)
Visual24 Oct 2025
The rise of Alphabet
nib holdings (NHF) investor relations material
nib holdings H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary24 Aug, 2025
Executive summary
Group underlying operating profit (UOP) of $239.2M and NPAT of $198.6M, both within guidance, with a fully franked dividend of 29¢ per share and a strong balance sheet.
Group revenue rose 7.8% to $3.6B year-over-year, with total persons covered increasing 3.2% to 1,938,545.
Core Australian health insurance business achieved 3.2% net policyholder growth and maintained net margins within the 6%-7% target range.
Adjacent businesses contributed $45.3M in UOP; international inbound health insurance UOP up 23%, and New Zealand returned to profitability in the second half.
Productivity initiatives delivered $18M in savings, reducing the group operating expense ratio to 17.7%, with over 50 AI and machine learning projects in production.
Financial highlights
Group UOP of $239.2M (down 7.1% year-over-year), NPAT of $198.6M (up 9.4%), and net investment income of $79M (up 28.9%).
Group revenue rose 7.8% to $3.6B year-over-year.
Fully franked dividend maintained at 29¢ per share.
Group operating expense ratio improved by 50 bps to 17.7%.
Earnings per share increased 7.3% to 41.1 cps.
Outlook and guidance
Positive Group UOP uplift expected in FY26, driven by Australian PHI, full-year NZ profitability, and momentum in adjacent businesses.
Targeting above-system policyholder growth of ~3% and stable margins (6%-7%) in core health insurance.
Ongoing productivity program to further reduce operating expense ratio and capital expenditure.
Health Services targeting full-year profitability; Thrive focusing on organic growth and efficiency.
New Zealand recovery plan progressing, but medium-term margin targets not yet reaffirmed.
NZ revenue growth vs. price increases
ARHI FY26 margin drivers, incl. downgrading
Thrive operational issues and growth outlook
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next nib holdings earnings date
AGM 20256 Nov, 2025
Next nib holdings earnings date
AGM 20256 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
NIB Holdings Limited (NHF) is an Australian company that specializes in providing health and medical insurance. Its services cater to a broad range of customers, including Australian residents, international students, and visitors to Australia and New Zealand. NHF operates through multiple segments, such as Australian Residents Health Insurance, New Zealand Insurance, International (Inbound) Health Insurance, nib Travel, and nib Thrive. Notably, the company extends its offerings to travel insurance products and health management programs. Moreover, NHF plays a significant role as a Plan Manager under the National Disability Insurance Scheme (NDIS). The company is headquartered in Newcastle, Australia, and its shares are listed on the ASX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage