HGH.NZ
HoldSecond WindHeartland Group Holdings Limited · Financial Services · New Zealand · $675M
NZD 1.24 -1.2% · close 5 Oct · scored 6 Oct
StockRank down 1.5 since 3 Oct.
Second Wind: Cheap and rising again, but the business does not yet earn the optimism.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT HEARTLAND GROUP HOLDINGS LIMITED
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Heartland Group Holdings Limited, together with its subsidiaries, provides various financial services in New Zealand and Australia. It operates through Motor, Reverse Mortgages, Personal Lending, Business, Rural, Australian Banking Group, and Other segments.
FINANCIAL SUMMARY (NZD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 264.3M | 282.1M | 288.5M | 319.1M | 6.5% | 327.8M | 349.7M | 373.4M | 5.4% |
| EPS (NZD) | 0.16 | 0.14 | 0.10 | 0.04 | -36.0% | 0.10 | 0.05 | 0.05 | 9.3% |
| Shares | 607.1M | 726.7M | 930.6M | 940.1M | +54.8% | 945.2M | — | — | — |
| Debt | 2.6B | 2.5B | 2.1B | 839.8M | -31.3% | 819.9M | — | — | — |
| Equity | 808.7M | 1.0B | 1.2B | 1.2B | 14.7% | — | — | — | — |
| Op CF | -262.3M | 42.7M | 928.4M | 673.2M | 297.1% | -196.9M | — | — | — |
| Inv CF | -94.2M | -78.2M | -253.4M | 304.2M | — | — | — | — | — |
| Fin CF | 484.9M | 37.7M | -358.6M | -1.2B | — | — | — | — | — |
Calmer than 82% of stocks we rank over the past year (25% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HGH.NZ are excluded.
Peer medians: ROE 17.2% · P/E 11.9x · Gross margin 41.7%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.