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Heartland Group Holdings Ltd. (HGH) Stock Price & Analysis

HGH Stock Chart & Stats

NZ$1.25-NZ$0.00(-0.40%)
At close: 4:45 PM GMT+13
NZ$1.2NZ$1.225NZ$1.25NZ$1.275Aug 17Aug 31Sep 14Sep 28Oct 12Oct 27Nov 9
Dayā€™s Range
NZD 1.25 - NZD 1.26
52-Week Range
NZD 1.02 - NZD 1.30
Previous Close
NZD 1.26
Volume
N/A
Average Volume (3M)
426.43K
Market Cap
NZD 1.19B
Enterprise Value
NZD 1.57B
Total Cash (Recent Filing)
NZD 385.27M
Total Debt (Recent Filing)
NZD 804.79M
Price to Earnings (P/E)
12.7
Beta
1.03
Next Earnings
Mar 01, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Aug 27, 2026
Dividend Yield
6.56%

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 Heartlandā€™s specialist lending capabilities with TSBā€™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

HGH FAQ

What was Heartland Group Holdings Ltd.ā€™s price range in the past 12 months?
Heartland Group Holdings Ltd. lowest stock price was NZ$1.02 and its highest was NZ$1.30 in the past 12 months.
What is Heartland Group Holdings Ltd.ā€™s market cap?
Heartland Group Holdings Ltd.ā€™s market cap is NZ$1.19B.
When is Heartland Group Holdings Ltd.ā€™s upcoming earnings report date?
The companyā€™s upcoming earnings report date is not yet available.
How were Heartland Group Holdings Ltd.ā€™s earnings last quarter?
Heartland Group Holdings Ltd. released its earnings results on Aug 19, 2026. The company reported NZ$0.047 earnings per share for the quarter.
Is Heartland Group Holdings Ltd. overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Heartland Group Holdings Ltd. pay dividends?
Heartland Group Holdings Ltd. pays a dividend of NZ$0.041 which represents an annual dividend yield of 6.56%. See more information on Heartland Group Holdings Ltd. dividends here
What is Heartland Group Holdings Ltd.ā€™s EPS estimate?
Heartland Group Holdings Ltd.ā€™s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Heartland Group Holdings Ltd. have?
Heartland Group Holdings Ltd. has 945,207,000 shares outstanding.
What happened to Heartland Group Holdings Ltd.ā€™s price movement after its last earnings report?
Heartland Group Holdings Ltd. reported an EPS of NZ$0.047 in its last earnings report. Following the earnings report the stock price went up 2.456%.
Which hedge fund is a major shareholder of Heartland Group Holdings Ltd.?
Currently, no hedge funds are holding shares in NZ:HGH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stockā€™s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology