NIB HoldingsNIBHF 94 ROE % is 15.15% as of Dec. 2025, which is 35% below its 10-year median of 23.37. GuruFocus rates NIBHF with a GF Score™ of 94/100. The stock has 4 warning signs investors should review. Among 502 Insurance companies, NIB Holdings ranks better than 73.9% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. NIB Holdings's annualized net income for the quarter that ended in Dec. 2025 was $110.17 Mil. NIB Holdings's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $727.20 Mil. Therefore, NIB Holdings's annualized ROE % for the quarter that ended in Dec. 2025 was 15.15%.
The historical rank and industry rank for NIB Holdings's ROE % or its related term are showing as below:
NIBHF'
s ROE % Range Over the Past 10 Years
Min: 14.4 Med: 23.37 Max: 29.3
Current: 18.39
During the past 13 years, NIB Holdings's highest ROE % was 29.30%. The lowest was 14.40%. And the median was 23.37%.
NIBHF's ROE % is ranked better than 73.9% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs NIBHF: 18.39
NIB Holdings (OTCPK:NIBHF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
NIB Holdings ROE % Related Terms
NIB Holdings ROE % Historical Data
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The historical data trend for NIB Holdings's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where NIB Holdings's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
NIB Holdings (NIBHF) has a ROE % of 15.15% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on NIB Holdings and its competitors. This is 35% below median its historical median of 23.37. Over the past decade, NIB Holdings' ROE % has ranged from 14.40 to 29.30. According to the industry distribution chart, NIB Holdings ranks #131 out of 502 companies in the Insurance industry, placing it in the top 26.1%.
Is NIB Holdings' ROE % too high?
NIB Holdings' current ROE % of 15.15% is 35% below median its 10-year median of 23.37. Over the past 10 years, this metric has ranged from a low of 14.40 to a high of 29.30. The Insurance industry median ROE % is 11.73. NIB Holdings' value of 15.15% is 29.2% above this industry median. Based on the distribution chart, NIB Holdings ranks #131 out of 502 companies in the Insurance industry, which is above 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' ROE % compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #131 out of 502 companies for ROE %. This puts NIB Holdings in the upper half of its industry. The industry median ROE % is 11.73. NIB Holdings' value of 15.15% is 29.2% above this benchmark. Historically, NIB Holdings' own ROE % has ranged from 14.40 to 29.30 over the past decade. While the company's 10-year median is 23.37 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current ROE % of 15.15% is 29.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current ROE % is 15.15%, which is 35% below median its own 10-year median of 23.37. 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 ROE % of 15.15%. The current ROE % is 15.15%, which is 35% below median its 10-year median of 23.37 and 29.2% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For NIB Holdings (NIBHF), the current ROE % is 15.15% 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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