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nib holdings limited, together with its subsidiaries, engages in the underwriting and distribution of private health, life, and living insurance to residents, international students, and visitors in Australia and New Zealand. The company operates in six segments: Australian Residents Health Insurance, International (Inbound) Health Insurance, New Zealand Insurance, nib Travel, nib Thrive, and nib Health Services. It also offers travel and disability insurance products. In addition, the company provides health and wellbeing, telehealth, and treatment delivery services, as well as health management programs. Further, it provides digital marketplace platform under the national disability insurance scheme (NDIS). The company was founded in 1952 and is based in Newcastle, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
nib Holdings Limited is an Australian health insurer offering private health, travel and related insurance products in Australia, New Zealand and select international markets.
Long-term growth may be supported by demographic-driven healthcare demand, membership gains, product diversification and digital distribution, and investors may value the recurring premium revenue, cross-market scale and potential for improved underwriting and cost efficiency.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | 258.40M | 259.20M | 265.80M | 284.50M | 190.80M |
| Minority interest | 0.60M | 1.20M | 4.00M | - | - |
| Net income | 187.50M | 199.80M | 185.60M | 191.10M | 133.80M |
| Gross profit | 399.60M | 3127.90M | 3402.20M | 3123.40M | 2740.50M |
| Reconciled depreciation | 55.60M | 46.80M | 44.90M | 37.10M | 31.70M |
| Ebit | 272.80M | 277.80M | 281.30M | 263.80M | 195.20M |
| Ebitda | 343.50M | 324.60M | 324.50M | 300.90M | 226.90M |
| Depreciation and amortization | 70.70M | 46.80M | 43.20M | 37.10M | 31.70M |
| Operating income | 258.40M | 277.80M | 221.50M | 263.80M | 195.20M |
| Other operating expenses | 3558.90M | 638.90M | 3220.40M | 2876.00M | 2585.00M |
| Interest expense | 14.40M | 18.60M | 17.60M | 11.70M | 4.40M |
| Tax provision | 73.70M | 64.90M | 83.20M | 92.80M | 57.00M |
| Interest income | 16.80M | 17.70M | 16.70M | 12.20M | 2.90M |
| Net interest income | -14.40M | -18.60M | -17.60M | -14.00M | -7.00M |
| Extraordinary items | - | 4.30M | -1.00M | -0.60M | - |
| Income tax expense | 73.70M | 64.90M | 83.20M | 92.80M | 57.00M |
| Total revenue | 3817.30M | 3589.20M | 3441.90M | 3123.40M | 2740.50M |
| Total operating expenses | 141.20M | 177.60M | 3220.40M | -2859.60M | -2545.30M |
| Cost of revenue | 3417.70M | 461.30M | 39.70M | - | - |
| Total other income expense net | 29.40M | -18.60M | 44.30M | 20.10M | -4.40M |
| Discontinued operations | - | - | - | -0.60M | -1.20M |
| Net income from continuing ops | 184.70M | 194.30M | 182.60M | 191.70M | 133.80M |
| Net income applicable to common shares | - | 199.80M | 185.60M | 197.00M | 135.70M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 2150.10M | 2187.20M | 2114.60M | 2130.00M | 1880.40M |
| Intangible assets | 139.60M | 156.20M | 169.90M | 118.80M | 104.00M |
| Other current assets | - | - | 1540.80M | 2.30M | 757.10M |
| Total liab | 997.80M | 1076.10M | 1070.80M | 1146.10M | 1146.10M |
| Total stockholder equity | 1138.80M | 1111.10M | 1029.10M | 980.90M | 734.30M |
| Other current liab | -20.00M | - | 105.60M | -33.20M | 495.60M |
| Common stock | 344.20M | - | 319.50M | 302.50M | 138.20M |
| Capital stock | 340.90M | 325.90M | 314.10M | 302.50M | 138.20M |
| Retained earnings | 841.50M | 795.20M | 726.40M | 672.90M | 589.10M |
| Other liab | - | - | - | 50.70M | 28.50M |
| Good will | 315.20M | 324.70M | 371.10M | 364.80M | 236.30M |
| Other assets | - | - | - | 882.90M | 2476.20M |
| Cash | 217.00M | 228.80M | 275.30M | 243.00M | 206.90M |
| Cash and equivalents | - | - | - | 16.40M | 23.30M |
| Total current liabilities | - | - | 140.90M | 33.20M | 38.30M |
| Current deferred revenue | - | - | 7.60M | - | - |
| Net debt | 12.50M | 47.80M | 31.50M | 48.80M | 104.80M |
| Short term debt | 20.00M | - | 8.30M | 8.60M | 9.10M |
| Short long term debt | - | - | - | 1.10M | 2.10M |
| Short long term debt total | 229.50M | - | 306.80M | 291.80M | 311.70M |
| Other stockholder equity | -3.30M | - | -5.40M | 13.70M | 14.20M |
| Property plant equipment | - | - | - | 30.80M | 30.00M |
| Total current assets | 382.60M | - | 1540.80M | 539.60M | 1284.60M |
| Long term investments | 150.20M | 189.40M | 187.10M | 193.10M | 225.50M |
