NIB Holdings (FRA:3GU) Moat Score: 0/10 (As of Jul. 07, 2026)


FRA:3GU NIB Holdings Ltd FRA:3GU
84 GF Score
Price €4.16
GF Value €4.72
! 7 Warning Signs
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What is NIB Holdings Moat Score?

NIB Holdings has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

NIB Holdings has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes NIB Holdings might have No Moat - No discernible moat.

NIB Holdings  (FRA:3GU) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

NIB Holdings Moat Score Related Terms

FRA:3GU
84GF Score
NIB Holdings Ltd FRA:3GU
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is NIB Holdings (FRA:3GU) Overvalued in 2026?

Based on GuruFocus' analysis, NIB Holdings stock appears to be undervalued. The current stock price of €4.16 is trading 11.9% below its estimated GF Value™ of €4.72.

Key valuation signals for FRA:3GU:

  • Moat Score: 0
  • GF Value™: €4.72 vs. price of €4.16 (11.9% below fair value)
  • GF Score™: 84/100 with 7 warning signs

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 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.
84GF Score

Get the complete analysis for FRA:3GU

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.16
Price
€4.72
GF Value