Valuation as at 2026-08-14 · see also the ASX 300 Most Undervalued screen
About nib holdings limited
nib holdings limited, together with its subsidiaries, engages in the underwriting and distribution of private health, life, and living insurance to residents, international students, and visitors in Australia and New Zealand. The company operates in six segments: Australian Residents Health Insurance, International (Inbound) Health Insurance, New Zealand Insurance, nib Travel, nib Thrive, and nib Health Services. It is also involved in the sale and distribution of travel and disability insurance products; and provision of health management programs.
Source: Yahoo Finance company profile · factual description, not KashVector commentary
nib holdings limited NHF.AX
Financial Services · Insurance - Specialty
nib holdings limited's price & financial trends
Annual reporting periods — this market does not have reliable quarterly data on Yahoo (either it isn't required, or coverage is incomplete), so annual is the most granular consistent series across free cash flow and dividends.
Data as at 2026-08-14
Share price · last 2 years
Earnings per share (diluted) Per year
Return on equity Per year
Dividend per share Per year
Value investing scale · Buffett · Dalio · Graham
🏦 Bank/Insurer — valued with the Dividend Discount Model
DCF is not used for bank/insurer stocks: deposits or reserves are a raw material rather than funding, so there's no clean free cash flow. This valuation uses the Dividend Discount Model (DDM) instead.
Intrinsic value estimate · 5-year forecast
Assumptions used in this valuation
Every input below is either fetched live from Yahoo Finance or a documented default — nothing is hidden.
| Bear | Base | Bull | |
|---|---|---|---|
| Dividend growth | 0.0% | 0.0% | 0.0% |
| Terminal growth | 2.5% | 2.5% | 2.5% |
| Cost of equity | 8.80% | 7.80% | 6.80% |
Cost of Equity (CAPM) = Risk-free rate + Beta × Equity Risk Premium = 4.80% + 0.50 × 6.00% = 7.80%
These numbers come from running nib holdings limited's dividends through the mechanical DDM formula and assumptions above — not from any view on the news, management, or NHF.AX's competitive position. What is DDM?
Want to test your own dividend growth or cost-of-equity assumptions?Open the full interactive calculator, pre-filled with NHF.AX →
More ASX stocks we've valued
Not financial advice. DDM valuations are highly sensitive to assumptions — small changes in growth rate or discount rate produce large swings in output. This is a mechanical calculation, not a recommendation to buy, hold, or sell.
About this valuation
Computed on 2026-08-14 from Yahoo Finance data, using the same engine as the full DCF tool and the ASX 300 Most Undervalued screen. Every figure above is a point-in-time snapshot of that date — change any assumption yourself in the interactive tool for a live one.
Frequently asked questions
Is nib holdings limited (NHF.AX) undervalued?
The Base-case DDM estimates intrinsic value at $4.50 vs a price of $7.35 on 2026-08-14 — a -38.8% margin, so the Base case reads overvalued. This is a mechanical output, not advice.