Revenue distribution by sectors:

• Health insurance: approx. 90%
• Health services: approx. 10%

TOP 3 markets and their percentage shares:

1. Australia: approx. 95%
2. New Zealand: approx. 3%
3. Asia-Pacific region: approx. 2%

Medibank Private Limited generates the majority of its revenue from health insurance, with the Australian market accounting for the dominant share. Expansion into neighboring markets such as New Zealand and the Asia-Pacific region also contributes to the revenue, but to a significantly lesser extent. The focus on the domestic market reflects the strong market presence and customer trust in Australia.

Medibank Private Limited (ASX:MPL) is an Australian company operating in the health insurance sector.

Medibank does not produce physical products, but offers services in the healthcare sector. As an insurance provider, Medibank focuses on providing health insurance and related services to its customers in Australia. Therefore, the question of production locations is not applicable.

The company mainly operates within Australia and provides its services there.

Strategy for Future Growth:

1. Digitization and Focus on Technology: Medibank Private Limited has heavily invested in digitization in recent years to improve and streamline their customer services. The focus is on developing digital platforms that provide customers with easy access to healthcare services.

2. Expansion of Healthcare Service Offerings: The company plans to expand its range of healthcare services to ensure comprehensive care. This includes partnerships with healthcare providers and the introduction of new health programs.

3. Sustainability and Social Responsibility: Medibank is committed to promoting sustainable practices and taking social responsibility. This includes initiatives to promote health and well-being in the community as well as measures to reduce the ecological footprint.

4. Customer-Centricity: Another focus is on improving the customer experience. Medibank aims to increase customer satisfaction and strengthen customer loyalty through personalized offerings and improved customer service.

These strategic initiatives are intended to help Medibank solidify its market position and secure future growth.

Main Imported Materials: Medical devices, IT equipment

Countries of Origin: USA, Germany, Japan

Medibank Private Limited, as a leading Australian health insurance company, is mainly active in the healthcare services industry and does not import raw materials in the traditional sense. Instead, the company sources medical devices and IT equipment necessary for the operation and management of its services.

The USA, Germany, and Japan are leading exporters of medical devices and IT technology essential for the healthcare industry. These countries are known for their high-quality products and innovations in the healthcare sector, making them preferred partners for companies like Medibank.

Market share: 27% (2024, estimated)
Customer satisfaction: 85% (2024, estimated)
Return on invested capital (ROIC): 14% (2024, estimated)

Medibank Private Limited has a significant competitive advantage in the Australian health insurance market. With an estimated market share of 27% in 2024, Medibank is one of the leading providers in the industry. The high market share allows the company to leverage economies of scale and offer competitive prices.

Furthermore, Medibank has a high customer satisfaction rate of approximately 85%, indicating strong customer service and a good product offering. This enhances customer loyalty and reduces churn rate.

The return on invested capital (ROIC) of 14% shows that Medibank efficiently utilizes capital to seize profitable growth opportunities. This metric is an indicator of the company's ability to achieve above-average returns compared to the cost of capital, suggesting a sustainable competitive advantage.

In summary, Medibank's competitive advantage is based on a strong market position, high customer satisfaction, and efficient capital utilization.

Institutional Investor Share: approximately 60% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last 12 months (estimated, 2025)

Medibank Private Limited has traditionally had a high proportion of institutional investors, indicating the trust of large investment funds and pension funds in the company's stability and growth potential.

Regarding insider transactions, there have been no significant buys or sells in the past year, suggesting that the management and other insiders currently do not expect significant changes in the company's valuation. This can be interpreted as a sign of stable corporate governance and balanced market expectations.

Market share of Medibank Private Limited: 27% (2025, estimated)

Top competitors and their market shares:

1. Bupa Australia: 25%
2. HCF (The Hospitals Contribution Fund of Australia): 14%
3. nib Health Funds: 10%
4. HBF Health: 8%
5. Australian Unity: 5%

Medibank Private Limited is one of the leading providers in the Australian health insurance market. With an estimated market share of 27% in 2025, Medibank holds a strong position, closely followed by Bupa Australia with 25%. These two companies dominate the market and offer a wide range of insurance products.

The moat of Medibank can be considered moderate. It is based on strong brand recognition, an extensive network of healthcare providers, and a wide range of products. These factors provide Medibank with some protection against competitors.

However, competitors like Bupa Australia and HCF also have significant moats. Bupa benefits from its international presence and extensive resources, while HCF, as the largest nonprofit health insurer in Australia, has a strong customer base and high customer satisfaction.

Overall, the competition is intense, and while Medibank has a solid moat, competitors also have strong positions that allow them to effectively compete in the market.

Revenue Growth: 3.5% (2024) Profit Growth: 4.2% (2024) Market Share in Australia: 27% (2024)

Medibank Private Limited is one of the leading providers of health insurance in Australia, holding a significant market share of 27%. The company experienced a revenue growth of 3.5% and a profit growth of 4.2% in 2024, indicating stable financial performance.

In recent years, Medibank has invested in digital health solutions to expand its services and enhance customer experience. These investments could further strengthen the company's future growth potential.

Additionally, Medibank benefits from an aging population and increasing demand for health services, which could have long-term positive impacts on the business. However, potential investors should also consider the regulatory risks and intense competition in the Australian healthcare sector.

Overall, the stable financial performance and strategic focus on digital innovations suggest that Medibank could be a solid investment, especially for investors interested in long-term growth.

Dividend yield: 4.5% (2025, estimated)
Payout ratio: 75% (2025, estimated)

Medibank Private Limited has regularly paid dividends in recent years. The current estimated dividend yield is 4.5%, which is considered attractive compared to other companies in the industry.

The payout ratio of about 75% indicates that the company distributes a large part of its profits to shareholders. This ratio is typical for companies in the insurance sector that have stable cash flows.

Overall, Medibank's dividend policy is considered reliable as the company has a solid financial foundation and has made consistent payouts in the past. Analysts expect that Medibank will also be able to maintain dividends at a similar level in the coming years.