NIB HoldingsNIBHF 89 EV-to-FCF is 19.74 as of Jun. 29, 2026, which is 18% above its 10-year median of 16.68. GuruFocus rates NIBHF with a GF Score™ of 89/100. The stock has 5 warning signs investors should review. Among 395 Insurance companies, NIB Holdings ranks worse than 82.03% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NIB Holdings's Enterprise Value is $1,994.19 Mil.
NIB Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $101.02 Mil. Therefore, NIB Holdings's EV-to-FCF for today is 19.74.
The historical rank and industry rank for NIB Holdings's EV-to-FCF or its related term are showing as below:
NIBHF'
s EV-to-FCF Range Over the Past 10 Years
Min: 9.95 Med: 16.68 Max: 43.77
Current: 22.85
During the past 13 years, the highest EV-to-FCF of NIB Holdings was 43.77. The lowest was 9.95. And the median was 16.68.
NIBHF's EV-to-FCF is ranked worse than 82.03% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs NIBHF: 22.85
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $0.00.
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 $0.000.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
NIB Holdings EV-to-FCF Related Terms
NIB Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NIB Holdings's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NIB Holdings's EV-to-FCF falls into.
NIB Holdings's current Enterprise Value is $1,994.19 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NIB Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $101.02 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 (NIBHF) has a EV-to-FCF of 19.74 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NIB Holdings and its competitors. This is 18% above median its historical median of 16.68. Over the past decade, NIB Holdings' EV-to-FCF has ranged from 9.95 to 43.77. According to the industry distribution chart, NIB Holdings ranks #324 out of 395 companies in the Insurance industry, placing it in the top 82%.
Is NIB Holdings' EV-to-FCF too high?
NIB Holdings' current EV-to-FCF of 19.74 is 18% above median its 10-year median of 16.68. Over the past 10 years, this metric has ranged from a low of 9.95 to a high of 43.77. The Insurance industry median EV-to-FCF is 9.32. NIB Holdings' value of 19.74 is 111.8% above this industry median. Based on the distribution chart, NIB Holdings ranks #324 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NIB Holdings has a GF Score™ of 89/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' EV-to-FCF compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #324 out of 395 companies for EV-to-FCF. This places NIB Holdings in the lower half of its industry. The industry median EV-to-FCF is 9.32. NIB Holdings' value of 19.74 is 111.8% above this benchmark. Historically, NIB Holdings' own EV-to-FCF has ranged from 9.95 to 43.77 over the past decade. While the company's 10-year median is 16.68 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current EV-to-FCF of 19.74 is 111.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current EV-to-FCF is 19.74, which is 18% above median its own 10-year median of 16.68. 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 EV-to-FCF of 19.74. The current EV-to-FCF is 19.74, which is 18% above median its 10-year median of 16.68 and 111.8% above the Insurance industry median of 9.32. NIB Holdings' overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current EV-to-FCF is 19.74 as of Jun. 29, 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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