NIB HoldingsFRA:3GU 84 PEG Ratio is 1.67 as of Jul. 07, 2026, which is 28% below its 10-year median of 2.33. GuruFocus rates FRA:3GU with a GF Score™ of 84/100 and a GF Value™ of €4.76. The stock has 5 warning signs investors should review. Among 185 Insurance companies, NIB Holdings ranks worse than 69.19% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for NIB Holdings's PEG Ratio or its related term are showing as below:
FRA:3GU'
s PEG Ratio Range Over the Past 10 Years
Min: 0.7 Med: 2.33 Max: 19.97
Current: 1.59
During the past 13 years, NIB Holdings's highest PEG Ratio was 19.97. The lowest was 0.70. And the median was 2.33.
FRA:3GU's PEG Ratio is ranked worse than 69.19% of 185
companies
in the Insurance industry
Industry Median: 0.88
vs FRA:3GU: 1.59
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
NIB Holdings (FRA:3GU) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
NIB Holdings PEG Ratio Related Terms
NIB Holdings PEG Ratio Historical Data
* Premium members only.
The historical data trend for NIB Holdings's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where NIB Holdings's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
NIB Holdings (FRA:3GU) has a PEG Ratio of 1.67 as of Jul. 07, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on NIB Holdings and its competitors. This is 28% below median its historical median of 2.33. Over the past decade, NIB Holdings' PEG Ratio has ranged from 0.70 to 19.97. According to the industry distribution chart, NIB Holdings ranks #128 out of 185 companies in the Insurance industry, placing it in the top 69.2%.
Is NIB Holdings' PEG Ratio too high?
NIB Holdings' current PEG Ratio of 1.67 is 28% below median its 10-year median of 2.33. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 19.97. The Insurance industry median PEG Ratio is 0.88. NIB Holdings' value of 1.67 is 89.8% above this industry median. Based on the distribution chart, NIB Holdings ranks #128 out of 185 companies in the Insurance industry, which is below the industry midpoint. Overall, NIB Holdings has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' PEG Ratio compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #128 out of 185 companies for PEG Ratio. This places NIB Holdings in the lower half of its industry. The industry median PEG Ratio is 0.88. NIB Holdings' value of 1.67 is 89.8% above this benchmark. Historically, NIB Holdings' own PEG Ratio has ranged from 0.70 to 19.97 over the past decade. While the company's 10-year median is 2.33 vs. the industry median of 0.88, 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 PEG Ratio for an Insurance company?
The median PEG Ratio among Insurance companies is 0.88, based on 185 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current PEG Ratio of 1.67 is 89.8% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median PEG Ratio is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current PEG Ratio is 1.67, which is 28% below median its own 10-year median of 2.33. 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 (FRA:3GU) has a current PEG Ratio of 1.67. The stock's GF Value™ is €4.76, compared to a current price of €4.16 — trading 12.6% below its estimated fair value. The current PEG Ratio is 1.67, which is 28% below median its 10-year median of 2.33 and 89.8% above the Insurance industry median of 0.88. NIB Holdings' overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For NIB Holdings (FRA:3GU), the current PEG Ratio is 1.67 as of Jul. 07, 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.
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 12.6% below its estimated GF Value™ of €4.76.
Key valuation signals for FRA:3GU:
PEG Ratio: 1.67 (28% below median its 10-year median of 2.33)
GF Value™: €4.76 vs. price of €4.16 (12.6% below fair value)
Industry Position: 89.8% above the Insurance median (#128 of 185)
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 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
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:3GU has been successfully added to your 
