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Medibank PvtASX:MPL -1.49%83 3-Year FCF Growth Rate is 43.30% as of Jun. 2026, which is 164% above its 10-year median of 16.40. GuruFocus rates ASX:MPL with a GF Score™ of 83/100 and a GF Value™ of A$4.73 (Fairly Valued). The stock has 1 warning sign investors should review. Among 343 Insurance companies, Medibank Pvt ranks better than 80.17% on this metric.
During the past 12 months, Medibank Pvt's average Free Cash Flow per Share Growth Rate was 35.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 43.30% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was -5.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 12 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Medibank Pvt was 43.30% per year. The lowest was -35.90% per year. And the median was 16.40% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Medibank Pvt 3-Year FCF Growth Rate Related Terms
ASX:MPL vs FNF, RYAN, FAF: 3-Year FCF Growth Rate Comparison
For the Insurance - Specialty subindustry, Medibank Pvt's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Medibank Pvt 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Medibank Pvt's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 43.30% mean?
Medibank Pvt (ASX:MPL) has a 3-Year FCF Growth Rate of 43.30% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Medibank Pvt and its competitors. This is 164% above median its historical median of 16.40. According to the industry distribution chart, Medibank Pvt ranks #68 out of 343 companies in the Insurance industry, placing it in the top 19.8%.
Is Medibank Pvt's 3-Year FCF Growth Rate too high?
Medibank Pvt's current 3-Year FCF Growth Rate of 43.30% is 164% above median its 10-year median of 16.40. The Insurance industry median 3-Year FCF Growth Rate is 12.50. Medibank Pvt's value of 43.30% is 246.4% above this industry median. Based on the distribution chart, Medibank Pvt ranks #68 out of 343 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Medibank Pvt has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's 3-Year FCF Growth Rate compare to FNF and RYAN?
According to the Insurance industry distribution chart, Medibank Pvt ranks #68 out of 343 companies for 3-Year FCF Growth Rate. This places Medibank Pvt in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 12.50. Medibank Pvt's value of 43.30% is 246.4% above this benchmark. While the company's 10-year median is 16.40 vs. the industry median of 12.50, Medibank Pvt has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 12.50, based on 343 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Medibank Pvt's current 3-Year FCF Growth Rate of 43.30% is 246.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Medibank Pvt and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medibank Pvt's current 3-Year FCF Growth Rate is 43.30%, which is 164% above median its own 10-year median of 16.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medibank Pvt stock overvalued right now?
Based on GuruFocus' analysis, Medibank Pvt (ASX:MPL) is currently considered Fairly Valued. The stock's GF Value™ is A$4.73, compared to a current price of A$4.62 — trading 2.3% below its estimated fair value. The current 3-Year FCF Growth Rate is 43.30%, which is 164% above median its 10-year median of 16.40 and 246.4% above the Insurance industry median of 12.50. Medibank Pvt's overall GF Score™ is 83/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Medibank Pvt (ASX:MPL), the current 3-Year FCF Growth Rate is 43.30% 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 Medibank Pvt (ASX:MPL) Overvalued in 2026?
Based on GuruFocus' analysis, Medibank Pvt stock appears to be undervalued.
The current stock price of A$4.62 is trading 2.3% below its estimated GF Value™ of A$4.73.
GuruFocus considers Medibank Pvt to be Fairly Valued.
Key valuation signals for ASX:MPL:
3-Year FCF Growth Rate: 43.30% (164% above median its 10-year median of 16.40)
GF Value™: A$4.73 vs. price of A$4.62 (2.3% below fair value)
Industry Position: 246.4% above the Insurance median (#68 of 343)
No single metric tells the full story. See the ASX:MPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Previously owned by the Australian government, Medibank is the largest health insurer in Australia. Its two brands, Medibank Private and Ahm, cover around 5 million people. Medibank and Australia's fourth-largest health fund, NIB Holdings, are the only listed health insurers. In addition to private health insurance, the firm provides life, pet, and travel insurance, as well as health insurance for overseas students and temporary overseas workers. The Medibank Health division provides healthcare services to businesses, governments, and communities across Australia and New Zealand.
83GF Score
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