| Net tangible assets | - | - | - | 497.30M | 394.00M |
| Short term investments | 135.30M | 175.80M | 1090.90M | 177.10M | 206.30M |
| Net receivables | 165.60M | 15.00M | 50.60M | 119.50M | 114.30M |
| Long term debt | 204.80M | 276.60M | 264.60M | 244.80M | 258.80M |
| Inventory | - | - | -510.40M | - | - |
| Accounts payable | 17.60M | 19.20M | 19.40M | 24.60M | 29.20M |
| Accumulated other comprehensive income | -43.60M | - | -11.40M | -8.20M | -7.20M |
| Non currrent assets other | 171.00M | - | -119.30M | -707.50M | - |
| Non current assets total | 1767.50M | - | 573.80M | 707.50M | 595.80M |
| Capital lease obligations | 24.50M | 33.60M | 42.20M | 45.90M | 50.80M |
| Long term debt total | - | - | - | 283.20M | 302.60M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | 37.00M | -74.20M | -98.10M | -236.50M | -193.40M |
| Change to liabilities | - | - | - | 98.90M | -0.60M |
| Total cashflows from investing activities | -0.50M | -74.20M | -98.10M | -236.50M | -259.30M |
| Net borrowings | -63.80M | 10.70M | 12.70M | -21.80M | 21.80M |
| Total cash from financing activities | -201.60M | -128.20M | -125.20M | 26.00M | -84.40M |
| Change to operating activities | - | - | - | -60.10M | 76.60M |
| Net income | 187.50M | 199.80M | 186.60M | 191.10M | 133.80M |
| Change in cash | -11.80M | -35.60M | 33.40M | 37.10M | -7.50M |
| Begin period cash flow | 228.80M | 275.30M | 241.90M | 204.80M | 212.30M |
| End period cash flow | 217.00M | 239.70M | 275.30M | 241.90M | 204.80M |
| Total cash from operating activities | 199.10M | 165.70M | 257.10M | 246.70M | 165.50M |
| Issuance of capital stock | - | - | 12.70M | 167.90M | 9.00M |
| Depreciation | 70.70M | - | 43.20M | 12.90M | 31.70M |
| Other cashflows from investing activities | - | -20.60M | -49.50M | -184.20M | -232.70M |
| Dividends paid | 128.30M | 119.20M | 145.10M | 113.20M | 114.30M |
| Change to account receivables | - | - | 3.50M | -6.00M | -5.60M |
| Sale purchase of stock | -1.60M | -7.00M | -5.50M | -6.90M | -0.90M |
| Other cashflows from financing activities | -7.90M | -12.70M | -98.10M | 15.00M | 30.00M |
| Change to netincome | - | - | - | 21.80M | 67.40M |
| Capital expenditures | 34.40M | 53.60M | 48.60M | 52.30M | 26.60M |
| Change in working capital | -15.50M | -27.40M | 15.50M | 50.10M | 24.70M |
| Stock based compensation | - | - | 4.93M | 5.38M | 3.94M |
| Other non cash items | -43.60M | 193.10M | 6.87M | 46.42M | -165.50M |
| Free cash flow | 164.70M | 112.10M | 208.50M | 194.40M | 138.90M |
Sector: Financial Services Industry: Insurance - Specialty
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| NHF NIB Holdings Ltd |
-0.01 0.15% |
6.76 | 17.82 | 15.43 | 0.87 | 2.85 | 0.87 |
| MPL Medibank Private Ltd |
0.06 1.17% |
5.21 | 22.39 | 18.98 | 1.53 | 5.82 | 1.48 |
| HLI Helia Group Ltd |
0.05 1.01% |
5.00 | 6.22 | 7.25 | 3.10 | 1.44 | 2.95 |
nib holdings limited, together with its subsidiaries, engages in the underwriting and distribution of private health, life, and living insurance to residents, international students, and visitors in Australia and New Zealand. The company operates in six segments: Australian Residents Health Insurance, International (Inbound) Health Insurance, New Zealand Insurance, nib Travel, nib Thrive, and nib Health Services. It also offers travel and disability insurance products. In addition, the company provides health and wellbeing, telehealth, and treatment delivery services, as well as health management programs. Further, it provides digital marketplace platform under the national disability insurance scheme (NDIS). The company was founded in 1952 and is based in Newcastle, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Mark Anthony Fitzgibbon F.A.C.I.D., M.A., M.B.A., MBA (UTS), ALCA, MArts ( | MD, CEO & Exec. Director | 1960 |
| Mr. Nick Freeman B.Com., BCom, C.A., CA | Group Chief Financial Officer | NA |
| Mr. Matt Paterson | Group Chief Operations Officer | NA |
| Mr. Brendan Mills | Group Chief Information Officer | NA |
| Ms. Roslyn Maree Toms B.A., L.L.B., LLB (UNSW) | Chief Risk Officer, Group Exec. of Legal & Company Sec. | NA |
| Mr. Martin Adlington | Group Chief People Officer & Chief Exec. of nib Thrive | NA |
| Mr. Edward Close | Chief Exec. of Australian Residents Health Insurance | NA |
| Mr. James Barr | Chief Exec. of International Visitors | NA |
| Mr. Rob Hennin | Chief Exec. Officer of NIB New Zealand | NA |
| Ms. Anna Elizabeth Gladman | Chief Exec. Officer of nib Travel | NA |
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