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nib
nib (NHF) investor relations material
nib H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary22 Feb, 2026
Executive summary
Underlying operating profit rose 22% to AUD 129.1 million, driven by 7.7% revenue growth and strong performance across all segments, with significant progress in operational and digital transformation.
Net profit after tax was AUD 82.9 million, supported by disciplined expense management and productivity gains.
Sale of World Nomads International travel insurance business for AUD 67.5 million, with ongoing review of remaining travel operations.
All business segments contributed positively, with notable recovery in New Zealand and continued growth in Australian and international health insurance.
Interim dividend of AUD 0.13 per share, fully franked, maintained from prior year.
Financial highlights
Group revenue reached AUD 1.9 billion, up 7.7% year-over-year; total persons covered increased 1.9% to 1,947,045.
Group operating expense ratio improved by 100 basis points to 16.5%; ROIC increased to 14.7%.
Net investment income declined due to lower returns from equities compared to 1H25.
PHI lives covered reached 1.95 million, the largest customer base to date.
EPS was 17.0 cents per share, down slightly from 17.1 cents.
Outlook and guidance
FY26 Group underlying operating profit expected in the range of AUD 257 million–AUD 267 million.
Further reductions in group operating expense ratio anticipated, supported by ongoing productivity programs.
Australian residents targeting above-system policyholder growth and stable net margin in the 6%-7% range.
International and New Zealand segments expected to continue strong contributions; Health Services profitability to continue.
Strategic review of travel business ongoing, with sale of World Nomads agreed post-period.
Detail the end-to-end claims inflation strategy
What is the strategy to reduce ARHI lapse rates?
What is the growth outlook for Thrive NDIS?
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Next nib earnings date
H2 202623 Aug, 2026
nib
Next nib earnings date
H2 202623 Aug, 2026
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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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