profit from every A$100 of sales.
A$0A$100
nib holdings
A$6.90+0.58% today
-3.8% in 1 year
1-year low A$5.811-year high A$7.66
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay A$16.95 for every A$1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What nib holdings sold, what it kept, and what it did with the cash.
Sales went from A$2.74 billion in 2022 to A$3.59 billion in 2025, with A$200 million of profit last year.
SalesProfit
nib holdings handed back more cash to shareholders than it generated last year.
A$119M
Free cash flow 2025A$112M
Bought back its own sharesA$7M
Paid as dividendsA$119M
Cash vs. debtA$229M vs. A$310M
nib holdings vs. similar companies
nib holdings grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from A$100 of sales | Sales growth a year | Price per A$1 of profit |
|---|---|---|---|
| nib holdings | 16.9× · Fair price | ||
 Assurant | 18.2× · Fair price | ||
 Fidelity National Financial | 19.7× · Fair price | ||
 Beazley | 8.5× · Cheap | ||
 Medibank Private | 29.5× · Fair price |
AI analysis
An AI analyst reads nib holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,741 | 3,123 | 3,402 | 3,589 | |
| – | – | – | – | |
| – | – | – | – | |
| 227 | 333 | 326 | 325 | |
| 134 | 191 | 186 | 200 | |
| 0.30 | 0.40 | 0.38 | 0.41 | |
| – | – | – | – | |
| – | – | – | – | |
| 4.9% | 6.1% | 5.5% | 5.6% |
Balance sheet
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,880 | 2,130 | 2,115 | 2,187 |
| Cash | 207 | 243 | 275 | 229 |
| Total debt | 312 | 292 | 307 | 310 |
| Total liabilities | 1,146 | 1,146 | 1,071 | 1,076 |
| 734 | 981 | 1,043 | 1,111 | |
| 458 | 476 | 484 | 486 | |
| 13.1% | 16.3% | 14.6% | 13.7% | |
| 18.2% | 19.5% | 17.8% | 18.0% |
Cash flow
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| – | – | – | – | |
| 27 | 52 | 49 | 54 | |
| 311 | 194 | 209 | 112 | |
| Dividends paid | 114 | 113 | 145 | 119 |
| 1 | 7 | 6 | 7 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 16.9×
- –
- 1.47
- 3.1×
- 0.9×
- 5.9%
- 3.5%
Profitability
- 5.6%
- 13.7%
- 14.4%
- –
- –
Growth
- +9.4%
- +11.6%
- –
- +2.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 17%of 758
Bottom 38%of 874
Top 50%of 887
Bottom 43%of 933
3.5%of the share price, paid each year
On $1,000 invested$35a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
59.7% of its profit
Room to growStretchedMore than it earns: 106.3%
News
Stock Market Today, Nov. 9: Grab Holdings Jumps on Record Adjusted EBITDA and Q3 Revenue BeatYahoo Finance · Nov 9, 2026DHT Holdings Q3 2026 Earnings PreviewSeeking Alpha · Nov 8, 2026Why ASML Holdings Fell in OctoberYahoo Finance · Nov 8, 2026Cannae Holdings Q3 2026 Earnings PreviewSeeking Alpha · Nov 8, 2026Why Koppers Holdings Stock Flopped on FridayYahoo Finance · Nov 7, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
58No pass
Philip Fisher
53No pass
Peter Lynch
52No pass
Joel Greenblatt
44No pass
Charlie Munger
44No pass
Terry Smith
34No pass
Questions about nib holdings
Is nib holdings a good stock to buy?
A business with weak numbers at a fair price. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the nib holdings AI analysis
What does nib holdings do?
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. It is in Insurance - Specialty, based in Newcastle, NSW, Australia.
Does nib holdings pay a dividend?
Yes. At today's price the dividend is 3.5% a year, about 60% of its yearly profit. In 2025 it paid out A$119 million in dividends.
Is nib holdings stock halal?
No. nib holdings does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has nib holdings stock done over the past year?
Down 3.8% over the past twelve months, to A$6.90. It traded between A$5.81 and A$7.66 and is 9.9% below its high.
Who are nib holdings's competitors?
The largest listed companies in the same industry are Assurant, Fidelity National Financial, Beazley and Medibank Private. The peers table on this page compares their profit, growth and price with nib holdings's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.