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Mutual Benefits AssuranceNSA:MBAS 45 3-Year EBITDA Growth Rate is 57.50% as of Dec. 2025, which is 1302% above its 10-year median of 4.10. GuruFocus rates NSA:MBAS with a GF Score™ of 45/100 and a GF Value™ of ₦1.42 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 288 Insurance companies, Mutual Benefits Assurance ranks better than 87.5% on this metric.
During the past 12 months, Mutual Benefits Assurance's average EBITDA Per Share Growth Rate was -0.60% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 57.50% 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 Mutual Benefits Assurance was 57.50% per year. The lowest was -20.10% per year. And the median was 4.10% 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.
Mutual Benefits Assurance 3-Year EBITDA Growth Rate Related Terms
NSA:MBAS vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, Mutual Benefits Assurance'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.
Mutual Benefits Assurance 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Mutual Benefits Assurance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Mutual Benefits Assurance'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 57.50% mean?
Mutual Benefits Assurance (NSA:MBAS) has a 3-Year EBITDA Growth Rate of 57.50% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Mutual Benefits Assurance and its competitors. This is 1302% above median its historical median of 4.10. According to the industry distribution chart, Mutual Benefits Assurance ranks #36 out of 288 companies in the Insurance industry, placing it in the top 12.5%.
Is Mutual Benefits Assurance's 3-Year EBITDA Growth Rate too high?
Mutual Benefits Assurance's current 3-Year EBITDA Growth Rate of 57.50% is 1302% above median its 10-year median of 4.10. The Insurance industry median 3-Year EBITDA Growth Rate is 17.35. Mutual Benefits Assurance's value of 57.50% is 231.4% above this industry median. Based on the distribution chart, Mutual Benefits Assurance ranks #36 out of 288 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 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Benefits Assurance's 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mutual Benefits Assurance ranks #36 out of 288 companies for 3-Year EBITDA Growth Rate. This places Mutual Benefits Assurance in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.35. Mutual Benefits Assurance's value of 57.50% is 231.4% above this benchmark. While the company's 10-year median is 4.10 vs. the industry median of 17.35, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.35, based on 288 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. Mutual Benefits Assurance's current 3-Year EBITDA Growth Rate of 57.50% is 231.4% 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 Mutual Benefits Assurance and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mutual Benefits Assurance's current 3-Year EBITDA Growth Rate is 57.50%, which is 1302% above median its own 10-year median of 4.10. 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 ₦1.42, compared to a current price of ₦3.67 — trading 158.5% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 57.50%, which is 1302% above median its 10-year median of 4.10 and 231.4% above the Insurance industry median of 17.35. Mutual Benefits Assurance's overall GF Score™ is 45/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Mutual Benefits Assurance (NSA:MBAS), the current 3-Year EBITDA Growth Rate is 57.50% 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.
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 ₦3.67 is trading 158.5% above its estimated GF Value™ of ₦1.42.
GuruFocus considers Mutual Benefits Assurance to be Significantly Overvalued.
Key valuation signals for NSA:MBAS:
3-Year EBITDA Growth Rate: 57.50% (1302% above median its 10-year median of 4.10)
GF Value™: ₦1.42 vs. price of ₦3.67 (158.5% above fair value)
Industry Position: 231.4% above the Insurance median (#36 of 288)
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.
45GF 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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