NIB HoldingsNIBHF 94 Net Margin % is 4.41% as of Dec. 2025, which is 23% below its 10-year median of 5.70. 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 67.86% on this metric.
Net margin is calculated as Net Income divided by its Revenue. NIB Holdings's Net Income for the
six
months ended in Dec. 2025 was $55.08 Mil. NIB Holdings's Revenue for the
six
months ended in Dec. 2025 was $1,247.71 Mil. Therefore, NIB Holdings's net margin for the quarter that ended in Dec. 2025 was 4.41%.
The historical rank and industry rank for NIB Holdings's Net Margin % or its related term are showing as below:
NIBHF'
s Net Margin % Range Over the Past 10 Years
Min: 3.54 Med: 5.7 Max: 6.12
Current: 5.48
NIBHF's Net Margin % is ranked worse than 67.86% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs NIBHF: 5.48
NIB Holdings (OTCPK:NIBHF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
NIB Holdings Net Margin % Related Terms
NIB Holdings Net Margin % Historical Data
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The historical data trend for NIB Holdings's Net 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.
For the Insurance - Specialty subindustry, NIB Holdings's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where NIB Holdings's Net Margin % falls into.
* 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 Net Margin % of 4.41% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on NIB Holdings and its competitors. This is 23% below median its historical median of 5.70. Over the past decade, NIB Holdings' Net Margin % has ranged from 3.54 to 6.12. According to the industry distribution chart, NIB Holdings ranks #340 out of 501 companies in the Insurance industry, placing it in the top 67.9%.
Is NIB Holdings' Net Margin % too high?
NIB Holdings' current Net Margin % of 4.41% is 23% below median its 10-year median of 5.70. Over the past 10 years, this metric has ranged from a low of 3.54 to a high of 6.12. The Insurance industry median Net Margin % is 9.29. NIB Holdings' value of 4.41% is 52.5% below this industry median. Based on the distribution chart, NIB Holdings ranks #340 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' Net Margin % compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #340 out of 501 companies for Net Margin %. This places NIB Holdings in the lower half of its industry. The industry median Net Margin % is 9.29. NIB Holdings' value of 4.41% is 52.5% below this benchmark. Historically, NIB Holdings' own Net Margin % has ranged from 3.54 to 6.12 over the past decade. While the company's 10-year median is 5.70 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current Net Margin % of 4.41% is 52.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current Net Margin % is 4.41%, which is 23% below median its own 10-year median of 5.70. 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 Net Margin % of 4.41%. The current Net Margin % is 4.41%, which is 23% below median its 10-year median of 5.70 and 52.5% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current Net Margin % is 4.41% 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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