tiprankstipranks
Trending News
More News >
Medibank Private Ltd. (AU:MPL)
ASX:MPL
Advertisement

Medibank Private (MPL) AI Stock Analysis

Compare
71 Followers

Top Page

AU:MPL

Medibank Private

(Sydney:MPL)

Select Model
Select Model
Select Model
Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
AU$5.50
▲(13.87% Upside)
Medibank Private Ltd. has a strong financial foundation with robust revenue growth and a stable balance sheet, contributing significantly to the overall score. Technical analysis further supports a positive outlook with strong upward price trends, though caution is advised due to the potential overbought signals. The valuation presents a mixed picture with a high P/E ratio but an attractive dividend yield, suggesting potential overvaluation but rewarding income investors.

Medibank Private (MPL) vs. iShares MSCI Australia ETF (EWA)

Medibank Private Business Overview & Revenue Model

Company DescriptionMedibank Private Limited (MPL) is a leading private health insurance provider in Australia. Founded in 1976 and headquartered in Melbourne, Medibank offers a comprehensive range of health insurance products catering to various customer needs, including hospital and extras cover. The company operates under two primary brands: Medibank and ahm, serving both individual and corporate clients. Medibank is committed to enhancing the health and wellbeing of its members through various health services and preventive care initiatives.
How the Company Makes MoneyMedibank Private generates revenue primarily through the sale of health insurance policies to individuals and corporate clients. The company's income is derived from premium payments made by its members for hospital and extras cover, which provide access to a wide range of healthcare services. Additionally, Medibank earns money through its Health Services segment, which offers diversified health solutions such as telehealth, mental health support, and preventative health programs. Medibank also benefits from investment income, as it strategically manages a portfolio of financial assets to ensure liquidity and profitability. Key factors contributing to Medibank's earnings include regulatory policies in the Australian healthcare sector, customer retention strategies, and partnerships with healthcare providers to deliver cost-effective and quality health services.

Medibank Private Financial Statement Overview

Summary
Medibank Private Ltd. demonstrates a solid financial performance with strong revenue growth and profitability, despite challenges in operational efficiency. The balance sheet is robust with low leverage and efficient equity utilization, while cash flow generation shows significant improvement. The company is well-positioned to leverage its financial stability for future growth, though attention to operating expenses is advised.
Income Statement
75
Positive
Medibank Private Ltd. shows consistent revenue growth with a 7.52% increase in the latest year. The gross profit margin remains strong at 100%, indicating effective cost management. However, the decline in EBIT margin from 9.79% to 0.09% and net profit margin from 6.85% to 6.14% suggests pressure on operational efficiency. Despite these challenges, the company's EBITDA margin improved significantly, reflecting better underlying profitability.
Balance Sheet
80
Positive
The company maintains a strong equity position with an equity ratio of 49.21%. The debt-to-equity ratio is low at 0.09, indicating low financial leverage, and ROE is solid at 21.37%, showing effective utilization of equity. Overall, the balance sheet reflects stability and a conservative financial structure, minimizing potential risk from debt.
Cash Flow
70
Positive
Medibank's free cash flow grew substantially by 274.7%, highlighting improved cash generation. The operating cash flow to net income ratio is robust at 1.76, indicating strong cash conversion. However, the free cash flow to net income ratio of 1.65 suggests a potential need to optimize capital expenditures to maintain this positive trend.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue8.56B8.56B8.02B7.40B7.09B6.98B
Gross Profit8.56B8.56B8.02B7.40B7.10B7.03B
EBITDA746.80M750.80M806.50M520.60M635.10M715.00M
Net Income500.80M500.80M492.50M511.10M393.90M441.20M
Balance Sheet
Total Assets4.70B4.70B4.69B4.39B4.55B3.92B
Cash, Cash Equivalents and Short-Term Investments0.000.00927.90M695.10M831.30M671.70M
Total Debt209.00M209.00M218.30M55.30M76.90M93.40M
Total Liabilities2.36B2.36B2.38B2.30B2.61B2.02B
Stockholders Equity2.34B2.34B2.31B2.08B1.95B1.91B
Cash Flow
Free Cash Flow369.70M369.70M810.90M216.30M927.60M463.10M
Operating Cash Flow380.90M380.90M868.50M258.20M962.70M498.20M
Investing Cash Flow-22.70M110.50M-110.80M-15.20M-637.80M-322.10M
Financing Cash Flow-533.80M-533.80M-487.30M-419.10M-399.90M-375.80M

