YOLFTbeta
Insurance Australia Group Ltd

Insurance Australia Group Ltd

IAG · AU · Financial Services / Insurance - Property & Casualty

8.99AUD-0.04 (-0.44%)

Price History

Full chart

Market Stats

Previous Close9.03
Open8.98
Day Range8.91 – 9.05
52-Week Range6.23 – 8.50
Volume5.12M
Market Cap18.08B
P/E (TTM)17.98
Forward P/E14.79
EPS0.43
Dividend Yield4.14%
Beta-0.02
50-Day Avg8.09
200-Day Avg7.71

About

Insurance Australia Group Limited underwrites general insurance products and provides investment management services in Australia and New Zealand. The company offers short-tail insurance products, including motor vehicle; home and contents; lifestyle and leisure comprising boat, veteran and classic car, and caravan; pet; business packages; farm and crop; commercial property; construction and engineering; and commercial and fleet motor. It also provides long-tail insurance products, such as professional indemnity; compulsory third party, including motor injury liability; workers' compensation; directors' and officers' liability; public and products liability; and commercial liability insurance. It offers its products under the under the NRMA Insurance, CGU, ROLLiN, WFI, Swann Insurance, NZI, State, AMI, and Lumley Insurance brand names. It sells its products through branches and agencies, call centers, online, insurance brokers, authorized representatives, motor dealerships, and financial institutions. The company was formerly known as NRMA Group Limited and changed its name to Insurance Australia Group Limited in 2002. Insurance Australia Group Limited was founded in 1920 and is headquartered in Sydney, Australia.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Nicholas B. Hawkins B.Com., CA, F.C.A.
  • Employees11.23K
  • HeadquartersTower Two Darling Park, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.iag.com.au

Leadership

  • Mr. Nicholas B. Hawkins B.Com., CA, F.C.A.MD, CEO & Executive Director · b. 1968
  • Mr. William Rufus Benjamin McDonnell A.C.A., B.A.Chief Financial Officer · b. 1973
  • Mr. Neil Morgan B.Sc.Chief Operating Officer
  • Mr. Robert Cutler B.A., L.L.B.Group General Counsel
  • Ms. Christine Stasi B.A.Group Executive of People, Performance & Reputation
  • Ms. Julie BatchChief Executive Officer of Retail Insurance Australia
  • Ms. Amanda G. WhitingChief Strategy & Transformation Officer
  • Mr. Jarrod HillChief Executive Officer of CGU & WFI
  • Mr. Peter John Taylor B.Com.Group Chief Risk Officer
  • Mr. Phillip Gibson B.Sc., M.B.A.CEO of IAG New Zealand

