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Medibank PvtASX:MPL -1.54%73 3-Year EPS without NRI Growth Rate is 8.40% as of Dec. 2025, which is 217% above its 10-year median of 2.65. GuruFocus rates ASX:MPL with a GF Score™ of 73/100 and a GF Value™ of A$4.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 401 Insurance companies, Medibank Pvt ranks worse than 63.84% on this metric.
During the past 12 months, Medibank Pvt's average EPS without NRI Growth Rate was -5.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 8.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 8.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 3.30% 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 EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of Medibank Pvt was 17.40% per year. The lowest was -11.00% per year. And the median was 2.65% per year.
Medibank Pvt (ASX:MPL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Medibank Pvt 3-Year EPS without NRI Growth Rate Related Terms
ASX:MPL vs FNF, AXS, FAF: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Specialty subindustry, Medibank Pvt's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Medibank Pvt's 3-Year EPS without NRI Growth Rate falls into.
Medibank Pvt 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 8.40% mean?
Medibank Pvt (ASX:MPL) has a 3-Year EPS without NRI Growth Rate of 8.40% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Medibank Pvt and its competitors. This is 217% above median its historical median of 2.65. According to the industry distribution chart, Medibank Pvt ranks #256 out of 401 companies in the Insurance industry, placing it in the top 63.8%.
Is Medibank Pvt's 3-Year EPS without NRI Growth Rate too high?
Medibank Pvt's current 3-Year EPS without NRI Growth Rate of 8.40% is 217% above median its 10-year median of 2.65. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.40. Medibank Pvt's value of 8.40% is 48.8% below this industry median. Based on the distribution chart, Medibank Pvt ranks #256 out of 401 companies in the Insurance industry, which is below the industry midpoint. Overall, Medibank Pvt has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's 3-Year EPS without NRI Growth Rate compare to FNF and AXS?
According to the Insurance industry distribution chart, Medibank Pvt ranks #256 out of 401 companies for 3-Year EPS without NRI Growth Rate. This places Medibank Pvt in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.40. Medibank Pvt's value of 8.40% is 48.8% below this benchmark. While the company's 10-year median is 2.65 vs. the industry median of 16.40, Medibank Pvt has consistently been below 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 EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.40, based on 401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 8.40% is 48.8% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Medibank Pvt and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medibank Pvt's current 3-Year EPS without NRI Growth Rate is 8.40%, which is 217% above median its own 10-year median of 2.65. 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 Modestly Overvalued. The stock's GF Value™ is A$4.40, compared to a current price of A$5.13 — trading 16.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 8.40%, which is 217% above median its 10-year median of 2.65 and 48.8% below the Insurance industry median of 16.40. Medibank Pvt's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Medibank Pvt (ASX:MPL), the current 3-Year EPS without NRI Growth Rate is 8.40% as of Dec. 2025. 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 overvalued.
The current stock price of A$5.13 is trading 16.6% above its estimated GF Value™ of A$4.40.
GuruFocus considers Medibank Pvt to be Modestly Overvalued.
Key valuation signals for ASX:MPL:
3-Year EPS without NRI Growth Rate: 8.40% (217% above median its 10-year median of 2.65)
GF Value™: A$4.40 vs. price of A$5.13 (16.6% above fair value)
Industry Position: 48.8% below the Insurance median (#256 of 401)
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.
73GF Score
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