NIB Holdings Ltd

NHF: XASX (AUS)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
	A$4.70	Tbhlzq	Wnhqstv

NIB Holdings Earnings: Competition and Claims Inflation Expected to Lower Margins

Nathan Zaia

Feb 26, 2024

NIB Holdings' focus on building an ecosystem of health products and services is not likely to build new profit streams that transform the business. However, investments in telehealth services, in-home care, and health insights and guidance (such as checkups and health plans) help differentiate NIB’s private health insurance offering, especially compared with small health funds. Over 90% of first-half fiscal 2024 operating profit is attributable to private health insurance, and, in our view, the business underpinning the narrow economic moat is performing well.

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