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Heartland Group
Heartland Group (HGH) investor relations material
Heartland Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary25 Feb, 2026
Executive summary
Net profit after tax for H1 FY26 was NZD 48.8 million, a significant turnaround from the prior year, with underlying NPAT of NZD 46.1 million and underlying ROE up 540 basis points to 7.3%.
Average NIM expanded 51 basis points to 3.92%, and cost to income ratio reduced by 304 basis points to 54.6%.
Strong Reverse Mortgage growth in both New Zealand and Australia, supported by technology investment and NSA realization.
Interim dividend declared at NZD 0.035 per share, up NZD 0.015 from H1 FY25, with a payout ratio of 72%.
Substantial progress in divesting non-strategic assets and focusing on core lending portfolios.
Financial highlights
Net operating income increased by NZD 15.4 million year-over-year; net interest income rose to $165.9 million from $149.1 million.
Impairment expense ratio dropped to 0.35%, a reduction of 105 basis points year-over-year; impaired asset expense fell to $12.8 million from $50.5 million.
Cost to income (CTI) ratio reduced to 54.6%; underlying EPS was 4.9 cps, up 4.5 cps year-over-year.
Aggregate receivables grew AUD 157 million, 4.3% annualized; total assets grew to $8.81 billion.
Earnings per share increased to 5.20 cents from 0.40 cents year-over-year.
Outlook and guidance
Affirmed FY26 guidance for underlying ROE of at least 7% and underlying NPAT of at least NZD 85 million.
NZ Banking NPAT expected to exceed $45 million, AU Banking NPAT to exceed AU$37 million (NZ$40 million).
NIM and asset quality improvements support positive adjustments to FY26 impairment expense ratio guidance.
Group continues to focus on simplifying its portfolio and redeploying capital into higher-return core lending.
Regulatory capital requirements for the banking group will be reduced effective 1 March 2026.
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Next Heartland Group earnings date
Investor Day 20264 Jun, 2026
Heartland Group
Next Heartland Group earnings date
Investor Day 20264 Jun, 2026
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Frequently asked questions
Heartland Group Holdings Limited is a financial services company in New Zealand that provides a range of banking, lending, and insurance solutions. The company focuses on niche financial products, including reverse mortgages, motor vehicle loans, livestock finance, and personal and business loans, primarily serving retail, rural, and small-to-medium enterprise (SME) clients. Heartland Group emphasizes accessible financial products tailored to specific customer needs, with services delivered through digital and traditional banking channels. The company is headquartered in Auckland, New Zealand, and its shares are listed on the NZX and ASX.
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