NIB Holdings Ltd (DE:3GU)
FRANKFURT:3GU
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3GU Stock Chart & Stats
€3.94
€0.00(0.00%)
At close: 4:00 PM EST
€3.94
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€3.38 - €4.48
Previous CloseN/A
Volume0.00
Average Volume (3M)4.00
Market Cap
€2.03B
Enterprise Value€3.38B
Total Cash (Recent Filing)€172.80M
Total Debt (Recent Filing)€303.30M
Price to Earnings (P/E)10.1
Beta0.47
Next Earnings
Aug 17, 2026EPS Estimate
0.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.41
Shares Outstanding488,912,780
10 Day Avg. Volume11
30 Day Avg. Volume4
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
€4.51Price Target Upside14.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)0.25
Revenue Forecast (FY)€2.27B
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthA 51.5% year increase indicates material expansion in the core premium base or successful health-services revenue scaling. Sustained top-line growth improves underwriting leverage, spreads fixed costs, and supports long-term investment in distribution and service capabilities.
Prudent Balance Sheet And Strong ROELow leverage and ~18% ROE reflect conservative capital management and efficient use of shareholder funds. This balance sheet flexibility supports underwriting volatility, potential M&A, and steady capital returns without imposing material financial strain over the medium term.
Recurring Premium Model Plus Service DiversificationA recurring premium business generates stable, predictable cash inflows while adjacent health services diversify revenue and deepen member engagement. Combined, these create durable customer retention, cross-sell opportunities and a stronger ecosystem less reliant on single revenue sources.
Bears Say
Declining Free Cash Flow GrowthA 30.3% drop in free cash flow growth is a structural warning for reinvestment capacity and shareholder returns. If prolonged, weaker FCF growth can constrain balance sheet flexibility, reduce ability to fund service expansion, and limit buffer against underwriting shocks.
Relatively Low Net Profit MarginA sub-6% net margin suggests limited cushion for adverse claims or cost inflation. In insurance, small margin compression materially affects profitability; sustaining margin improvement requires consistent underwriting discipline, pricing power, or continued operational efficiency gains.
Underwriting Sensitivity To Claims And Partner DynamicsEarnings are structurally exposed to claims volatility, provider pricing and distribution/partnership terms. These external factors can shift claims cost or acquisition economics over months, making underwriting margins and long-term profitability sensitive to industry and regulatory changes.
NIB Holdings Ltd News
3GU FAQ
What was NIB Holdings Ltd’s price range in the past 12 months?
NIB Holdings Ltd lowest stock price was €3.38 and its highest was €4.48 in the past 12 months.
What is NIB Holdings Ltd’s market cap?
NIB Holdings Ltd’s market cap is €2.03B.
When is NIB Holdings Ltd’s upcoming earnings report date?
NIB Holdings Ltd’s upcoming earnings report date is Aug 17, 2026 which is in 104 days.
How were NIB Holdings Ltd’s earnings last quarter?
NIB Holdings Ltd released its earnings results on Feb 22, 2026. The company reported €0.105 earnings per share for the quarter, missing the consensus estimate of €0.128 by -€0.023.
Is NIB Holdings Ltd overvalued?
According to Wall Street analysts NIB Holdings Ltd’s price is currently Undervalued.
Does NIB Holdings Ltd pay dividends?
NIB Holdings Ltd does not currently pay dividends.
What is NIB Holdings Ltd’s EPS estimate?
NIB Holdings Ltd’s EPS estimate is 0.12.
How many shares outstanding does NIB Holdings Ltd have?
NIB Holdings Ltd has 488,912,780 shares outstanding.
What happened to NIB Holdings Ltd’s price movement after its last earnings report?
NIB Holdings Ltd reported an EPS of €0.105 in its last earnings report, missing expectations of €0.128. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of NIB Holdings Ltd?
Currently, no hedge funds are holding shares in DE:3GU
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
NIB Holdings Ltd Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.29%
12-Months-Change
Fundamentals
Return on Equity
18.07%
Trailing 12-Months
Asset Growth
-4.44%
Trailing 12-Months
Company Description
NIB Holdings Ltd
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.
3GU Stock 12 Month Forecast
Average Price Target
€4.51
▲(14.37% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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