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NIB HoldingsNIBHF 94 3-Year EBITDA Growth Rate is 10.50% as of Dec. 2025, which is 12% below its 10-year median of 11.95. GuruFocus rates NIBHF with a GF Score™ of 94/100. The stock has 8 warning signs investors should review. Among 292 Insurance companies, NIB Holdings ranks worse than 60.62% on this metric.
During the past 12 months, NIB Holdings's average EBITDA Per Share Growth Rate was 9.00% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 10.50% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 11.10% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 7.70% 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 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of NIB Holdings was 23.40% per year. The lowest was -6.60% per year. And the median was 11.95% 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.
NIB Holdings 3-Year EBITDA Growth Rate Related Terms
NIBHF vs FNF, AXS, FAF: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Specialty subindustry, NIB 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.
NIB Holdings 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where NIB 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 10.50% mean?
NIB Holdings (NIBHF) has a 3-Year EBITDA Growth Rate of 10.50% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for NIB Holdings and its competitors. This is 12% below median its historical median of 11.95. According to the industry distribution chart, NIB Holdings ranks #177 out of 292 companies in the Insurance industry, placing it in the top 60.6%.
Is NIB Holdings' 3-Year EBITDA Growth Rate too high?
NIB Holdings' current 3-Year EBITDA Growth Rate of 10.50% is 12% below median its 10-year median of 11.95. The Insurance industry median 3-Year EBITDA Growth Rate is 16.30. NIB Holdings' value of 10.50% is 35.6% below this industry median. Based on the distribution chart, NIB Holdings ranks #177 out of 292 companies in the Insurance industry, which is below the industry midpoint. Overall, NIB Holdings has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' 3-Year EBITDA Growth Rate compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #177 out of 292 companies for 3-Year EBITDA Growth Rate. This places NIB Holdings in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.30. NIB Holdings' value of 10.50% is 35.6% below this benchmark. While the company's 10-year median is 11.95 vs. the industry median of 16.30, NIB Holdings 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 16.30, 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. NIB Holdings's current 3-Year EBITDA Growth Rate of 10.50% is 35.6% 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 NIB Holdings and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current 3-Year EBITDA Growth Rate is 10.50%, which is 12% below median its own 10-year median of 11.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIB Holdings stock overvalued right now?
NIB Holdings (NIBHF) has a current 3-Year EBITDA Growth Rate of 10.50%. The current 3-Year EBITDA Growth Rate is 10.50%, which is 12% below median its 10-year median of 11.95 and 35.6% below the Insurance industry median of 16.30. NIB Holdings' overall GF Score™ is 94/100 with 8 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 NIB Holdings (NIBHF), the current 3-Year EBITDA Growth Rate is 10.50% 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.
NIB Holdings is Australia's fourth-largest health fund. It is a national provider of private health insurance, life insurance, travel insurance, and related healthcare services, with a growing presence in New Zealand. Approximately 55% of the population is covered by private health insurance because of taxation benefits, shorter wait times, a choice of doctor and hospital, and cover of ancillary health services.
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