FMP
Heartland Group Holdings Limited
HGH.NZ
NZE
Heartland Group Holdings Limited operates as the bank holding company for Heartland Bank Limited that provides various financial services in New Zealand and Australia. The company offers savings accounts, term deposits, and direct and business call accounts. It also provides home loans, business loans, term loans, revolving credit, business finance guarantee schemes, reverse mortgages, car loans, rural loans, seasonal finance products, livestock and capital livestock finance products, and farm transition loans. In addition, it offers internet and mobile banking services; and management and insurance services. Further, the company engages in investment property holding business. The company was founded in 1875 and is based in Auckland, New Zealand.
1.04 NZD
0.01 (0.962%)
EBIT (Operating profit)(Operating income)(Operating earning) = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) EBIT = (1*) (2*) -> operating process (leverage -> interest -> EBT -> tax -> net Income) EBITDA = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) + Depreciation + amortization EBITA = (1*) (2*) (3*) (4*) company's CURRENT operating profitability (i.e., how much profit it makes with its present assets and its operations on the products it produces and sells, as well as providing a proxy for cash flow) -> performance of a company (1*) discounting the effects of interest payments from different forms of financing (by ignoring interest payments), (2*) political jurisdictions (by ignoring tax), collections of assets (by ignoring depreciation of assets), and different takeover histories (by ignoring amortization often stemming from goodwill) (3*) collections of assets (by ignoring depreciation of assets) (4*) different takeover histories (by ignoring amortization often stemming from goodwill)
