HGH.NZ
BuySecond WindFLAGHeartland Group Holdings Limited · Financial Services · New Zealand · $675M · Avg Vol: $380K/d
Second Wind: Cheap and rising again, but the business does not yet earn the optimism.
Insufficient evidence for a screen-pass. Heartland Group Holdings Limited: fails the quant gate on quality (Q48/V60/M60; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
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% | 329.0M | 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% | 823.1M | — | — | — |
| Equity | 808.7M | 1.0B | 1.2B | 1.2B | 14.7% | — | — | — | — |
| Op CF | -262.3M | 42.7M | 928.4M | 673.2M | 297.1% | -197.7M | — | — | — |
| Inv CF | -94.2M | -78.2M | -253.4M | 304.2M | — | — | — | — | — |
| Fin CF | 484.9M | 37.7M | -358.6M | -1.2B | — | — | — | — | — |
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 11.8x · Gross margin 41.7%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.