Nib (NHF) Stock Price, Fundamentals & Analysis

What NHF does

Nib (NHF) is a stock listed on the ASX in the Financial Services sector, under the Insurance - Specialty industry. The company, headquartered in Newcastle, Australia, operates as a health and life insurer, underwriting and distributing private health, life, and living insurance to residents, international students, and visitors in Australia and New Zealand. Nib runs six business segments, including Australian Residents Health Insurance, International (Inbound) Health Insurance, New Zealand Insurance, nib Travel, nib Thrive, and nib Health Services, and also provides travel and disability insurance, telehealth, treatment delivery, health management programs, and a digital marketplace platform under the National Disability Insurance Scheme (NDIS). The company was founded in 1952.

Key numbers explained

• 6.44 AUD is the current share price, the amount you would pay for one share on the market today.
• The trailing P/E ratio of 16.9 shows how much investors pay per dollar of the company's last 12 months of earnings; a higher number can mean the market expects faster growth.
• The forward P/E ratio of 12.8 uses expected future earnings, which can make the stock look cheaper if those expectations hold.
• The dividend yield of 4.5% tells you the annual cash payout relative to the share price, indicating the income return if the dividend stays at that level.
• Earnings per share of 0.38 AUD (trailing 12 months) is the portion of net profit allocated to each outstanding share.
• The ex-dividend date of Sep 3, 2026 is the cutoff: you must own the stock before this date to receive the next dividend payment.
• 77% of earnings paid out as dividends shows how much of the company's profit is returned to shareholders versus retained for growth or other uses.
• Beta of 0.08 suggests the stock's price tends to move much less than the overall market, which can mean lower volatility.
• Market cap of 3.15 mld. AUD is the total value of all outstanding shares, used to classify the company's size.
• Revenue of 3.81 mld. AUD (trailing 12 months) with 4.6% year-over-year growth shows the top-line scale and pace of top-line expansion.
• Profit margin of 4.9% and operating margin of 7.7% measure how much of each revenue dollar turns into net profit and operating profit, respectively.
• Return on equity of 16.4% indicates how effectively the company generates profit from shareholders' capital.
• Debt-to-equity of 19.9% shows the proportion of debt relative to equity, a common gauge of financial leverage.
• Price-to-book of 2.73 compares the share price to the company's book value per share, reflecting what the market values the net assets at.
• The 52-week range of 5.79 – 7.73 and the -14.1% price change over the last 52 weeks show the recent price volatility and year-over-year performance.

What to watch

Nib operates in the health and life insurance sector, where results are sensitive to medical cost inflation, regulatory changes in Australia and New Zealand, and shifts in consumer insurance demand. As a component of the ASX 200, its performance can be influenced by broader market movements and investor sentiment toward financial services stocks. Investors often compare insurance companies with peers such as Australian Foundation Investment Company (AFI), Pinnacle Investment Management (PNI), Commonwealth Bank (CBA), WAM Leaders (WLE), Computershare (CPU), Bendigo & Adelaide Bank (BEN), and Macquarie Group (MQG) to understand relative valuation and business mix. The upcoming earnings date of Aug 24, 2026 is a key calendar event that can drive price reactions.