NIB HoldingsNIBHF 92 Interest Coverage is 16.17 as of Dec. 2025, which is 41% below its 10-year median of 27.47. GuruFocus rates NIBHF with a GF Score™ of 92/100. The stock has 4 warning signs investors should review. Among 351 Insurance companies, NIB Holdings ranks worse than 50.14% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. NIB Holdings's
EBIT
for the
six
months ended in Dec. 2025 was $82.72 Mil. NIB Holdings's Interest Expense for the
six
months ended in Dec. 2025 was $-5.12 Mil.
NIB Holdings's interest coverage for the quarter that ended in Dec. 2025 was 16.17.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for NIB Holdings's Interest Coverage or its related term are showing as below:
NIBHF'
s Interest Coverage Range Over the Past 10 Years
Min: 13.89 Med: 27.47 Max: 68.94
Current: 16.23
NIBHF's Interest Coverage is ranked worse than 50.14% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs NIBHF: 16.23
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
NIB Holdings Interest Coverage Related Terms
NIB Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for NIB Holdings's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NIBHF vs FNF, AXS, FAF: Interest Coverage Comparison
For the Insurance - Specialty subindustry, NIB Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where NIB Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 16.17 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on NIB Holdings and its competitors. This is 41% below median its historical median of 27.47. Over the past decade, NIB Holdings' Interest Coverage has ranged from 13.89 to 68.94. According to the industry distribution chart, NIB Holdings ranks #176 out of 351 companies in the Insurance industry, placing it in the top 50.1%.
Is NIB Holdings' Interest Coverage too high?
NIB Holdings' current Interest Coverage of 16.17 is 41% below median its 10-year median of 27.47. Over the past 10 years, this metric has ranged from a low of 13.89 to a high of 68.94. The Insurance industry median Interest Coverage is 16.23. NIB Holdings' value of 16.17 is 0.4% below this industry median. Based on the distribution chart, NIB Holdings ranks #176 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, NIB Holdings has a GF Score™ of 92/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' Interest Coverage compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #176 out of 351 companies for Interest Coverage. This places NIB Holdings in the lower half of its industry. The industry median Interest Coverage is 16.23. NIB Holdings' value of 16.17 is 0.4% below this benchmark. Historically, NIB Holdings' own Interest Coverage has ranged from 13.89 to 68.94 over the past decade. While the company's 10-year median is 27.47 vs. the industry median of 16.23, NIB Holdings has consistently been below 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current Interest Coverage of 16.17 is 0.4% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current Interest Coverage is 16.17, which is 41% below median its own 10-year median of 27.47. 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 Interest Coverage of 16.17. The current Interest Coverage is 16.17, which is 41% below median its 10-year median of 27.47 and 0.4% below the Insurance industry median of 16.23. NIB Holdings' overall GF Score™ is 92/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current Interest Coverage is 16.17 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 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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