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NIB HoldingsFRA:3GU 91 EV-to-EBIT is 14.67 as of Aug. 15, 2026, which is 6% above its 10-year median of 13.80. GuruFocus rates FRA:3GU with a GF Score™ of 91/100 and a GF Value™ of €4.80. The stock has 9 warning signs investors should review. Among 345 Insurance companies, NIB Holdings ranks worse than 73.91% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
NIB Holdings's Enterprise Value for the quarter that ended in Dec. 2025 was €1,944 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NIB Holdings's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €155 Mil.
* 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 EV-to-EBIT Related Terms
NIB Holdings EV-to-EBIT Historical Data
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The historical data trend for NIB Holdings's EV-to-EBIT 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.
For the Insurance - Specialty subindustry, NIB Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where NIB Holdings's EV-to-EBIT falls into.
NIB Holdings's current Enterprise Value is €2,277 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NIB Holdings's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €155 Mil.
* 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 (FRA:3GU) has a EV-to-EBIT of 14.67 as of Aug. 15, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on NIB Holdings and its competitors. This is near median its historical median of 13.80. Over the past decade, NIB Holdings' EV-to-EBIT has ranged from 8.51 to 22.58. According to the industry distribution chart, NIB Holdings ranks #255 out of 345 companies in the Insurance industry, placing it in the top 73.9%.
Is NIB Holdings' EV-to-EBIT too high?
NIB Holdings' current EV-to-EBIT of 14.67 is near median its 10-year median of 13.80. Over the past 10 years, this metric has ranged from a low of 8.51 to a high of 22.58. The Insurance industry median EV-to-EBIT is 8.38. NIB Holdings' value of 14.67 is 75.1% above this industry median. Based on the distribution chart, NIB Holdings ranks #255 out of 345 companies in the Insurance industry, which is below the industry midpoint. Overall, NIB Holdings has a GF Score™ of 91/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' EV-to-EBIT compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #255 out of 345 companies for EV-to-EBIT. This places NIB Holdings in the lower half of its industry. The industry median EV-to-EBIT is 8.38. NIB Holdings' value of 14.67 is 75.1% above this benchmark. Historically, NIB Holdings' own EV-to-EBIT has ranged from 8.51 to 22.58 over the past decade. While the company's 10-year median is 13.80 vs. the industry median of 8.38, NIB 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.38, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current EV-to-EBIT of 14.67 is 75.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current EV-to-EBIT is 14.67, which is near median its own 10-year median of 13.80. 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 (FRA:3GU) has a current EV-to-EBIT of 14.67. The stock's GF Value™ is €4.80, compared to a current price of €4.36 — trading 9.2% below its estimated fair value. The current EV-to-EBIT is 14.67, which is near median its 10-year median of 13.80 and 75.1% above the Insurance industry median of 8.38. NIB Holdings' overall GF Score™ is 91/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For NIB Holdings (FRA:3GU), the current EV-to-EBIT is 14.67 as of Aug. 15, 2026. 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 NIB Holdings (FRA:3GU) Overvalued in 2026?
Based on GuruFocus' analysis, NIB Holdings stock appears to be undervalued.
The current stock price of €4.36 is trading 9.2% below its estimated GF Value™ of €4.80.
Key valuation signals for FRA:3GU:
EV-to-EBIT: 14.67 (near median its 10-year median of 13.80)
GF Value™: €4.80 vs. price of €4.36 (9.2% below fair value)
Industry Position: 75.1% above the Insurance median (#255 of 345)
No single metric tells the full story. See the FRA:3GU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
91GF Score
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