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Mutual Benefits AssuranceNSA:MBAS +0.93%61 3-Year EPS without NRI Growth Rate is 63.10% as of Dec. 2025, which is 179% above its 10-year median of 22.60. GuruFocus rates NSA:MBAS with a GF Score™ of 61/100 and a GF Value™ of ₦2.29 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 400 Insurance companies, Mutual Benefits Assurance ranks better than 87% on this metric.
During the past 12 months, Mutual Benefits Assurance's average EPS without NRI Growth Rate was 3.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 63.10% 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 Mutual Benefits Assurance was 63.10% per year. The lowest was -27.20% per year. And the median was 22.60% per year.
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.
Mutual Benefits Assurance 3-Year EPS without NRI Growth Rate Related Terms
NSA:MBAS vs BRK.A, AIG, HIG: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Diversified subindustry, Mutual Benefits Assurance'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.
Mutual Benefits Assurance 3-Year EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Mutual Benefits Assurance's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Mutual Benefits Assurance's 3-Year EPS without NRI Growth Rate falls into.
Mutual Benefits Assurance 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 63.10% mean?
Mutual Benefits Assurance (NSA:MBAS) has a 3-Year EPS without NRI Growth Rate of 63.10% 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 Mutual Benefits Assurance and its competitors. This is 179% above median its historical median of 22.60. According to the industry distribution chart, Mutual Benefits Assurance ranks #52 out of 400 companies in the Insurance industry, placing it in the top 13%.
Is Mutual Benefits Assurance's 3-Year EPS without NRI Growth Rate too high?
Mutual Benefits Assurance's current 3-Year EPS without NRI Growth Rate of 63.10% is 179% above median its 10-year median of 22.60. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.55. Mutual Benefits Assurance's value of 63.10% is 281.3% above this industry median. Based on the distribution chart, Mutual Benefits Assurance ranks #52 out of 400 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Mutual Benefits Assurance has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Benefits Assurance's 3-Year EPS without NRI Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mutual Benefits Assurance ranks #52 out of 400 companies for 3-Year EPS without NRI Growth Rate. This places Mutual Benefits Assurance in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 16.55. Mutual Benefits Assurance's value of 63.10% is 281.3% above this benchmark. While the company's 10-year median is 22.60 vs. the industry median of 16.55, Mutual Benefits Assurance 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 EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.55, based on 400 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. Mutual Benefits Assurance's current 3-Year EPS without NRI Growth Rate of 63.10% is 281.3% 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 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 Mutual Benefits Assurance and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mutual Benefits Assurance's current 3-Year EPS without NRI Growth Rate is 63.10%, which is 179% above median its own 10-year median of 22.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Benefits Assurance stock overvalued right now?
Based on GuruFocus' analysis, Mutual Benefits Assurance (NSA:MBAS) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦2.29, compared to a current price of ₦3.25 — trading 41.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 63.10%, which is 179% above median its 10-year median of 22.60 and 281.3% above the Insurance industry median of 16.55. Mutual Benefits Assurance's overall GF Score™ is 61/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Mutual Benefits Assurance (NSA:MBAS), the current 3-Year EPS without NRI Growth Rate is 63.10% 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 Mutual Benefits Assurance (NSA:MBAS) Overvalued in 2026?
Based on GuruFocus' analysis, Mutual Benefits Assurance stock appears to be overvalued.
The current stock price of ₦3.25 is trading 41.9% above its estimated GF Value™ of ₦2.29.
GuruFocus considers Mutual Benefits Assurance to be Significantly Overvalued.
Key valuation signals for NSA:MBAS:
3-Year EPS without NRI Growth Rate: 63.10% (179% above median its 10-year median of 22.60)
GF Value™: ₦2.29 vs. price of ₦3.25 (41.9% above fair value)
Industry Position: 281.3% above the Insurance median (#52 of 400)
No single metric tells the full story. See the NSA:MBAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mutual Benefits Assurance PLC is a financial and wealth protection company in Nigeria. The principal objective of the Company is to render qualitative life related insurance & risks management services. It is a premium provider of life insurance, annuity and investment products and services. It has four reportable operating segments; assurance business, real estate, microfinance bank, and oil and gas exploration and production. The majority of revenue comes from Assurance business which covers the protection of customers' assets (Particularly their properties, both for personal and commercial business) and indemnification of other parties that have suffered damage as a result of customers accident. It has presence in Nigeria, and Liberia.
61GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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