NHF FINANCIAL STATEMENTS

NIB Holdings Ltd — balance sheet, income statement and cash flow trends

NHFNIB Holdings Ltd

🇦🇺 Australia · AU · Financial Services · Insurance - Specialty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q2 2025 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue3.7 B A$+11.5%

Gross Profit3.2 B A$-3.5%

Operating Income307.8 M A$-6.4%

EBITDA273.7 M A$-23.8%

Net Income199.8 M A$-4.7%

Peer Comparison· Insurance - Specialty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
NHF	—	—	—	5.4%
NMIH	—	—	—	53.8%
TSU	—	—	—	4.7%
AGO	—	—	—	43.6%
EIG	—	—	—	0.9%
RDN	—	—	—	40.3%
Industry median	—	—	—	12.4%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q2 2025

Equity1.1 B A$53%
Long-term Liabilities992.9 M A$47%

Key Figures

YoY change

Total Assets2.1 B A$+3.3%

Total Liabilities992.9 M A$-0.8%

Total Equity1.1 B A$+7.4%

Cash & ST Investments172.8 M A$-26.5%

Total Debt303.3 M A$+5.2%

Net Debt130.5 M A$+144.4%

Peer Comparison· Insurance - Specialty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
NHF	—	27.6%	0.48	52.2%
NMIH	0.39	0.0%	-0.10	67.3%
TSU	23.58	23.4%	-0.19	18.5%
AGO	1.02	30.8%	-1.18	43.9%
EIG	0.77	14.9%	-47.97	25.2%
RDN	0.49	23.9%	1.25	46.7%
Industry median	2.53	20.5%	-0.54	30.3%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q2 2025 · TTM

Key Figures

YoY change

Operating Cash Flow197.3 M A$-35.2%

Capital Expenditures42.1 M A$-20.7%

Free Cash Flow155.2 M A$-38.2%

Dividends Paid-122.1 M A$-190.3%

Peer Comparison· Insurance - Specialty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
NHF	5.4%	4.2%	1.1%	98.7%
NMIH	60.6%	59.8%	0.9%	112.6%
TSU	10.4%	10.2%	0.2%	220.2%
AGO	38.1%	38.1%	0.0%	87.2%
EIG	5.4%	3.4%	0.3%	572.0%
RDN	24.1%	23.9%	0.3%	59.9%
Industry median	18.5%	17.6%	0.6%	105.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
NHF	—	—	—	5.4%
MPL	—	—	—	5.3%
Industry median	—	—	—	12.4%