Helia Group Limited (ASX: HLI) - Financials

- Current share price for HLI : $5.390

Helia Group Limited (HLI) is a provider of lenders mortgage insurance (LMI) in Australia. The company also provides tailored risk and capital management solutions for lender customers in the Australian residential mortgage market that complement's the LMI product offering.

HLI Per Share

Year to Jun	Cashflow	Earnings	Dividends	Franking	Book Value	Average Annual P/E	Relative P/E	Shareholder Return
2025	39.5 ¢	89.2 ¢	126 ¢	71%	$3.74	5.88	42.2%	55.5%
2024	46.3 ¢	79.7 ¢	84 ¢	100%	$3.97	5.18	37.5%	18.8%
2023	-5.5 ¢	85.8 ¢	59 ¢	100%	$3.79	4	29.1%	88%

HLI Historical Financials

	2025	2024	2023
Net Earned Premium ($M)
Claims Expense ($M)	-50.5	-65.2	-82.8
Underwriting Profit ($M)	-50.5	-65.2	-82.8
Net Loss Ratio (%)
Net Expense Ratio (%)
Combined Ratio (%)
Investment Income ($M)	102.5	116.8	103.8
Unrealised Gains & Losses ($M)
Net Profit Before Abs ($M)	244.9	231.5	278.7
Net Profit After Abs ($M)	244.9	231.5	275.1
Income Tax Rate (%)	30.1	29.8	30.3
Employees ($T)	0.2	0.2	0.2
Shareholders Equity ($M)	1,019	1,080.4	1,141.4
Return on Equity (%)	24	21.4	24.4
Payout Ratio (%)	141	105	69

HLI Cashflow

	2025	2024	2023
Premiums Received ($M)	265	215	207
Net Operating Cashflow ($M)	108.4	134.4	-18
Net Investing Cashflow ($M)	324	214	397
Net Financing Cashflow ($M)	-499	-293	-346

HLI Market & Earnings

	2025	2024	2023
Market Cap ($M)	1,499	1,218	1,309
Dividend Yield (%)	22.9	18.8	13.6
NTA Per Share ($)	3.71	3.93	3.76
EBT Before Abs ($M)	350.6	329.8	398.5
Solvency (%)

HLI Balance Sheet

	2025	2024	2023
Cash ($M)	45.7	112.4	57
Receivables ($M)
Investments ($M)
Other Current Assets ($M)	25	24.6	26.7
Total Current Assets ($M)	638.6	748.1	651
Receivables ($M)		4.68	4.8
Investments ($M)	1,861	2,142	2,367
Property, Plant & Equipment ($M)	5.8	8	10.76
Other Non-Current Assets ($M)	34.5	29.4	169.6
Total Non-Current Assets ($M)	1,901	2,184	2,552
Total Assets ($M)	2,540	2,933	3,203
Current Unearned Premium ($M)
Claims Outstanding ($M)
Current Accounts Payable ($M)	18.7	25.9	37.4
Short Term Debt ($M)	5.2	6.79	1.42
Current Provisions ($M)	72.8	59.1	82.3
Other Current Liabilities ($M)
Total Current Liabilities ($M)	96.7	91.8	121
Non-Current Unearned Premium ($M)
Claims Outstanding ($M)
Non-Current Accounts Payable ($M)
Long Term Debt ($M)		189.7	195.9
Non-Current Provisions ($M)	1.4	1.2	1.05
Other Non-Current Liabilities ($M)	1,423	1,569	1,744
Total Non-Current Liabilities ($M)	1,424	1,760	1,941
Total Liabilities ($M)	1,521	1,852	2,062
Net Assets ($M)	1,019	1,080	1,141
Outside Equity ($M)

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