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NIB HoldingsFRA:3GU +0.45%88 5-Year Yield-on-Cost % is 5.89 as of Jul. 28, 2026, which is 16% above its 10-year median of 5.07. GuruFocus rates FRA:3GU with a GF Score™ of 88/100 and a GF Value™ of €4.80. The stock has 8 warning signs investors should review. Among 422 Insurance companies, NIB Holdings ranks better than 73.22% on this metric.
NIB Holdings's yield on cost for the quarter that ended in Dec. 2025 was 5.89.
The historical rank and industry rank for NIB Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:3GU'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.7 Med: 5.07 Max: 8.55
Current: 5.89
During the past 13 years, NIB Holdings's highest Yield on Cost was 8.55. The lowest was 2.70. And the median was 5.07.
FRA:3GU's 5-Year Yield-on-Cost % is ranked better than 73.22% of 422
companies
in the Insurance industry
Industry Median: 3.88
vs FRA:3GU: 5.89
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
NIB Holdings 5-Year Yield-on-Cost % Related Terms
FRA:3GU vs FNF, AXS, FAF: 5-Year Yield-on-Cost % Comparison
For the Insurance - Specialty subindustry, NIB Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, NIB Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where NIB Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of NIB Holdings is calculated as
NIB Holdings (FRA:3GU) has a 5-Year Yield-on-Cost % of 5.89 as of Jul. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NIB Holdings and its competitors. This is 16% above median its historical median of 5.07. Over the past decade, NIB Holdings' 5-Year Yield-on-Cost % has ranged from 2.70 to 8.55. According to the industry distribution chart, NIB Holdings ranks #113 out of 422 companies in the Insurance industry, placing it in the top 26.8%.
Is NIB Holdings' 5-Year Yield-on-Cost % too high?
NIB Holdings' current 5-Year Yield-on-Cost % of 5.89 is 16% above median its 10-year median of 5.07. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 8.55. The Insurance industry median 5-Year Yield-on-Cost % is 3.88. NIB Holdings' value of 5.89 is 51.8% above this industry median. Based on the distribution chart, NIB Holdings ranks #113 out of 422 companies in the Insurance industry, which is above the industry midpoint. Overall, NIB Holdings has a GF Score™ of 88/100, reflecting its overall financial health beyond just this single metric.
How does NIB Holdings' 5-Year Yield-on-Cost % compare to FNF and AXS?
According to the Insurance industry distribution chart, NIB Holdings ranks #113 out of 422 companies for 5-Year Yield-on-Cost %. This puts NIB Holdings in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. NIB Holdings' value of 5.89 is 51.8% above this benchmark. Historically, NIB Holdings' own 5-Year Yield-on-Cost % has ranged from 2.70 to 8.55 over the past decade. While the company's 10-year median is 5.07 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.88, based on 422 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NIB Holdings's current 5-Year Yield-on-Cost % of 5.89 is 51.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NIB Holdings and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIB Holdings's current 5-Year Yield-on-Cost % is 5.89, which is 16% above median its own 10-year median of 5.07. 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 5-Year Yield-on-Cost % of 5.89. The stock's GF Value™ is €4.80, compared to a current price of €4.46 — trading 7.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.89, which is 16% above median its 10-year median of 5.07 and 51.8% above the Insurance industry median of 3.88. NIB Holdings' overall GF Score™ is 88/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For NIB Holdings (FRA:3GU), the current 5-Year Yield-on-Cost % is 5.89 as of Jul. 28, 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 €4.46 is trading 7.1% below its estimated GF Value™ of €4.80.
Key valuation signals for FRA:3GU:
5-Year Yield-on-Cost %: 5.89 (16% above median its 10-year median of 5.07)
GF Value™: €4.80 vs. price of €4.46 (7.1% below fair value)
Industry Position: 51.8% above the Insurance median (#113 of 422)
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.
88GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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