NIB Holdings Ltd (ASX: NHF) shares aren't joining in the broader market rally today.
The S&P/ASX 200 Index (ASX: XJO) is up 1% in early afternoon trade on Friday, while shares in the ASX 200 private health insurer are down 0.5% to $7.43 apiece.
That sees the stock down 16% since hitting fresh all-time closing highs of $8.85 on 21 June this year.
Still, you're unlikely to hear longer-term investors complaining about their returns.
If I'd bought $5,000 of NIB shares five years ago, here's how much I'd have today.
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NIB shares outperform the ASX 200 over the long-run
Over the past five years the ASX 200 has gained a very respectable 36.3%.
But the health insurer's stock has outpaced those gains.
Five years ago, I could have bought NIB shares for $4.98 apiece. Meaning my $5,000 would have seen me snap up 1,004 shares, with a bit of pocket change left over.
Today those shares are swapping hands for $7.43, up 49.2%.
If I were to sell my stock today then, I'd get $7,459.72. Or a very tidy $2,459.72 in profit on my $5,000 investment. (Excluding potential brokerage fees.)
But wait. There's more.
Don't forget the dividends!
Atop the capital gains, NIB shares have also delivered two fully franked dividends for every one of the past five years. The health insurer's stock currently trades on a trailing dividend yield of 3.8%.
As for the past five years, the company has paid out a total of $1.11 in dividends.
Assuming I spent that dividend income as it came in, rather than reinvesting, then we can add that to the current share price.
This then works out to an accumulated value of $8.54 per NIB share, with some potential tax benefits from those franking credits.
That would make my 1,004 shares worth $8,574.16 today, all from my original $5,000 investment five years ago.
