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NIB Holdings Ltd (DE:3GU)
FRANKFURT:3GU
3GU Stock Chart & Stats
€3.90
€0.00(0.00%)
At close: 4:00 PM EST
€3.90
€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
€1.86B
Enterprise Value€3.35B
Total Cash (Recent Filing)€404.60M
Total Debt (Recent Filing)€310.20M
Price to Earnings (P/E)16.0
Beta0.38
Next Earnings
Feb 23, 2026EPS Estimate
0.13Next 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
€4.51Price Target Upside15.64% 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% year increase shows durable top-line expansion, likely from membership or product mix gains. Sustained revenue growth increases underwriting scale and premium float, enabling more predictable underwriting outcomes and larger investable reserves to support long-term profitability and reinvestment.
Prudent Leverage & Strong ROELow debt-to-equity (0.28) alongside a near-18% ROE indicates conservative leverage and efficient capital use. This balance gives the insurer resilience to claim shocks, preserves financial flexibility for reserve strengthening or M&A, and supports sustainable shareholder returns over a multi‑month horizon.
Healthy Operating MarginsHigh gross profit and healthy EBIT/EBITDA margins provide a structural cushion versus claims variability and pricing cycles. Strong underlying operating profitability supports investment in distribution and customer retention, helping sustain underwriting profitability and cash generation over the medium term.
Bears Say
Low Net Profit MarginA 5.6% net margin limits the firm’s ability to absorb adverse claims or cost inflation without raising premiums. Modest bottom-line profitability constrains capacity to fund strategic initiatives, build extra reserves, or increase returns to shareholders if margin pressure persists over several quarters.
Declining Free Cash Flow GrowthA 30.3% fall in free cash flow growth signals weakening cash generation relative to prior periods. Reduced FCF growth can limit flexibility for dividends, capital investments, or reserve strengthening and raises sensitivity to underwriting or market shocks over a 2–6 month planning horizon.
Earnings Reliant On Underwriting & Investment IncomeProfitability dependence on underwriting performance and returns on invested float exposes results to claims volatility and market yield shifts. If claims spike or investment returns fall, earnings and capital buffers can be pressured, creating medium‑term variability in reported profit and reserves.
NIB Holdings Ltd News
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 €1.86B.
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 4 days.
How were NIB Holdings Ltd’s earnings last quarter?
NIB Holdings Ltd released its earnings results on Aug 24, 2025. The company reported €0.151 earnings per share for the quarter, beating the consensus estimate of €0.122 by €0.029.
Is NIB Holdings Ltd overvalued?
According to Wall Street analysts NIB Holdings Ltd’s price is currently Undervalued.
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 €0.151 in its last earnings report, beating expectations of €0.122. 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
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10
Analyst Consensus
Hold
Average Price Target:
€4.51 (15.64% Upside)
€4.51 (15.64% Upside)
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.29%
12-Months-Change
Fundamentals
Return on Equity
18.51%
Trailing 12-Months
Asset Growth
-7.33%
Trailing 12-Months
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.
3GU Stock 12 Month Forecast
Average Price Target
€4.51
▲(15.64% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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