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Heartland Group Holdings (HGH) briefings
Read that company's published results in release order, newest first.
Heartland Group Holdings (HGH)HY26Released 26 February 2026
NPAT rebuilt to NZ$48.8m as the NZ lending reset rolls off
The n/m headline NPAT lift is recovery from a depressed comparable; underlying NPAT of NZ$46.1m and ROE of 7.8% set the cleaner read.
Published 21 April 2026
Read briefingHeartland Group Holdings (HGH)FY25Released 21 August 2025
PBT collapsed 45.3% as one-offs and provisions swamped 11.1% revenue growth
Revenue grew solidly but a surge in impairments, acquisition-related costs, and a portfolio reset crushed statutory earnings, leaving underlying NPAT
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)HY25Released 27 February 2025
NPAT collapsed 90.4% on one-off charges, dividend halved to 2 cents
Reported NPAT of NZ$3.6m versus underlying NZ$10.7m and a 500% NPAT payout ratio leave the dividend reliant on retained earnings, not current profit.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)FY24Released 29 August 2024
PBT fell 22.0% on near-flat revenue as impairment charges bit hard
Revenue growth of just 0.2% left no buffer when provisions surged, driving a 22.0% PBT decline and compressing ROE to 6.0% from 9.3%.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)HY24Released 27 February 2024
Heartland revenue fell 2.0%, snapping a ~10% growth pattern; PBT down 23.8%
Net operating income contracted despite 4.2% receivables growth, pointing to material net interest margin compression ahead of Challenger integration.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)FY23Released 29 August 2023
PBT down 2.2% while ROE fell to 9.3% on NIM compression
Flat headline NPAT reflects a lower effective tax rate, masking underlying margin pressure and weaker returns on the expanded equity base.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)HY23Released 28 February 2023
Revenue +10.2% but NPAT just +2.5% as tax step-up and bigger equity base bite
PBT grew 6.3% on stronger margins, but a 29.5% effective tax rate and 30.5% equity expansion drove ROE down to 9.6% from 12.2%.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)FY22Released 23 August 2022
PBT up 15.5% but NPAT growth held to 9.3% by higher tax rate
Net operating income grew 11.7% and PBT expansion outpaced it, while the effective tax rate rose to 30.6% from 26.6%, narrowing the NPAT result.
Published 22 April 2026
Read briefingHeartland Group Holdings (HGH)HY22Released 22 February 2022
NPAT +7.7% as lending growth lifts borrowings 32.6%
Underlying earnings progress is modest and clean, but a NZ$449m step-up in borrowings and deeply negative operating cash define the period.
Published 22 April 2026
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