Medibank Private Technical Analysis

Technical Analysis Sentiment
Negative
Last Price4.83
Price Trends
50DMA
4.93
Negative
100DMA
4.89
Negative
200DMA
4.49
Positive
Market Momentum
MACD
-0.03
Negative
RSI
45.24
Neutral
STOCH
58.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MPL, the sentiment is Negative. The current price of 4.83 is below the 20-day moving average (MA) of 4.85, below the 50-day MA of 4.93, and above the 200-day MA of 4.49, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 45.24 is Neutral, neither overbought nor oversold. The STOCH value of 58.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:MPL.

Medibank Private Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$22.19B14.5412.51%23.17%-0.54%26.37%
73
Outperform
AU$31.90B10.5618.97%4.43%5.93%14.80%
73
Outperform
$13.30B26.5121.28%3.73%6.37%1.73%
72
Outperform
€3.64B18.2018.51%3.85%5.90%7.22%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
€3.79B21.1711.17%2.78%10.98%23.05%
65
Neutral
AU$19.63B14.4419.09%3.73%8.47%54.09%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:MPL
Medibank Private
4.82
1.25
35.05%
AU:AUB
AUB Group
32.77
2.65
8.81%
AU:IAG
Insurance Australia Group Limited
8.30
1.04
14.39%
AU:NHF
NIB Holdings Ltd
7.54
1.71
29.22%
AU:QBE
QBE Insurance Group Limited
21.20
5.82
37.81%
AU:SUN
Suncorp Group
20.52
3.53
20.77%

Medibank Private Corporate Events

AustralianSuper Increases Stake in Medibank Private
Jun 20, 2025

AustralianSuper Pty Ltd has increased its voting power in Medibank Private Limited from 6.73% to 7.78%, reflecting a significant change in the substantial holding of the company. This change in voting power indicates a strengthened position for AustralianSuper within Medibank, potentially impacting the company’s governance and strategic decisions.

The most recent analyst rating on (AU:MPL) stock is a Hold with a A$3.80 price target. To see the full list of analyst forecasts on Medibank Private stock, see the AU:MPL Stock Forecast page.

AustralianSuper Increases Stake in Medibank Private
May 16, 2025

AustralianSuper Pty Ltd has increased its voting power in Medibank Private Limited from 5.57% to 6.73%, reflecting a significant change in its stake in the company. This change in substantial holding could influence Medibank’s shareholder dynamics and potentially impact its strategic decisions, highlighting AustralianSuper’s growing influence in the company’s governance.

The most recent analyst rating on (AU:MPL) stock is a Hold with a A$3.80 price target. To see the full list of analyst forecasts on Medibank Private stock, see the AU:MPL Stock Forecast page.

Medibank Private Announces Key Dates for Fiscal Year 2025
May 15, 2025

Medibank Private Limited has announced key dates for the fiscal year ending June 30, 2025, including the release of its full-year results on August 28, 2025, followed by a teleconference and webcast briefing. The company also provided details on its final dividend payment schedule and the date for its annual general meeting, highlighting its commitment to transparency and shareholder engagement.

The most recent analyst rating on (AU:MPL) stock is a Hold with a A$3.80 price target. To see the full list of analyst forecasts on Medibank Private stock, see the AU:MPL Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 05, 2025