nib holdings limited (NIBHF) Q4 2026 Earnings Call Transcript

Edward Close
MD, CEO & Executive Director

Good morning, everyone, and thank you for joining us for nib’s FY ’26 Full Year Results. I’m Ed Close, nib Group CEO and Managing Director, and I’m joined here in Newcastle by our Group Chief Financial Officer, Nick Freeman.

Before we begin, I’d like to acknowledge the Awabakal people, the traditional custodians of the land we are joining you from today. I pay my respects to elders past and present. We are pleased to report a solid FY ’26 group result with pleasing strategic progress, positive customer outcomes, a strong capital position and a more balanced contribution across our businesses. Our purpose of your better health and well-being continues to shape our strategy and guide our people to deliver sustainable value for our customers, shareholders and the communities we operate within.

nib is now a simpler, more focused and more efficient business with a clear emphasis on private health insurance and related services, supported by leading digital and AI capability, strong customer advocacy, our high-performing people and a disciplined approach to risk and capital management. This morning, I’ll cover the highlights, segment performance and strategic progress. Nick will then take you through the financial results in more detail before I return to discuss strategy and outlook. So if we head across to Slide 6, our FY ’26 highlights. It was a year of disciplined execution and meaningful strategic progress