NIB Holdings Ltd (3GU) Price & Analysis

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3GU Stock Chart & Stats

€3.70

€0.00(0.00%)

At close: Jan 08 4:00 PM EST

€3.70

€0.00(0.00%)

Day’s Range― - ―

52-Week Range€3.38 - €4.48

Previous CloseN/A

Volume0.00

Average Volume (3M)4.00

Market Cap

€1.85B

Enterprise Value€3.19B

Total Cash (Recent Filing)€404.60M

Total Debt (Recent Filing)€310.20M

Price to Earnings (P/E)15.1

Beta0.38

Next Earnings

Feb 23, 2026

EPS Estimate

0.13

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.15

Shares Outstanding487,953,520

10 Day Avg. Volume11

30 Day Avg. Volume4

Financial Highlights & Ratios

PEG Ratio2.18

Price to Book (P/B)3.10

Price to Sales (P/S)0.96

P/FCF Ratio30.70

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

€4.49

Price Target Upside21.35% Upside

Rating ConsensusHold

Number of Analyst Covering6

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthA 51.5% revenue increase in the latest year signals substantial top-line expansion and a growing premium base. Sustained revenue growth supports investments in distribution, product development and tech, enabling durable market-share gains and scale benefits over the next 2–6 months.

Balance Sheet StrengthLow leverage (debt/equity 0.28) with ROE near 18% indicates disciplined capital management and efficient use of shareholder funds. This balance sheet flexibility supports reserve management, absorbs claim volatility and enables strategic investment without stressing financial stability.

Cash ConversionA favorable operating cash flow to net income ratio shows strong cash conversion from underwriting and operations. Reliable cash generation underpins dividend funding, reserve strengthening and underwriting cycles, reducing dependence on external financing over the medium term.

Bears Say

Free Cash Flow DeclineA 30.3% drop in free cash flow materially reduces internal funding for capex, M&A and shareholder returns. If the decline persists it tightens financial flexibility, forces greater reliance on investment income or capital markets, and limits the firm's ability to invest in growth initiatives.

Modest Net MarginA 5.6% net profit margin is relatively modest given high gross margins, leaving limited buffer against adverse claims or cost inflation. Lower net margin heightens sensitivity to rising healthcare costs and can constrain reinvestment or reserve build without offsetting underwriting or investment gains.

Earnings Mix SensitivityEarnings depend materially on underwriting margins and investment returns from the insurance float. That mix exposes profitability to cyclical claims volatility, market returns and interest-rate shifts, making medium-term earnings contingent on external market and regulatory conditions.

NIB Holdings Ltd News

nib Grants Long-Term Incentive Performance Rights to Director Edward Close

The latest announcement is out from NIB Holdings Ltd ( ($AU:NHF) ). nib holdings limited has notified the...

21d ago

NIB Issues 577,819 Unquoted Performance Rights Under Employee Incentive Scheme

NIB Holdings Ltd ( ($AU:NHF) ) has provided an announcement. NIB Holdings Limited has issued 577,819 unquoted performance...

21d ago

nib to Release 2026 Half-Year Results and Host Investor Webcast

An update from NIB Holdings Ltd ( ($AU:NHF) ) is now available. nib holdings limited has announced it...

26d ago

nib flags $21.5m in one-off 1H26 charges but says underlying profit on track

NIB Holdings Ltd ( ($AU:NHF) ) has issued an update. nib holdings limited has warned that its first...

2M ago

NIB Holdings Ltd Releases 2025 Tax Transparency Report

An update from NIB Holdings Ltd ( ($AU:NHF) ) is now available. NIB Holdings Ltd has released its...

3M ago

NIB Holdings Ltd Appoints New Director with No Initial Securities Interest

The latest update is out from NIB Holdings Ltd ( ($AU:NHF) ). NIB Holdings Ltd has announced the...

3M ago

NIB Holdings Ltd Appoints Hisham El-Ansary as Non-Executive Director

NIB Holdings Ltd ( ($AU:NHF) ) has issued an announcement. NIB Holdings Ltd has appointed Hisham El-Ansary as...

3M ago

Leadership Change at NIB Holdings Ltd as Roslyn Toms Steps Down

NIB Holdings Ltd ( ($AU:NHF) ) has shared an update. NIB Holdings Ltd announced that Roslyn Toms has...

3M ago

NIB Holdings Ltd Releases 2026 Shareholder Calendar

NIB Holdings Ltd ( ($AU:NHF) ) just unveiled an announcement. NIB Holdings Ltd has released its shareholder calendar...

3M ago

NIB Holdings Ltd 2025 AGM: Resolutions Passed with Strong Shareholder Support

NIB Holdings Ltd ( ($AU:NHF) ) has provided an update. NIB Holdings Ltd held its 2025 Annual General...

3M ago

3GU FAQ

What was NIB Holdings Ltd’s price range in the past 12 months?

NIB Holdings Ltd lowest stock price was €3.38 and its highest was €4.48 in the past 12 months.

What is NIB Holdings Ltd’s market cap?

NIB Holdings Ltd’s market cap is €1.85B.

When is NIB Holdings Ltd’s upcoming earnings report date?

NIB Holdings Ltd’s upcoming earnings report date is Feb 23, 2026 which is in 6 days.

How were NIB Holdings Ltd’s earnings last quarter?

NIB Holdings Ltd released its earnings results on Aug 24, 2025. The company reported €0.15 earnings per share for the quarter, beating the consensus estimate of €0.121 by €0.029.

Is NIB Holdings Ltd overvalued?

According to Wall Street analysts NIB Holdings Ltd’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does NIB Holdings Ltd pay dividends?

NIB Holdings Ltd does not currently pay dividends.

What is NIB Holdings Ltd’s EPS estimate?

NIB Holdings Ltd’s EPS estimate is 0.13.

How many shares outstanding does NIB Holdings Ltd have?

NIB Holdings Ltd has 487,953,520 shares outstanding.

What happened to NIB Holdings Ltd’s price movement after its last earnings report?

NIB Holdings Ltd reported an EPS of €0.15 in its last earnings report, beating expectations of €0.121. Following the earnings report the stock price went same N/A.

Which hedge fund is a major shareholder of NIB Holdings Ltd?

Currently, no hedge funds are holding shares in DE:3GU

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

NIB Holdings Ltd Stock Smart Score

Neutral

Fundamentals

Return on Equity

18.51%

Trailing 12-Months

Asset Growth

-7.33%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

NIB Holdings Ltd

nib holdings limited, together with its subsidiaries, underwrites and distributes private health insurance to residents, international students, and visitors in Australia and New Zealand. The company operates through Australian Residents Health Insurance, New Zealand Insurance, International (Inbound) Health Insurance, and nib Travel segments. It offers health insurance products, including singles, couples, single parent, and family health insurance; and travel insurance products. nib holdings limited was founded in 1952 and is headquartered in Newcastle, Australia.

NIB Holdings Ltd (3GU) Earnings & Revenues

Historic Earnings Reports

3GU Stock 12 Month Forecast

Average Price Target

€4.49

▲(21.35% Upside)

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<span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 8, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":3.74,"date":1740787200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 10, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":3.79,"date":1743465600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            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Detailed Analyst Forecast >