NIB Holdings Ltd (NHF) AI Stock Analysis

• Market Cap: AU$3.35B
• Dividend Yield: 4.17%
• Average Volume (3M): 633.85K
• Price to Earnings (P/E): 16.7
• Beta (1Y): 0.43
• Revenue Growth: 5.90%
• EPS Growth: 7.22%
• Country: AU
• Employees: 1,870
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 0.25
• Shares Outstanding: 487,953,520
• 10 Day Avg. Volume: 480,373
• 30 Day Avg. Volume: 633,845
• PEG Ratio: 2.18
• Price to Book (P/B): 3.10
• Price to Sales (P/S): 0.96
• P/FCF Ratio: 30.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$7.85
• Price Target Upside: 14.09% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: AU$8.50 ▲(23.55% Upside)

NIB Holdings Ltd demonstrates strong financial performance with robust revenue growth and operational efficiency. The stock's valuation is fair, with an attractive dividend yield. However, technical indicators suggest a short-term bearish trend, which could impact investor sentiment. The absence of recent earnings call data and corporate events limits additional insights.

NIB Holdings Ltd Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Nib Holdings generates revenue primarily through the sale of health insurance policies to individuals and families, which includes premiums paid by policyholders for hospital and extras cover. The company also earns income from investment returns on its premium reserves and other financial assets. Key revenue streams include direct premiums from members, ancillary services related to health management, and fees from partnerships with healthcare providers. Additionally, Nib has established partnerships with various organizations to offer tailored insurance solutions, which help in expanding its customer base and enhancing its service offerings.

NIB Holdings Ltd Financial Statement Overview

Summary

NIB Holdings Ltd exhibits strong revenue growth and operational efficiency, supported by a solid balance sheet with manageable leverage. While profitability margins are healthy, there is potential for improvement in net profit margins. Cash flow management shows some challenges, particularly in free cash flow growth, but overall cash conversion remains effective. The company is well-positioned for continued growth, with a stable financial foundation.

Income Statement

NIB Holdings Ltd has demonstrated strong revenue growth with a 51.5% increase in the latest year, indicating robust business expansion. The gross profit margin remains high, reflecting efficient cost management. However, the net profit margin is relatively modest at 5.6%, suggesting room for improvement in profitability. The EBIT and EBITDA margins are healthy, supporting operational efficiency.

Balance Sheet

The company's balance sheet shows a stable financial position with a debt-to-equity ratio of 0.28, indicating prudent leverage management. Return on equity is strong at 17.98%, reflecting effective use of shareholder funds. The equity ratio is moderate, suggesting a balanced capital structure. Overall, the balance sheet reflects financial stability with manageable debt levels.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth, which decreased by 30.3%, highlighting potential challenges in cash generation. However, the operating cash flow to net income ratio is favorable, indicating good cash conversion. The free cash flow to net income ratio is also strong, suggesting efficient cash utilization despite recent growth challenges.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.62B	3.59B	3.44B	3.12B	2.79B	2.60B
Gross Profit	3.13B	3.13B	3.40B	3.12B	2.79B	2.60B
EBITDA	277.80M	324.60M	324.50M	220.60M	236.80M	274.80M
Net Income	199.80M	199.80M	185.60M	191.10M	133.80M	160.50M
Balance Sheet
Total Assets	2.19B	2.19B	2.11B	2.19B	1.94B	1.75B
Cash, Cash Equivalents and Short-Term Investments	404.60M	404.60M	459.80M	243.00M	206.90M	213.90M
Total Debt	310.20M	310.20M	306.80M	291.80M	311.70M	289.90M
Total Liabilities	1.08B	1.08B	1.07B	1.21B	1.21B	1.05B
Stockholders Equity	1.11B	1.11B	1.04B	967.20M	720.10M	690.10M
Cash Flow
Free Cash Flow	112.10M	112.10M	208.50M	194.40M	311.00M	85.10M
Operating Cash Flow	165.70M	165.70M	257.10M	246.70M	337.60M	108.70M
Investing Cash Flow	-79.30M	-74.20M	-98.10M	-236.50M	-259.30M	-23.50M
Financing Cash Flow	-123.10M	-128.20M	-125.20M	26.00M	-84.40M	-69.30M

NIB Holdings Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 6.88
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:NHF, the sentiment is Negative. The current price of 6.88 is below the 20-day moving average (MA) of 6.94, below the 50-day MA of 7.19, and below the 200-day MA of 7.03, indicating a bearish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 40.51 is Neutral, neither overbought nor oversold. The STOCH value of 58.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:NHF.

