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NIB HoldingsFRA:3GU 91 EV-to-EBITDA is 12.39 as of Aug. 16, 2026, which is 2% above its 10-year median of 12.13. GuruFocus rates FRA:3GU with a GF Score™ of 91/100 and a GF Value™ of €4.80. The stock has 8 warning signs investors should review. Among 347 Insurance companies, NIB Holdings ranks worse than 68.59% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, NIB Holdings's enterprise value is €2,277 Mil.
NIB Holdings's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €184 Mil. Therefore, NIB Holdings's EV-to-EBITDA for today is 12.39.
The historical rank and industry rank for NIB Holdings's EV-to-EBITDA or its related term are showing as below:
FRA:3GU'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.65 Med: 12.13 Max: 18.02
Current: 11.45
During the past 13 years, the highest EV-to-EBITDA of NIB Holdings was 18.02. The lowest was 7.65. And the median was 12.13.
FRA:3GU's EV-to-EBITDA is ranked worse than 68.59% of 347
companies
in the Insurance industry
Industry Median: 8.11
vs FRA:3GU: 11.45
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
NIB Holdings's PE Ratio (TTM) for today is calculated as:
NIB Holdings's share price for today is €4.36.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NIB Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.232.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for NIB Holdings's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where NIB Holdings's EV-to-EBITDA 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 EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €184 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-EBITDA of 12.39 as of Aug. 16, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on NIB Holdings. This is near median its historical median of 12.13. Over the past decade, NIB Holdings' EV-to-EBITDA has ranged from 7.65 to 18.02. According to the industry distribution chart, NIB Holdings ranks #238 out of 347 companies in the Insurance industry, placing it in the top 68.6%.
Is NIB Holdings' EV-to-EBITDA too high?
NIB Holdings' current EV-to-EBITDA of 12.39 is near median its 10-year median of 12.13. Over the past 10 years, this metric has ranged from a low of 7.65 to a high of 18.02. The Insurance industry median EV-to-EBITDA is 8.11. NIB Holdings' value of 12.39 is 52.8% above this industry median. Based on the distribution chart, NIB Holdings ranks #238 out of 347 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-EBITDA compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #238 out of 347 companies for EV-to-EBITDA. This places NIB Holdings in the lower half of its industry. The industry median EV-to-EBITDA is 8.11. NIB Holdings' value of 12.39 is 52.8% above this benchmark. Historically, NIB Holdings' own EV-to-EBITDA has ranged from 7.65 to 18.02 over the past decade. While the company's 10-year median is 12.13 vs. the industry median of 8.11, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.11, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current EV-to-EBITDA of 12.39 is 52.8% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on NIB Holdings. For the Insurance industry, the median EV-to-EBITDA is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current EV-to-EBITDA is 12.39, which is near median its own 10-year median of 12.13. 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-EBITDA of 12.39. 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-EBITDA is 12.39, which is near median its 10-year median of 12.13 and 52.8% above the Insurance industry median of 8.11. NIB Holdings' overall GF Score™ is 91/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For NIB Holdings (FRA:3GU), the current EV-to-EBITDA is 12.39 as of Aug. 16, 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-EBITDA: 12.39 (near median its 10-year median of 12.13)
GF Value™: €4.80 vs. price of €4.36 (9.2% below fair value)
Industry Position: 52.8% above the Insurance median (#238 of 347)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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