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Investor Relations14 Oct 2025
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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
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Next nib holdings earnings date
AGM 20256 Nov, 2025
Next nib holdings earnings date
AGM 20256 Nov, 2025
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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.
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