NIBHF (NIB Holdings) FCF Margin %: -0.07% (As of Dec. 2025)


What is NIB Holdings FCF Margin %?

NIB Holdings NIBHF 94 FCF Margin % is -0.07% as of Dec. 2025. GuruFocus rates NIBHF with a GF Score™ of 94/100. The stock has 4 warning signs investors should review. Among 501 Insurance companies, NIB Holdings ranks worse than 66.47% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. NIB Holdings's Free Cash Flow for the six months ended in Dec. 2025 was $-0.86 Mil. NIB Holdings's Revenue for the six months ended in Dec. 2025 was $1,247.71 Mil. Therefore, NIB Holdings's FCF Margin % for the quarter that ended in Dec. 2025 was -0.07%.

As of today, NIB Holdings's current FCF Yield % is 4.58%.

The historical rank and industry rank for NIB Holdings's FCF Margin % or its related term are showing as below:


During the past 13 years, the highest FCF Margin % of NIB Holdings was 11.35%. The lowest was 3.12%. And the median was 6.64%.

NIBHF's FCF Margin % is not ranked *
in the Insurance industry.
Industry Median: 9.6
* Ranked among companies with meaningful FCF Margin % only.

NIB Holdings FCF Margin % Related Terms

NIB Holdings FCF Margin % Historical Data

* Premium members only.

The historical data trend for NIB Holdings's FCF Margin % 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 FCF Margin % Chart

NIB Holdings Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.22 11.35 6.22 6.13 3.12

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
FCF Margin % 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 2.91 9.31 -2.44 8.85 -0.07

NIBHF vs FNF, AXS, FAF: FCF Margin % Comparison

For the Insurance - Specialty subindustry, NIB Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, NIB Holdings's FCF Margin % distribution charts can be found below:

* The bar in red indicates where NIB Holdings's FCF Margin % falls into.


NIB Holdings FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

NIB Holdings's FCF Margin for the fiscal year that ended in Jun. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Jun. 2025 )/Revenue (A: Jun. 2025 )
=72.982/2336.719
=3.12 %

NIB Holdings's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-0.864/1247.708
=-0.07 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -0.07% mean?
NIB Holdings (NIBHF) has a FCF Margin % of -0.07% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NIB Holdings and its competitors. Over the past decade, NIB Holdings' FCF Margin % has ranged from 3.12 to 11.35. According to the industry distribution chart, NIB Holdings ranks #333 out of 501 companies in the Insurance industry, placing it in the top 66.5%.
Is NIB Holdings' FCF Margin % too high?
NIB Holdings' current FCF Margin % is -0.07%. Over the past 10 years, this metric has ranged from a low of 3.12 to a high of 11.35. Based on the distribution chart, NIB Holdings ranks #333 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, NIB Holdings has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' FCF Margin % compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #333 out of 501 companies for FCF Margin %. This places NIB Holdings in the lower half of its industry. The industry median FCF Margin % is 9.60. Historically, NIB Holdings' own FCF Margin % has ranged from 3.12 to 11.35 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current FCF Margin % is -0.07%. 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 FCF Margin % of -0.07%. The current FCF Margin % is -0.07%. NIB Holdings' overall GF Score™ is 94/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current FCF Margin % is -0.07% 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.