NIB Holdings Ltd (NHF) AI Stock Analysis

• Market Cap: €3.54B
• Dividend Yield: 3.85%
• Average Volume (3M): 633.85K
• Price to Earnings (P/E): 17.7
• Beta (1Y): 0.32
• 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: 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: €7.93
• Price Target Upside: 5.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: AU$8.50 ▲(12.73% 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 Ltd (NHF) is a leading health insurance provider in Australia and New Zealand, primarily focused on delivering private health insurance products. The company operates in the health insurance sector, offering a range of services including hospital cover, extras cover, and health management solutions. Nib also provides travel insurance and operates in the international student health insurance market, making it a comprehensive player in the health insurance landscape.

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	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: 7.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 7.54 is above the 20-day moving average (MA) of 7.40, above the 50-day MA of 7.44, and above the 200-day MA of 6.82, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 55.70 is Neutral, neither overbought nor oversold. The STOCH value of 36.96 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	$13.33B	26.62	21.28%	3.67%	6.37%	1.73%
NHF	72 Outperform	€3.54B	17.69	18.51%	3.85%	5.90%	7.22%
SUN	72 Outperform	$20.72B	13.64	12.51%	24.45%	-0.54%	26.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QBE	66 Neutral	$29.42B	9.74	18.97%	4.75%	5.93%	14.80%
IAG	63 Neutral	$18.35B	13.50	19.09%	3.96%	8.47%	54.09%
PNI	61 Neutral	AU$4.01B	29.43	19.56%	3.28%	37.42%	38.37%

NIB Holdings Ltd Corporate Events

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.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$7.85 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

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.

The most recent analyst rating on (AU:NHF) stock is a Hold with a A$7.85 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 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.

The most recent analyst rating on (AU:NHF) stock is a Buy with a A$8.90 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

Mitsubishi UFJ Financial Group Ceases Substantial Holding in NIB Holdings

Mitsubishi UFJ Financial Group, Inc. has ceased to be a substantial holder in NIB Holdings Limited as of September 5, 2025. The change in substantial holding was due to a series of sales and purchases of securities by entities controlled by First Sentier Group Limited and Morgan Stanley, affecting the voting securities of NIB Holdings Limited.

The most recent analyst rating on (AU:NHF) stock is a Buy with a A$8.50 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 Director’s Interest Notice

NIB Holdings Ltd has announced a change in the director’s interest notice, specifically concerning Edward Close. The update involves a change in the number of direct and indirect ordinary shares held by Edward Close, with the indirect interests managed through Evaso Pty Ltd for ELC Investment, a family trust. This change reflects the company’s adherence to regulatory requirements for transparency and disclosure, potentially impacting stakeholders’ understanding of the director’s financial involvement with the company.

The most recent analyst rating on (AU:NHF) stock is a Buy with a A$8.50 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.

First Sentier Investors Ceases Substantial Holding in NIB Holdings Ltd

NIB Holdings Ltd has announced that First Sentier Investors and its related entities have ceased to be substantial holders in the company as of September 2, 2025. This change in substantial holding may impact NIB Holdings Ltd’s shareholder structure and could influence its market positioning, as substantial holders often play a significant role in company decisions and strategic directions.

The most recent analyst rating on (AU:NHF) stock is a Buy with a A$8.50 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 Releases 2025 Climate-Related Disclosure

NIB Holdings Ltd has released its 2025 Group Climate-Related Disclosure, which is now available on their shareholder website. This disclosure reflects the company’s commitment to transparency in its environmental impact and may influence its operations and stakeholder relations by highlighting its climate-related strategies and goals.

The most recent analyst rating on (AU:NHF) stock is a Sell with a A$5.60 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 Commits to Indigenous Community Support in FY2025 Results

NIB Holdings Ltd has released its FY2025 full-year results, emphasizing its commitment to supporting Aboriginal and Torres Strait Islander communities in Australia. The company aims to enhance the quality of life and health for these communities, reflecting its broader corporate responsibility and community engagement goals.

The most recent analyst rating on (AU:NHF) stock is a Sell with a A$5.60 price target. To see the full list of analyst forecasts on NIB Holdings Ltd stock, see the AU:NHF Stock Forecast page.