NIB Holdings Ltd (3GU) Price & Analysis
3GU Stock Chart & Stats
- Day’s Range
- EUR 4.02 - EUR 4.02
- 52-Week Range
- EUR 3.50 - EUR 4.52
- Previous Close
- EUR 4.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 2.03B
- Enterprise Value
- EUR 3.69B
- Total Cash (Recent Filing)
- EUR 217.00M
- Total Debt (Recent Filing)
- EUR 229.50M
- Price to Earnings (P/E)
- 17.4
- Beta
- 0.39
- Next Earnings
- Feb 22, 2027
- EPS Estimate
- 0.15
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.03%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet
Lower leverage and steadily growing equity provide financial resilience for an insurer. This supports claims-paying capacity, investment in member services and technology, and flexibility to manage changes in claims costs or regulation.
Positive Free Cash Flow
Sustained positive free cash flow indicates that the business generally converts earnings into cash. The 2026 rebound strengthens internal funding capacity for dividends, operations and strategic investment without relying heavily on additional debt.
Long-term Revenue Expansion
Multi-year revenue expansion reflects the scale and recurring nature of nib’s private health insurance operations. A growing premium base can support operating leverage, broader member services and a stronger competitive position over the medium term.
Bears Say
Slowing Revenue Growth
The marked deceleration reduces the pace at which nib can expand its earnings base and absorb fixed costs. If persistent, slower premium and service growth may limit operating leverage and increase dependence on pricing or efficiency gains.
Lower Recent Profitability
A fall in net income while revenue continues to rise suggests pressure from claims, operating expenses, investment results or other costs. Sustained weakness could constrain capital generation and reduce the benefits of the company’s expanding revenue base.
Volatile Cash And Margin Trends
Inconsistent operating cash conversion and sharply changing margin data make underlying earnings quality harder to assess. This uncertainty complicates forecasting of claims economics, sustainable profitability and the reliability of future cash generation.
NIB Holdings Ltd News
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NIB Holdings Ltd Stock Smart Score
Company Description
NIB Holdings Ltd
Nib Holdings Limited, through its various subsidiaries, underwrites and distributes private health insurance to a broad clientele, encompassing local residents, international students, and visitors in both Australia and New Zealand. Its business is conducted through distinct divisions: Australian Residents Health Insurance, New Zealand Insurance, International (Inbound) Health Insurance, and nib Travel. The firm's product offerings include various health insurance plans—catering to individuals, couples, single parents, and families—alongside travel insurance. Established in 1952, the company maintains its principal office in Newcastle, Australia.
- Sector
- Financial
- Industry
- Insurance - Specialty
- CEO
- Edward Close
- Employees
- 1,870
- Website
- www.nib.com.au
- Address
- 22 Honeysuckle Drive, Newcastle, NSW, 2300, AU
NIB Holdings Ltd (3GU) Earnings & Revenues
3GU Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 11 | 0 | 1 |