In recent developments, the company completed the acquisition of Challenger Bank Limited from Challenger Limited in April 2024, establishing Heartland Bank Australia as its first Australian authorised deposit-taking institution and integrating it with existing Australian operations for enhanced digital specialist banking capabilities; issued A$50 million in inaugural Tier 2 Subordinated Notes in June 2024 to bolster regulatory capital with Westpac Banking Corporation's assistance; appointed Andrew Dixson as Group CEO effective October 2024 following Jeff Greenslade's retirement after 15 years; named Michelle Winzer as CEO of Heartland Bank Australia in July 2024 and Vaughan Dixon as Chief Technology & Operations Officer; and accelerated digitalisation efforts including a core banking system upgrade in New Zealand to improve customer experience and operational efficiency.