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Medibank Private
Medibank Private (MPL) investor relations material
Medibank Private H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary18 Feb, 2026
Executive summary
Group operating profit rose 6% to AUD 381.7 million, driven by growth in health insurance and Medibank Health segments.
Medibank Health segment profit increased 28.5% to AUD 48.3 million, contributing 13% of group operating profit.
Interim fully franked dividend increased 6.4% to AUD 0.083 per share, with a payout ratio of 76.8%.
Resident policyholder growth of 1.9% year-over-year, with Medibank and ahm brands up 0.8% and 4.9% respectively.
Strategic focus on disciplined growth, digital care expansion, and M&A, including the Better Medical acquisition.
Financial highlights
Group revenue from external customers increased 5.5% to AUD 4,503.5 million.
Health Insurance operating profit up 3.5% to AUD 361.5 million; Medibank Health segment profit up 28.5% to AUD 48.3 million.
Underlying NPAT was stable at AUD 297.8 million; reported NPAT fell 11% to AUD 302.9 million.
Net investment income declined 17.1% to AUD 94.9 million due to lower RBA cash rates.
Gross profit in health insurance up 4.4% with 4.3% revenue growth; gross margin stable at 16.2%.
Outlook and guidance
On track to deliver FY26 outlook, with performance in line with expectations.
Resident claims per policy unit growth expected between 2.6% and 2.9% for FY26.
Medibank Health organic operating profit growth for FY26 expected to match 1H26, plus AUD 6 million from Better Medical.
FY26 expense guidance set at AUD 690–695 million, targeting AUD 10 million in productivity savings.
Continued appetite and financial capacity for further M&A.
AIC penalty proceedings risk?
Medibank Health M&A strategy beyond FY26
APRA capital adjustment impact on strategy
Medibank Health FY30 profit aspiration: M&A plan?
How will Medibank sustain PHI claims management gains?
Non-resident PHI growth: How to navigate visa changes?
Bulk billing impact on primary care network?
Hospital partnerships' ongoing utilization impact?
Long-term capital use beyond Medibank Health?
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Next Medibank Private earnings date
H2 202626 Aug, 2026
Medibank Private
Next Medibank Private earnings date
H2 202626 Aug, 2026
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Frequently asked questions
Medibank Private Limited, better known as Medibank, is a prominent Australian provider of private health insurance, covering millions of individuals. Founded as a not-for-profit insurer by the Australian government in 1976, it transitioned to a for-profit entity in 2009 and was privatized in 2014. Medibank offers a range of health insurance products under its Medibank and ahm brands. It also provides various health services, including occupational health services and health coaching, through its Health Solutions Division. The company is headquartered in Docklands, Victoria, and its shares are listed on the ASX.
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