NIB Holdings Limited (ASX: NHF) - Financials

Current share price for NHF : $6.820 0.02 (0.29%)⁺

NIB Holdings Limited (NHF) is an ASX-listed company and is held by a number of exchange traded funds (ETFs). It is a private health insurer in Australia and New Zealand, whereby it underwrites and distributes private health insurance to Australian and New Zealand residents as well as international students and visitors.

NHF Per Share

Year to Jun	Cashflow	Earnings	Dividends	Franking	Book Value	Average Annual P/E	Relative P/E	Shareholder Return
2026	40.8 ¢	37.6 ¢	34 ¢	85%	$2.36	18.5	100.7%	4%
2025	34.1 ¢	41.4 ¢	29 ¢	100%	$2.28	15.3	109.4%	0.5%
2024	53.1 ¢	44.8 ¢	29 ¢	100%	$2.15	17.1	124%	-9.6%

NHF Historical Financials

	2026	2025	2024
Net Earned Premium ($M)	3,657.7	3,425.8	3,179.5
Claims Expense ($M)	-463.3	-461.3	-439.9
Underwriting Profit ($M)	3,165.2	2,927	2,692.6
Net Loss Ratio (%)	12.7	13.5	13.8
Net Expense Ratio (%)	0.8	1.1	1.5
Combined Ratio (%)	13.5	14.6	15.3
Investment Income ($M)	74.6	29.5	46.9
Unrealised Gains & Losses ($M)	-15.4	52.1	17.6
Net Profit Before Abs ($M)	183.4	201.3	217
Net Profit After Abs ($M)	187.5	199.8	185.6
Income Tax Rate (%)	28.5	25	31.3
Employees ($T)
Shareholders Equity ($M)	1,152.3	1,111.1	1,042.8
Return on Equity (%)	15.9	18.1	20.8
Payout Ratio (%)	90	70	65

NHF Cashflow

	2026	2025	2024
Premiums Received ($M)	3,978	3,733	3,526
Net Operating Cashflow ($M)	199.1	165.7	257.1
Net Investing Cashflow ($M)	3	-74	-98
Net Financing Cashflow ($M)	-205	-128	-125

NHF Market & Earnings

	2026	2025	2024
Market Cap ($M)	3,452	3,448	3,565
Dividend Yield (%)	4.8	4.1	4
NTA Per Share ($)	1.43	1.29	1.03
EBT Before Abs ($M)	256.5	265	296.2
Solvency (%)	31.5	32.4	32.8

NHF Balance Sheet

	2026	2025	2024
Cash ($M)	217	228.8	275.3
Receivables ($M)
Investments ($M)
Other Current Assets ($M)	152.2	149.9	14.9
Total Current Assets ($M)	1,517	1,536	1,426
Receivables ($M)		2.7	5.3
Investments ($M)	14.9	13.6	2.6
Property, Plant & Equipment ($M)	17.9	23.8	30.2
Other Non-Current Assets ($M)	600	610.6	650.1
Total Non-Current Assets ($M)	632.8	650.7	688.2
Total Assets ($M)	2,150	2,187	2,115
Current Unearned Premium ($M)
Claims Outstanding ($M)
Current Accounts Payable ($M)	107.5	116.3	115.8
Short Term Debt ($M)	23.3	21.5	8.3
Current Provisions ($M)	13.8	17.2	16.3
Other Current Liabilities ($M)	549.6	533.6	539.5
Total Current Liabilities ($M)	694.2	688.6	679.9
Non-Current Unearned Premium ($M)
Claims Outstanding ($M)
Non-Current Accounts Payable ($M)
Long Term Debt ($M)	220.4	301.1	298.5
Non-Current Provisions ($M)	34.5	37.2	35
Other Non-Current Liabilities ($M)	48.7	49.2	57.4
Total Non-Current Liabilities ($M)	303.6	387.5	390.9
Total Liabilities ($M)	997.8	1,076.1	1,070.8
Net Assets ($M)	1,152	1,111	1,043
Outside Equity ($M)			1

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