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Medibank PvtASX:MPL -0.58%77 3-Year EBITDA Growth Rate is 7.20% as of Dec. 2025, which is at its 10-year median of 7.20. GuruFocus rates ASX:MPL with a GF Score™ of 77/100 and a GF Value™ of A$4.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 289 Insurance companies, Medibank Pvt ranks worse than 68.51% on this metric.
During the past 12 months, Medibank Pvt's average EBITDA Per Share Growth Rate was -3.00% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 7.20% 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 EBITDA per share growth rate.
During the past 11 years, the highest 3-Year average EBITDA Per Share Growth Rate of Medibank Pvt was 7.20% per year. The lowest was 7.20% per year. And the median was 7.20% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Medibank Pvt 3-Year EBITDA Growth Rate Related Terms
ASX:MPL vs FNF, AXS, FAF: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Specialty subindustry, Medibank Pvt's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Medibank Pvt's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 7.20% mean?
Medibank Pvt (ASX:MPL) has a 3-Year EBITDA Growth Rate of 7.20% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Medibank Pvt and its competitors. This is near median its historical median of 7.20. Over the past decade, Medibank Pvt's 3-Year EBITDA Growth Rate has ranged from 7.20 to 7.20. According to the industry distribution chart, Medibank Pvt ranks #198 out of 289 companies in the Insurance industry, placing it in the top 68.5%.
Is Medibank Pvt's 3-Year EBITDA Growth Rate too high?
Medibank Pvt's current 3-Year EBITDA Growth Rate of 7.20% is near median its 10-year median of 7.20. Over the past 10 years, this metric has ranged from a low of 7.20 to a high of 7.20. The Insurance industry median 3-Year EBITDA Growth Rate is 17.70. Medibank Pvt's value of 7.20% is 59.3% below this industry median. Based on the distribution chart, Medibank Pvt ranks #198 out of 289 companies in the Insurance industry, which is below the industry midpoint. Overall, Medibank Pvt has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's 3-Year EBITDA Growth Rate compare to FNF and AXS?
According to the Insurance industry distribution chart, Medibank Pvt ranks #198 out of 289 companies for 3-Year EBITDA Growth Rate. This places Medibank Pvt in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.70. Medibank Pvt's value of 7.20% is 59.3% below this benchmark. Historically, Medibank Pvt's own 3-Year EBITDA Growth Rate has ranged from 7.20 to 7.20 over the past decade. While the company's 10-year median is 7.20 vs. the industry median of 17.70, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.70, based on 289 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 7.20% is 59.3% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Medibank Pvt and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Medibank Pvt's current 3-Year EBITDA Growth Rate is 7.20%, which is near median its own 10-year median of 7.20. 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$5.11 — trading 16.1% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 7.20%, which is near median its 10-year median of 7.20 and 59.3% below the Insurance industry median of 17.70. Medibank Pvt's overall GF Score™ is 77/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Medibank Pvt (ASX:MPL), the current 3-Year EBITDA Growth Rate is 7.20% 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$5.11 is trading 16.1% 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 EBITDA Growth Rate: 7.20% (near median its 10-year median of 7.20)
GF Value™: A$4.40 vs. price of A$5.11 (16.1% above fair value)
Industry Position: 59.3% below the Insurance median (#198 of 289)
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.
77GF Score
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