Medibank Private (MPL) AI Stock Analysis

• Market Cap: $13.14B
• Dividend Yield: 3.67%
• Average Volume (3M): 5.96M
• Price to Earnings (P/E): 26.2
• Beta (1Y): 0.34
• Revenue Growth: 6.37%
• EPS Growth: 1.73%
• Country: AU
• Employees: 3,220
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 0.12
• Shares Outstanding: 2,754,003,200
• 10 Day Avg. Volume: 5,399,409
• 30 Day Avg. Volume: 5,964,521
• PEG Ratio: 0.00
• Price to Book (P/B): 5.95
• Price to Sales (P/S): 1.63
• P/FCF Ratio: 37.62
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 1.65
• Enterprise Value/Gross Profit: 1.65
• Enterprise Value/Ebitda: 18.90
• 1Y Price Target: $5.08
• Price Target Upside: 3.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 73 Outperform
• Price Target: AU$5.50 ▲(12.24% 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 Business Overview & Revenue Model

Company Description

Medibank 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 Money

Medibank 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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	8.56B	8.56B	8.02B	7.40B	7.09B	6.98B
Gross Profit	8.56B	8.56B	8.02B	7.40B	7.10B	7.03B
EBITDA	746.80M	750.80M	806.50M	520.60M	635.10M	715.00M
Net Income	500.80M	500.80M	492.50M	511.10M	393.90M	441.20M
Balance Sheet
Total Assets	4.70B	4.70B	4.69B	4.39B	4.55B	3.92B
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	927.90M	695.10M	831.30M	671.70M
Total Debt	209.00M	209.00M	218.30M	55.30M	76.90M	93.40M
Total Liabilities	2.36B	2.36B	2.38B	2.30B	2.61B	2.02B
Stockholders Equity	2.34B	2.34B	2.31B	2.08B	1.95B	1.91B
Cash Flow
Free Cash Flow	369.70M	369.70M	810.90M	216.30M	927.60M	463.10M
Operating Cash Flow	380.90M	380.90M	868.50M	258.20M	962.70M	498.20M
Investing Cash Flow	-22.70M	110.50M	-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: Positive
• Last Price: 4.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MPL, the sentiment is Positive. The current price of 4.9 is above the 20-day moving average (MA) of 4.79, above the 50-day MA of 4.86, and above the 200-day MA of 4.58, indicating a bullish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 59.63 is Neutral, neither overbought nor oversold. The STOCH value of 86.96 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:MPL.

Medibank Private Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUN	―	AU$21.87B	14.40	12.51%	23.55%	-0.54%	26.37%
MPL	―	$13.14B	26.24	21.28%	3.67%	6.37%	1.73%
NHF	―	€3.54B	17.69	18.51%	3.92%	5.90%	7.22%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUB	―	€3.72B	20.62	11.17%	2.39%	10.98%	23.05%
QBE	―	$30.54B	10.11	18.97%	4.67%	5.93%	14.80%
IAG	―	$18.80B	13.83	19.09%	3.89%	8.47%	54.09%

Medibank Private Corporate Events

AustralianSuper Increases Stake in Medibank Private

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

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

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.