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NIB HoldingsNIBHF 95 Equity-to-Asset is 0.54 as of Jun. 2026, which is 32% above its 10-year median of 0.41. GuruFocus rates NIBHF with a GF Score™ of 95/100. The stock has 1 warning sign investors should review. Among 503 Insurance companies, NIB Holdings ranks better than 86.68% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. NIB Holdings's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $809.77 Mil. NIB Holdings's Total Assets for the quarter that ended in Jun. 2026 was $1,510.96 Mil.
Therefore, NIB Holdings's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.54.
The historical rank and industry rank for NIB Holdings's Equity-to-Asset or its related term are showing as below:
NIBHF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.36 Med: 0.41 Max: 0.54
Current: 0.54
During the past 13 years, the highest Equity to Asset Ratio of NIB Holdings was 0.54. The lowest was 0.36. And the median was 0.41.
NIBHF's Equity-to-Asset is ranked better than 86.68% of 503
companies
in the Insurance industry
Industry Median: 0.26
vs NIBHF: 0.54
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
NIB Holdings Equity-to-Asset Related Terms
NIB Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for NIB Holdings's Equity-to-Asset 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.
NIBHF vs FNF, AXS, FAF: Equity-to-Asset Comparison
For the Insurance - Specialty subindustry, NIB Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where NIB Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
NIB Holdings's Equity to Asset Ratio for the fiscal year that ended in Jun. 2026 is calculated as
* 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 (NIBHF) has a Equity-to-Asset of 0.54 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on NIB Holdings and its competitors. This is 32% above median its historical median of 0.41. Over the past decade, NIB Holdings' Equity-to-Asset has ranged from 0.36 to 0.54. According to the industry distribution chart, NIB Holdings ranks #67 out of 503 companies in the Insurance industry, placing it in the top 13.3%.
Is NIB Holdings' Equity-to-Asset too high?
NIB Holdings' current Equity-to-Asset of 0.54 is 32% above median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.54. The Insurance industry median Equity-to-Asset is 0.26. NIB Holdings' value of 0.54 is 107.7% above this industry median. Based on the distribution chart, NIB Holdings ranks #67 out of 503 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, NIB Holdings has a GF Score™ of 95/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' Equity-to-Asset compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #67 out of 503 companies for Equity-to-Asset. This places NIB Holdings in the top 13% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. NIB Holdings' value of 0.54 is 107.7% above this benchmark. Historically, NIB Holdings' own Equity-to-Asset has ranged from 0.36 to 0.54 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current Equity-to-Asset of 0.54 is 107.7% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current Equity-to-Asset is 0.54, which is 32% above median its own 10-year median of 0.41. 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 Equity-to-Asset of 0.54. The current Equity-to-Asset is 0.54, which is 32% above median its 10-year median of 0.41 and 107.7% above the Insurance industry median of 0.26. NIB Holdings' overall GF Score™ is 95/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current Equity-to-Asset is 0.54 as of Jun. 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.
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.
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