NIB Holdings Ltd (NHF) AI Stock Analysis

• Market Cap: €3.61B
• Dividend Yield: 3.91%
• Average Volume (3M): 954.47K
• Price to Earnings (P/E): 18.1
• Beta (1Y): 0.30
• 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: 487,017,030
• 10 Day Avg. Volume: 783,723
• 30 Day Avg. Volume: 954,471
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €7.96
• Price Target Upside: 7.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 10

• Rating: 72 Outperform
• Price Target: AU$8.50 ▲(14.56% Upside)

NIB Holdings Ltd demonstrates strong financial performance with robust revenue growth and operational efficiency, supported by a stable balance sheet. The technical analysis indicates a positive trend, although momentum is limited. The valuation is reasonable, with a moderate P/E ratio and an attractive dividend yield. These factors collectively contribute to a solid overall stock score.

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 Ltd generates revenue primarily through the sale of health insurance policies. The company's key revenue streams include premium income from individual and group health insurance plans for Australian and New Zealand residents, which form the core of its earnings. Additionally, NIB Holdings earns revenue from international health insurance policies, targeting inbound travelers and expatriates. The World Nomads Group contributes to its earnings through travel insurance products. NIB Holdings also benefits from investment income derived from the reserves held to cover future claims. Strategic partnerships with healthcare providers and a focus on digital distribution channels further enhance its market reach and profitability.

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	287.20M	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: Positive
• Last Price: 7.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 7.42 is below the 20-day moving average (MA) of 7.45, above the 50-day MA of 7.39, and above the 200-day MA of 6.51, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 49.10 is Neutral, neither overbought nor oversold. The STOCH value of 24.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	13.22B	26.40	―	3.75%	6.37%	1.73%
NHF	72 Outperform	€3.61B	18.05	18.51%	3.91%	5.90%	7.22%
QBE	72 Outperform	30.83B	10.21	16.58%	4.60%	5.93%	14.80%
SUN	71 Outperform	21.83B	14.38	17.24%	23.59%	-0.54%	―
IAG	65 Neutral	19.23B	14.14	18.54%	3.81%	8.47%	54.09%
PNI	60 Neutral	3.82B	28.14	14.64%	3.37%	37.42%	38.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

NIB Holdings Ltd Corporate Events

NIB Holdings Ltd to Announce 2025 Full-Year Financial Results

NIB Holdings Ltd is set to release its full-year financial results for the period ending June 30, 2025, on August 25, 2025. Following the announcement, the company’s CEO and CFO will present the results to analysts and investors via a webcast. This event is significant as it provides insights into the company’s financial performance and strategic direction, potentially impacting investor perceptions and market positioning.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$6.40 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

NIB Holdings Ltd Submits Gender Equality Report to WGEA

NIB Holdings Ltd has submitted its annual compliance report to the Workplace Gender Equality Agency (WGEA) as required by the Workplace Gender Equality Act 2012. This submission underscores the company’s ongoing commitment to promoting gender equality and diversity within its operations, reflecting its dedication to creating an inclusive workplace environment.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$6.40 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

Vanguard Group Increases Stake in nib holdings Limited

Vanguard Group, a major investment management company, has increased its stake in nib holdings Limited, an Australian health insurance provider. The change in Vanguard’s interest, which now stands at 6.086% of voting power, reflects a significant increase from its previous 5.001% stake. This adjustment in shareholding could potentially influence nib holdings’ market dynamics and stakeholder interests, given Vanguard’s substantial influence in the financial markets.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$6.40 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

NIB Holdings Ltd Updates Share Registry Address

NIB Holdings Ltd has announced a change in the address of its share registry provider, Computershare Investor Services Pty Limited, effective from 10 June 2025. The new location is at Level 4, 44 Martin Place, Sydney, NSW 2000, with telephone numbers and postal addresses remaining unchanged. This change is part of the company’s routine operational updates and is not expected to have any significant impact on its operations or stakeholders.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$6.40 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

NIB Director Sells Shares to Meet Tax Obligation

NIB Holdings Ltd announced that Mr. Edward Close, a director of the company, has sold 32,000 shares on the market to meet a personal income tax obligation. This transaction reflects a change in Mr. Close’s interest in the company’s securities, which is a routine disclosure required by ASX regulations.

NIB Holdings Updates FY25 Performance and Strategic Plans at Conference

NIB Holdings Ltd’s CEO, Ed Close, presented at the Macquarie Australia Conference, providing an update on the company’s FY25 business performance. The company remains within its projected FY25 Group Underlying Operating Profit guidance range of $235 million to $250 million and is exploring strategic options for its nib Travel segment, indicating potential shifts in its business strategy.