NIB Holdings (FRA:3GU) Cash Flow from Operations: €121 Mil (TTM As of Jun. 2026)

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FRA:3GU NIB Holdings Ltd FRA:3GU
92 GF Score
Price €4.02
GF Value €4.55
! 1 Warning Sign
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What is NIB Holdings Cash Flow from Operations?

NIB Holdings FRA:3GU -0.50% 92 Cash Flow from Operations is €121 Mil as of Jun. 2026. GuruFocus rates FRA:3GU with a GF Score™ of 92/100 and a GF Value™ of €4.55. The stock has 1 warning sign investors should review.

Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.

For the six months ended in Jun. 2026, NIB Holdings's Cash Receipts from Operating Activities was €1,253 Mil. Its Cash Payments was €-1,142 Mil. And its Cash Flow from Others was €-0 Mil. In all, NIB Holdings's Cash Flow from Operations for the six months ended in Jun. 2026 was €111 Mil.

NIB Holdings  (FRA:3GU) Cash Flow from Operations Explanation

For financial companies reported in direct method, cash flow from operations contains three items:

1. Cash Receipts from Operating Activities:
Cash Receipts from Operating Activities represents cash received from operating activitiies in direct method.

NIB Holdings's cash receipts from operating activities for the six months ended in Jun. 2026 was €1,253 Mil.

2. Cash Payments:
It represents cash flow paid from operating activities in the direct cash flow method.

NIB Holdings's cash payments for the six months ended in Jun. 2026 was €-1,142 Mil.

3. Cash Flow from Others:
These are cash differences caused by the change of cash receipts and cash payments. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its cash position will grow more slowly (or even shrink).

NIB Holdings's cash flow from others for the six months ended in Jun. 2026 was €-0 Mil.

NIB Holdings Cash Flow from Operations Related Terms

NIB Holdings Cash Flow from Operations Historical Data

* Premium members only.

The historical data trend for NIB Holdings's Cash Flow from Operations can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NIB Holdings Cash Flow from Operations Chart

NIB Holdings Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Cash Flow from Operations
Get a 7-Day Free Trial Premium Member Only Premium Member Only 224.43 152.82 158.60 93.53 121.45

NIB Holdings Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Cash Flow from Operations Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 114.24 -8.77 101.71 9.70 111.02
FRA:3GU
92GF Score
NIB Holdings Ltd FRA:3GU
Cash Flow from Operations is just one metric. See GF Score™, valuation, warning signs, and more.
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NIB Holdings Cash Flow from Operations Calculation

Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.

NIB Holdings's Cash Flow from Operations for the fiscal year that ended in Jun. 2026 is calculated as:

Cash Flow from Operations(A: Jun. 2026 )
=Cash Receipts from Operating Activities+Cash Payments+Cash Flow from Others
=2448.333+-2326.887+0.00100000000009
=121

NIB Holdings's Cash Flow from Operations for the quarter that ended in Jun. 2026 is:

Cash Flow from Operations(Q: Jun. 2026 )
=Cash Receipts from Operating Activities+Cash Payments+Cash Flow from Others
=1252.653+-1141.637+-7.105427357601E-14
=111

Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was €121 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Cash Flow from Operations of €121 Mil mean?
NIB Holdings (FRA:3GU) has a Cash Flow from Operations of €121 Mil as of Jun. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for NIB Holdings and its competitors.
Is NIB Holdings' Cash Flow from Operations too high?
NIB Holdings' current Cash Flow from Operations is €121 Mil. Overall, NIB Holdings has a GF Score™ of 92/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' Cash Flow from Operations compare to FNF and RYAN?
NIB Holdings' Cash Flow from Operations of €121 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Operations for an Insurance company?
A good Cash Flow from Operations depends on the Insurance industry context. However, Cash Flow from Operations should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for NIB Holdings and its competitors. NIB Holdings's current Cash Flow from Operations is €121 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIB Holdings stock overvalued right now?
NIB Holdings (FRA:3GU) has a current Cash Flow from Operations of €121 Mil. The stock's GF Value™ is €4.55, compared to a current price of €4.02 — trading 11.6% below its estimated fair value. The current Cash Flow from Operations is €121 Mil. NIB Holdings' overall GF Score™ is 92/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For NIB Holdings (FRA:3GU), the current Cash Flow from Operations is €121 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NIB Holdings (FRA:3GU) Overvalued in 2026?

Based on GuruFocus' analysis, NIB Holdings stock appears to be undervalued. The current stock price of €4.02 is trading 11.6% below its estimated GF Value™ of €4.55.

Key valuation signals for FRA:3GU:

  • Cash Flow from Operations: €121 Mil
  • GF Value™: €4.55 vs. price of €4.02 (11.6% below fair value)
  • GF Score™: 92/100 with 1 warning sign

No single metric tells the full story. See the FRA:3GU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NIB Holdings Business Description

Other Exchanges NHF:Australia
Address 22 Honeysuckle Drive, Newcastle, NSW, AUS, 2300
NIB Holdings is Australia's fourth-largest health fund. It is a national provider of private health insurance, life insurance, travel insurance, and related healthcare services, with a growing presence in New Zealand. Approximately 55% of the population is covered by private health insurance because of taxation benefits, shorter wait times, a choice of doctor and hospital, and cover of ancillary health services.
92GF Score

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Cash Flow from Operations is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.02
Price
€4.55
GF Value