NIB Holdings Ltd (AU:NHF)
ASX:NHF
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NIB Holdings Ltd
(Sydney:NHF)
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Rating:72Outperform
Price Target:
AU$7.00
â–²(9.37% Upside)
Action:ReiteratedDate:10/28/25
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.
Positive Factors
Robust Revenue Growth
A 51.5% year-on-year revenue jump indicates strong demand for NIB's insurance and services, implying durable top-line expansion. Sustained premium growth expands underwriting scale and pricing leverage, supporting long-term revenue visibility and investment in distribution and digital channels.
Negative Factors
Falling Free Cash Flow Growth
A 30.3% drop in free cash flow growth signals potential weakening in cash generation from operations or higher capital/working capital needs. Over months, reduced FCF growth can constrain dividend capacity, reinvestment, and reserve strengthening, pressuring financial flexibility during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust Revenue Growth
A 51.5% year-on-year revenue jump indicates strong demand for NIB's insurance and services, implying durable top-line expansion. Sustained premium growth expands underwriting scale and pricing leverage, supporting long-term revenue visibility and investment in distribution and digital channels.
Read all positive factors
NIB Holdings Ltd (NHF) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$3.12B
Dividend Yield4.17%
Average Volume (3M)633.85K
Price to Earnings (P/E)10.1
Beta (1Y)0.48
Revenue Growth5.90%
EPS Growth7.22%
CountryAU
Employees1,870
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)0.17
Shares Outstanding487,953,520
10 Day Avg. Volume480,373
30 Day Avg. Volume633,845
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
AU$7.38Price Target Upside15.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)0.42
Revenue Forecast (FY)AU$3.72B
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 In...
How the Company Makes Money
NHF primarily makes money from insurance-related income across its operating segments. In its health insurance businesses, the core revenue stream is health insurance premiums paid by members for hospital and extras cover. The company earns underw...
NIB Holdings Ltd Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.67B | 3.59B | 3.44B | 3.12B | 2.79B | 2.60B |
| Gross Profit | 3.18B | 3.13B | 3.40B | 3.12B | 2.79B | 2.60B |
| EBITDA | 273.70M | 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 | 2.11B | 2.19B | 2.11B | 2.19B | 1.94B | 1.75B |
| Cash, Cash Equivalents and Short-Term Investments | 172.80M | 404.60M | 459.80M | 243.00M | 206.90M | 213.90M |
| Total Debt | 303.30M | 310.20M | 306.80M | 291.80M | 311.70M | 289.90M |
| Total Liabilities | 992.90M | 1.08B | 1.07B | 1.21B | 1.21B | 1.05B |
| Stockholders Equity | 1.10B | 1.11B | 1.04B | 967.20M | 720.10M | 690.10M |
Cash Flow | ||||||
| Free Cash Flow | 155.20M | 112.10M | 208.50M | 194.40M | 311.00M | 85.10M |
| Operating Cash Flow | 197.30M | 165.70M | 257.10M | 246.70M | 337.60M | 108.70M |
| Investing Cash Flow | -52.50M | -74.20M | -98.10M | -236.50M | -259.30M | -23.50M |
| Financing Cash Flow | -160.30M | -128.20M | -125.20M | 26.00M | -84.40M | -69.30M |
NIB Holdings Ltd Technical Analysis
Neutral
6.40
Price Trends
6.28
Positive
6.56
Negative
6.84
Negative
Market Momentum
0.04
Negative
60.13
Neutral
80.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:NHF, the sentiment is Neutral. The current price of 6.4 is above the 20-day moving average (MA) of 6.16, above the 50-day MA of 6.28, and below the 200-day MA of 6.84, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 60.13 is Neutral, neither overbought nor oversold. The STOCH value of 80.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:NHF.
NIB Holdings Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | AU$32.36B | 13.45 | 19.29% | 4.68% | 5.93% | 14.80% | |
73 Outperform | AU$17.11B | 18.10 | 12.51% | 26.88% | -0.54% | 26.37% | |
72 Outperform | AU$3.12B | 10.09 | 18.07% | 4.17% | 5.90% | 7.22% | |
72 Outperform | AU$17.22B | 9.34 | 14.85% | 3.91% | 8.47% | 54.09% | |
69 Neutral | AU$12.23B | 10.89 | 19.79% | 3.73% | 6.37% | 1.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | AU$2.99B | 14.10 | 13.61% | 3.45% | 37.42% | 38.37% |
* Financial Sector Average
AU:NHF
NIB Holdings Ltd
6.40
0.04
0.61%
AU:IAG
Insurance Australia Group Limited
7.28
0.25
3.51%
AU:MPL
Medibank Private
4.44
0.29
6.96%
AU:QBE
QBE Insurance Group Limited
21.55
3.20
17.41%
AU:SUN
Suncorp Group
15.80
-1.70
-9.72%
AU:PNI
Pinnacle Investment Management Group Limited
13.78
-0.13
-0.92%
NIB Holdings Ltd Corporate Events
Mitsubishi UFJ Exits Substantial Holder Position in NIB Holdings
Apr 2, 2026
Mitsubishi UFJ Financial Group, Inc. has lodged a notice stating it has ceased to be a substantial holder in NIB Holdings Limited, an Australian-listed health insurer and financial services provider. The change reflects a series of share transacti...
First Sentier Exits Substantial Holder Position in NIB Holdings
Apr 1, 2026
First Sentier Investors, part of Mitsubishi UFJ Financial Group, has lodged a notice that it has ceased to be a substantial shareholder in NIB Holdings Ltd as of 30 March 2026. The change reflects a reduction in its relevant voting interest in NIB...
NIB Holdings Updates DRP Price for Interim Dividend
Mar 25, 2026
NIB Holdings Ltd has updated its previously announced interim dividend details relating to the six-month period ended 31 December 2025. The update specifically concerns a revision to the Dividend Reinvestment Plan price, affecting how eligible sha...
NIB lifts profit and tightens costs as digital strategy boosts first-half performance
Feb 22, 2026
NIB Holdings reported a robust first-half 2026 result, with group revenue rising 7.7% to $1.9 billion and underlying operating profit up 22% to $129.1 million, while net profit after tax reached $82.9 million in line with expectations. The group c...
NIB Holdings Declares AUD 0.13 Half-Year Dividend
Feb 22, 2026
NIB Holdings Ltd has declared an ordinary dividend of AUD 0.13 per fully paid share for the six-month period ended 31 December 2025, payable on 8 April 2026. The dividend will trade ex-dividend on 5 March 2026, with a record date of 6 March 2026 a...
nib Grants Long-Term Incentive Performance Rights to Director Edward Close
Jan 28, 2026
nib holdings limited has notified the ASX of a change in director Edward Close’s interests following the issue of 178,768 performance rights to him on 21 January 2026 under the company’s FY26–29 Long Term Incentive Plan. The gran...
NIB Issues 577,819 Unquoted Performance Rights Under Employee Incentive Scheme
Jan 28, 2026
NIB Holdings Limited has issued 577,819 unquoted performance rights under its employee incentive scheme, effective 21 January 2026. The new equity-based awards, which will not be quoted on the ASX, are designed to support the company’s remun...
nib to Release 2026 Half-Year Results and Host Investor Webcast
Jan 22, 2026
nib holdings limited has announced it will release its 2026 half-year results for the period ended 31 December 2025 to the market on 23 February 2026. Following the announcement, the company will host a webcast presentation for analysts and invest...
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.