# Helios Underwriting Plc (HUW.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Insurance. Price 227p, market value 158 millionp.

## Valuation
- **P/E (trailing): 8.1×** (5-yr avg 847.9×, 3-yr avg 847.9×). Helios Underwriting Plc trades at 8.1× trailing earnings, well below its own five-year average of 847.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.54**. A PEG of 0.54 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.8×**. Each dollar of revenue is priced at 3.8×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 6.5×**. Enterprise value is 6.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 10.0%** (5-yr avg -0.1%). Free cash flow equals 10.0% of the market value, above its five-year average of -0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 12.3%**. The inverse of the P/E: 12.3% of the price is earned each year.

## Profitability
- **Gross margin: 100.0%**. Helios Underwriting Plc keeps 100.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 48.1%**. 48.1% of revenue is left after running the business, an exceptional level.
- **Return on equity: 11.4%**. 11.4% on shareholders' equity is solid.
- **Return on invested capital: 9.3%**. Return on all capital, debt included, is 9.3%.
- **Return on assets: 15.7%**. Each dollar of assets produces 15.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -96.4%** (3-yr -79.4%/yr, 5-yr -52.2%/yr). Revenue fell 96.4% over the last year, against -52.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 12.0%** (5-yr 78.6%/yr). Earnings per share rose 12.0%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: 29 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.06%** (0p per share, trailing). Helios Underwriting Plc yields 3.06%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 35%** (73% of free cash flow). 35% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Shareholder yield: 10.3%**. Dividends plus net buybacks return 10.3% of the market value a year.

## Price and momentum
- **Total return (1 yr): 13.9%** (YTD 11.7%, 3-mo 7.2%). The shares are up 13.9% over twelve months including dividends.
- **From 52-week high: -1.3%** (17.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 83**. An RSI of 83 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): -0.14** (volatility 20%). Beta of -0.14 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HUW.L · Page: https://foliofundamentals.com/stocks/huw.l

Not investment advice.