Mutual Benefits AssuranceNSA:MBAS +5.21%59 EBITDA Margin % is 26.69% as of Dec. 2025, which is 86% above its 10-year median of 14.34. GuruFocus rates NSA:MBAS with a GF Score™ of 59/100 and a GF Value™ of ₦2.25 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 371 Insurance companies, Mutual Benefits Assurance ranks better than 95.69% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Mutual Benefits Assurance EBITDA Margin % Related Terms
Mutual Benefits Assurance EBITDA Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSA:MBAS vs BRK.A, AIG, HIG: EBITDA Margin % Comparison
For the Insurance - Diversified subindustry, Mutual Benefits Assurance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mutual Benefits Assurance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Mutual Benefits Assurance's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mutual Benefits Assurance (NSA:MBAS) has a EBITDA Margin % of 26.69% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Mutual Benefits Assurance and its competitors. This is 86% above median its historical median of 14.34. According to the industry distribution chart, Mutual Benefits Assurance ranks #16 out of 371 companies in the Insurance industry, placing it in the top 4.3%.
Is Mutual Benefits Assurance's EBITDA Margin % too high?
Mutual Benefits Assurance's current EBITDA Margin % of 26.69% is 86% above median its 10-year median of 14.34. The Insurance industry median EBITDA Margin % is 14.91. Mutual Benefits Assurance's value of 26.69% is 79% above this industry median. Based on the distribution chart, Mutual Benefits Assurance ranks #16 out of 371 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 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Benefits Assurance's EBITDA Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mutual Benefits Assurance ranks #16 out of 371 companies for EBITDA Margin %. This places Mutual Benefits Assurance in the top 4% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.91. Mutual Benefits Assurance's value of 26.69% is 79% above this benchmark. While the company's 10-year median is 14.34 vs. the industry median of 14.91, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.91, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mutual Benefits Assurance's current EBITDA Margin % of 26.69% is 79% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Mutual Benefits Assurance and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mutual Benefits Assurance's current EBITDA Margin % is 26.69%, which is 86% above median its own 10-year median of 14.34. 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 ₦2.25, compared to a current price of ₦3.84 — trading 70.7% above its estimated fair value. The current EBITDA Margin % is 26.69%, which is 86% above median its 10-year median of 14.34 and 79% above the Insurance industry median of 14.91. Mutual Benefits Assurance's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Mutual Benefits Assurance (NSA:MBAS), the current EBITDA Margin % is 26.69% 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 ₦3.84 is trading 70.7% above its estimated GF Value™ of ₦2.25.
GuruFocus considers Mutual Benefits Assurance to be Significantly Overvalued.
Key valuation signals for NSA:MBAS:
EBITDA Margin %: 26.69% (86% above median its 10-year median of 14.34)
GF Value™: ₦2.25 vs. price of ₦3.84 (70.7% above fair value)
Industry Position: 79% above the Insurance median (#16 of 371)
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.
59GF Score
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