NIBHF (NIB Holdings) Effective Interest Rate on Debt %: 5.25% (As of Dec. 2025)

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What is NIB Holdings Effective Interest Rate on Debt %?

NIB Holdings NIBHF 88 Effective Interest Rate on Debt % is 5.25% as of Dec. 2025. GuruFocus rates NIBHF with a GF Score™ of 88/100. The stock has 8 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. NIB Holdings's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $10.23 Mil. NIB Holdings's average total debt for the quarter that ended in Dec. 2025 was $194.96 Mil. Therefore, NIB Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.25%.

NIB Holdings  (OTCPK:NIBHF) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

NIB Holdings Effective Interest Rate on Debt % Related Terms

NIB Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for NIB Holdings's Effective Interest Rate on Debt % can be seen below:

* 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.

NIB Holdings Effective Interest Rate on Debt % Chart

NIB Holdings Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.18 1.40 3.79 5.15 5.97

NIB Holdings Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.92 4.62 5.93 5.99 5.25

NIBHF vs FNF, AXS, FAF: Effective Interest Rate on Debt % Comparison

For the Insurance - Specialty subindustry, NIB Holdings's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, NIB Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where NIB Holdings's Effective Interest Rate on Debt % falls into.


NIB Holdings Effective Interest Rate on Debt % Calculation

NIB Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jun. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Jun. 2024 )+Total Debt  (A: Jun. 2025 ))/ count )
=-1  *  -12.109/( (203.718+201.953)/ 2 )
=-1  *  -12.109/202.8355
=5.97 %

where

Total Debt  (A: Jun. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=198.207 + 5.511
=203.718

Total Debt  (A: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=196.029 + 5.924
=201.953

NIB Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -10.232/( (201.953+187.973)/ 2 )
=-1  *  -10.232/194.963
=5.25 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=196.029 + 5.924
=201.953

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=181.86 + 6.113
=187.973

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 5.25% mean?
NIB Holdings (NIBHF) has a Effective Interest Rate on Debt % of 5.25% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NIB Holdings and its competitors.
Is NIB Holdings' Effective Interest Rate on Debt % too high?
NIB Holdings' current Effective Interest Rate on Debt % is 5.25%. Overall, NIB Holdings has a GF Score™ of 88/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' Effective Interest Rate on Debt % compare to FNF and AXS?
NIB Holdings' Effective Interest Rate on Debt % of 5.25% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NIB Holdings and its competitors. NIB Holdings's current Effective Interest Rate on Debt % is 5.25%. 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 Effective Interest Rate on Debt % of 5.25%. The current Effective Interest Rate on Debt % is 5.25%. NIB Holdings' overall GF Score™ is 88/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current Effective Interest Rate on Debt % is 5.25% 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 Business Description

Other Exchanges NHF:Australia
Address 22 Honeysuckle Drive, Newcastle, NSW, AUS, 2300
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.