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NICO HoldingsMSW:NICO -0.03%79 3-Year EBITDA Growth Rate is 120.40% as of Dec. 2025, which is 11% above its 10-year median of 108.05. GuruFocus rates MSW:NICO with a GF Score™ of 79/100 and a GF Value™ of MWK1,272.55 (Fairly Valued). The stock has 2 warning signs investors should review. Among 292 Insurance companies, NICO Holdings ranks better than 96.23% on this metric.
During the past 12 months, NICO Holdings's average EBITDA Per Share Growth Rate was 89.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 120.40% 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 5 years, the highest 3-Year average EBITDA Per Share Growth Rate of NICO Holdings was 120.40% per year. The lowest was 95.70% per year. And the median was 108.05% 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.
NICO Holdings 3-Year EBITDA Growth Rate Related Terms
MSW:NICO vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, NICO Holdings'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.
NICO Holdings 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, NICO Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where NICO Holdings'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 120.40% mean?
NICO Holdings (MSW:NICO) has a 3-Year EBITDA Growth Rate of 120.40% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for NICO Holdings and its competitors. This is 11% above median its historical median of 108.05. Over the past decade, NICO Holdings' 3-Year EBITDA Growth Rate has ranged from 95.70 to 120.40. According to the industry distribution chart, NICO Holdings ranks #11 out of 292 companies in the Insurance industry, placing it in the top 3.8%.
Is NICO Holdings' 3-Year EBITDA Growth Rate too high?
NICO Holdings' current 3-Year EBITDA Growth Rate of 120.40% is 11% above median its 10-year median of 108.05. Over the past 10 years, this metric has ranged from a low of 95.70 to a high of 120.40. The Insurance industry median 3-Year EBITDA Growth Rate is 17.05. NICO Holdings' value of 120.40% is 606.2% above this industry median. Based on the distribution chart, NICO Holdings ranks #11 out of 292 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, NICO Holdings has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NICO Holdings' 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NICO Holdings ranks #11 out of 292 companies for 3-Year EBITDA Growth Rate. This places NICO Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.05. NICO Holdings' value of 120.40% is 606.2% above this benchmark. Historically, NICO Holdings' own 3-Year EBITDA Growth Rate has ranged from 95.70 to 120.40 over the past decade. While the company's 10-year median is 108.05 vs. the industry median of 17.05, NICO Holdings 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.05, based on 292 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. NICO Holdings's current 3-Year EBITDA Growth Rate of 120.40% is 606.2% 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 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 NICO Holdings and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NICO Holdings's current 3-Year EBITDA Growth Rate is 120.40%, which is 11% above median its own 10-year median of 108.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NICO Holdings stock overvalued right now?
Based on GuruFocus' analysis, NICO Holdings (MSW:NICO) is currently considered Fairly Valued. The stock's GF Value™ is MWK1,272.55, compared to a current price of MWK1,347.52 — trading 5.9% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 120.40%, which is 11% above median its 10-year median of 108.05 and 606.2% above the Insurance industry median of 17.05. NICO Holdings' overall GF Score™ is 79/100 with 2 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 NICO Holdings (MSW:NICO), the current 3-Year EBITDA Growth Rate is 120.40% 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 NICO Holdings (MSW:NICO) Overvalued in 2026?
Based on GuruFocus' analysis, NICO Holdings stock appears to be overvalued.
The current stock price of MWK1,347.52 is trading 5.9% above its estimated GF Value™ of MWK1,272.55.
GuruFocus considers NICO Holdings to be Fairly Valued.
Key valuation signals for MSW:NICO:
3-Year EBITDA Growth Rate: 120.40% (11% above median its 10-year median of 108.05)
GF Value™: MWK1,272.55 vs. price of MWK1,347.52 (5.9% above fair value)
Industry Position: 606.2% above the Insurance median (#11 of 292)
No single metric tells the full story. See the MSW:NICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NICO Holdings PLC is a Malawi-based financial service company that operates in diversified business. Its segments include Life Insurance and Pension, General Insurance business, Banking business, Investment Holding, Asset Management, and Information Technology. Its general insurance segment offers personal and commercial insurance covering motor vehicle, building, road construction, liability, engineering, professional indemnity, marine hull & cargo, fire, and personal accidents throughout Malawi, Zambia, Tanzania, and Uganda. In contrast, life insurance and pension products including Endowment Assurance are offered in Malawi and Mozambique. The majority of the revenue is earned from the Insurance sector. while its Asset Management and Banking segments only operate in Malawi.
79GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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