NIB Holdings Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MPL	73 Outperform	$13.14B	26.24	21.28%	3.73%	6.37%	1.73%
NHF	72 Outperform	AU$3.35B	16.74	18.51%	4.17%	5.90%	7.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QBE	66 Neutral	AU$29.78B	9.86	18.97%	4.68%	5.93%	14.80%
SUN	65 Neutral	AU$19.16B	12.61	12.51%	26.88%	-0.54%	26.37%
IAG	63 Neutral	AU$18.76B	13.79	19.09%	3.91%	8.47%	54.09%
PNI	61 Neutral	AU$3.77B	27.61	19.56%	3.45%	37.42%	38.37%

NIB Holdings Ltd Corporate Events

NIB Holdings Ltd Releases 2025 Tax Transparency Report

NIB Holdings Ltd has released its 2025 Tax Transparency Report, which is now accessible to shareholders on their website. This report is part of NIB’s commitment to transparency and provides insights into the company’s tax contributions, reflecting their dedication to responsible corporate governance.

NIB Holdings Ltd Appoints New Director with No Initial Securities Interest

NIB Holdings Ltd has announced the appointment of Hisham El-Ansary as a director, effective December 2, 2025. The initial director’s interest notice reveals that El-Ansary currently holds no relevant interests in securities, indicating a neutral impact on the company’s immediate financial operations.

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

NIB Holdings Ltd has appointed Hisham El-Ansary as an independent Non-Executive Director to its Board, effective from December 2, 2025. El-Ansary brings over 30 years of experience in healthcare, insurance, and other industries, having previously served as CEO of Bupa Asia Pacific. His appointment is part of NIB’s strategy for Board renewal and succession planning, following the retirement of Donal O’Dwyer.

Leadership Change at NIB Holdings Ltd as Roslyn Toms Steps Down

NIB Holdings Ltd announced that Roslyn Toms has stepped down from her role as Company Secretary, effective December 1, 2025. Her departure marks the end of a significant 14-year tenure during which she contributed greatly to the company’s operations. Jordan French will continue as Company Secretary, ensuring continuity in the role. This change in leadership is part of a transitional phase for the company, potentially impacting its strategic direction and stakeholder relationships.

NIB Holdings Ltd Releases 2026 Shareholder Calendar

NIB Holdings Ltd has released its shareholder calendar for 2026, detailing key dates for financial results and dividend payments. The announcement outlines important dates such as the half-year and full-year results, interim and final dividend dates, and the Annual General Meeting, providing stakeholders with a timeline for financial and corporate events.

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

NIB Holdings Ltd held its 2025 Annual General Meeting, where all items of business were passed by shareholders. Key resolutions included the adoption of the Remuneration Report, the re-election of Mr. David Gordon as a Non-Executive Director, and the approval of participation in the Long-Term Incentive Plan. The overwhelming support for these resolutions indicates strong shareholder confidence in the company’s leadership and strategic direction.

NIB Holdings Announces Retirement of Non-Executive Director Donal O’Dwyer

NIB Holdings Ltd announced the retirement of Donal O’Dwyer as a Non-Executive Director, effective at the close of the Annual General Meeting on 6 November 2025. O’Dwyer, who has been with the company since March 2016, has significantly contributed to the company, particularly in his roles on various committees. The company is in the process of recruiting a new director to fill the vacancy left by O’Dwyer’s departure, which may influence the company’s strategic direction and governance.

nib Holdings Limited Reports Strong FY25 Performance Amidst Competitive Market

nib holdings limited reported a successful fiscal year 2025, with a focus on strengthening its core private health insurance business in a competitive market. The company achieved a 3.2% growth in policyholders, surpassing the industry average, and supported a significant number of hospital admissions and ancillary health care visits. Despite high costs and claims inflation in the health sector, nib has invested in partnerships with major private hospital groups to drive down costs and ensure better outcomes for its members.

NIB Holdings Ltd to Quote New Securities on ASX

NIB Holdings Ltd has announced the application for quotation of 936,487 ordinary fully paid securities on the Australian Securities Exchange (ASX) under the code NHF, with the issue date set for October 7, 2025. This move is part of a dividend or distribution plan, potentially impacting the company’s market presence and offering stakeholders an opportunity to engage with its financial strategies.

NIB Holdings Director Sells Shares to Meet Tax Obligations

NIB Holdings Ltd announced a change in the director’s interest notice for Mr. Edward Close. Mr. Close sold a total of 53,736 NIB shares, both directly and indirectly, to meet a personal income tax obligation and transferred shares off-market to a family trust. This transaction reflects a personal financial decision by Mr. Close and does not indicate any strategic shift in the company’s operations or market positioning.

NIB Holdings Ltd Announces Director’s Interest Change

NIB Holdings Ltd has announced a change in the director’s interest notice, specifically regarding Jill Watts. The notice details the acquisition of 6,673 ordinary shares by Jill Watts and Martin Roy Watts through the Watts Super Fund account. This change reflects an increase in their indirect holdings, potentially indicating confidence in the company’s future performance and stability.