Heartland Group Holdings Ltd. (73X) Stock Price & Analysis
73X Stock Chart & Stats
- Day’s Range
- EUR 0.58 - EUR 0.58
- 52-Week Range
- EUR 0.47 - EUR 0.68
- Previous Close
- EUR 0.57
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 599.64M
- Enterprise Value
- EUR 1.57B
- Total Cash (Recent Filing)
- EUR 385.27M
- Total Debt (Recent Filing)
- EUR 804.79M
- Price to Earnings (P/E)
- 12.7
- Beta
- 0.21
- Next Earnings
- Mar 01, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 7.18%
Bulls Say, Bears Say
Bulls Say
Strong FY2026 Earnings Recovery And Lending Growth
The sharp FY2026 profit rebound, supported by growth across reverse mortgage and rural lending, indicates improving earnings momentum and customer demand. If portfolio expansion and stronger asset quality persist, Heartland can build a broader recurring earnings base over the next several quarters.
Material Deleveraging Strengthens Balance-sheet Resilience
A substantial reduction in debt-to-equity alongside continued equity and asset growth improves financial resilience and capital flexibility. Lower leverage can reduce balance-sheet risk, support funding capacity, and give management more room to absorb stress or invest in sustainable lending opportunities.
TSB Merger Could Expand Scale And Product Diversification
Combining Heartland’s specialist lending capabilities with TSB’s residential mortgages and transactional banking could broaden products, customers, funding sources, and national reach. Greater scale may improve competitive positioning and create a stronger platform for technology investment and future growth.
Bears Say
Persistently Negative And Volatile Cash Conversion
Negative operating and free cash flow in most reported years, including 2026, shows that accounting earnings are not consistently converting into cash. This volatility can complicate liquidity planning, restrict internally funded growth, and leave the bank more reliant on funding markets or balance-sheet actions.
Profitability Remains Sensitive And Returns Are Moderate
Although profitability remains positive, margin variability and a moderate ROE indicate that returns are sensitive to credit, funding, and operating conditions. A less consistent earnings profile can limit the predictability of capital generation and make sustained improvement dependent on favorable portfolio and funding outcomes.
RBNZ Review Creates Regulatory And Completion Risk For TSB Merger
The independent regulatory review introduces uncertainty around the proposed transaction because completion remains subject to regulatory clearances and potential findings. If material issues emerge, Heartland could face delays, added integration or remediation demands, or a weaker strategic outcome from the expansion plan.
Heartland Group Holdings Ltd. News
73X FAQ
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Company Description
Heartland Group Holdings Ltd.
Heartland Group Holdings Limited serves as the parent entity for Heartland Bank Limited, delivering a diverse range of financial products and services across both New Zealand and Australia. The company offers various deposit accounts, including savings, fixed-term, and both direct and commercial call options. Its lending portfolio is extensive, covering residential mortgages, business finance, term credit, revolving facilities, government-guaranteed business loans, reverse mortgages, vehicle financing, and specialized rural products such as seasonal and livestock funding, alongside farm transition loans. Additionally, Heartland provides digital banking solutions through internet and mobile platforms, as well as management and insurance services. The group also holds interests in investment properties. Founded in 1875, the company is headquartered in Auckland, New Zealand.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Andrew Peter Dixson
- Employees
- 612
- Website
- www.heartlandgroup.info
- Address
- 35 Teed Street, Auckland, AU, 1023, NZ
Heartland Group Holdings Ltd. (73X) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 17 | 4 | 1 |
| Technical Analysis | 5 | 4 | 1 |
| Moving Averages | 12 | 0 | 0 |