Financials

Income Statement

Currency: AUD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue--3.66B3.53B3.29B5.14B6.96B7.38B7.25B7.93B8.31B8.49B8.00B8.45B8.40B9.15B9.75B11.38B9.07B9.88B8.18B7.70B7.22B7.88B7.57B409.00M15.99B14.76B19.36B
Growth (%)----3.47%-6.71%+55.96%+35.47%+5.96%-1.65%+9.30%+4.74%+2.25%-5.82%+5.69%-0.60%+8.94%+6.54%+16.72%-20.29%+8.89%-17.19%-5.94%-6.20%+9.13%-3.86%-94.60%+3810.51%-7.70%+31.18%
Cost of Revenue----------------270.00M262.00M41.00M181.00M104.00M-110.00M-89.00M93.00M145.00M-331.00M-301.00M15.73B
Gross Profit---3.53B3.29B5.14B6.96B7.38B7.25B7.93B8.31B8.49B8.00B8.23B9.14B8.96B9.48B11.12B8.10B8.69B8.08B7.81B7.84B7.88B7.57B8.93B15.99B15.06B3.64B
Gross Margin---100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%97.37%108.78%97.87%97.23%97.70%89.31%87.97%98.73%101.43%108.67%100.00%100.00%2182.40%100.00%102.04%18.79%
Operating Expense---3.10B3.50B5.10B4.66B6.00B5.92B6.89B7.97B8.08B7.50B7.37B8.26B7.23B7.56B10.07B6.90B6.02B6.61B6.42B819.00M8.21B169.00M7.41B206.00M12.66B1.90B
Operating Income94.80M352.90M385.50M430.00M-202.00M35.00M2.30B1.38B1.34B1.04B337.00M412.00M494.00M862.00M882.00M1.73B1.92B1.06B1.21B2.67B1.46B1.39B7.03B-334.00M7.41B1.51B15.79B2.40B1.74B
Operating Margin--10.54%12.17%-6.13%0.68%33.09%18.71%18.46%13.13%4.06%4.85%6.18%10.20%10.50%18.89%19.71%9.28%13.28%27.00%17.89%18.05%97.33%-4.24%97.77%369.68%98.71%16.29%8.98%
EBITDA94.80M352.90M429.80M694.00M19.00M459.00M1.36B1.36B1.40B1.18B183.00M536.00M589.00M807.00M669.00M-41.00M2.03B1.26B1.20B1.58B1.68B1.56B776.00M-67.00M779.00M1.69B1.88B2.63B2.16B
EBITDA Margin--11.75%19.65%0.58%8.93%19.61%18.50%19.32%14.88%2.20%6.31%7.36%9.55%7.96%-0.45%20.84%11.09%13.26%16.03%20.57%20.26%10.75%-0.85%10.29%412.71%11.73%17.78%11.14%
Net Income-8.20M-23.00M-100.10M-62.00M58.00M-64.00M-141.00M-119.00M759.00M552.00M-261.00M181.00M91.00M250.00M207.00M776.00M1.23B728.00M625.00M929.00M947.00M1.08B435.00M-427.00M347.00M832.00M898.00M1.36B1.02B
Net Income Margin---2.74%-1.76%1.76%-1.25%-2.03%-1.61%10.46%6.96%-3.14%2.13%1.14%2.96%2.46%8.48%12.64%6.39%6.89%9.40%11.57%13.98%6.03%-5.42%4.58%203.42%5.61%9.21%5.28%
Interest Expense0080.30M84.00M46.00M46.00M57.00M69.00M86.00M119.00M101.00M87.00M88.00M86.00M97.00M95.00M98.00M107.00M99.00M93.00M82.00M94.00M92.00M89.00M93.00M145.00M185.00M192.00M190.00M
Interest Expense % of Total Revenue--2.19%2.38%1.40%0.90%0.82%0.94%1.19%1.50%1.22%1.02%1.10%1.02%1.15%1.04%1.00%0.94%1.09%0.94%1.00%1.22%1.27%1.13%1.23%35.45%1.16%1.30%0.98%

Balance Sheet

Currency: AUD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets7.61B11.44B12.13B12.59B11.31B16.39B16.34B17.15B16.97B21.61B19.38B19.32B20.45B22.92B25.13B24.86B29.66B31.40B30.03B29.60B29.77B29.48B29.62B33.46B34.16B35.03B25.62B26.31B27.60B
Total Liabilities651.80M1.10B8.65B9.20B8.33B12.34B12.11B12.71B13.30B16.78B15.03B14.48B15.79B18.34B20.61B1.62B22.86B24.38B23.00B22.59B22.59B22.77B23.27B26.90B27.66B27.98B18.50B18.52B19.75B
Total Equity2.31B2.83B2.85B2.52B2.48B3.58B3.54B3.85B3.49B4.66B4.20B4.67B4.49B4.42B4.34B4.79B6.57B6.82B6.56B6.56B6.67B6.40B6.08B6.25B6.16B6.65B6.66B7.33B7.23B
Cash622.40M448.70M418.50M223.00M253.00M626.00M424.00M456.00M718.00M1.16B1.23B344.00M416.00M509.00M969.00M1.62B447.00M306.00M1.10B1.48B1.20B538.00M2.30B2.00B938.00M1.35B1.84B703.00M2.05B
Total Debt651.80M1.10B1.59B1.25B310.00M880.00M793.00M707.00M1.32B1.91B1.40B1.05B1.45B1.38B1.66B1.62B1.75B1.76B2.80B3.71B3.69B2.16B2.26B2.65B2.66B2.71B2.94B2.96B3.24B
Net Debt29.40M647.90M1.17B1.02B57.00M254.00M369.00M251.00M599.00M751.00M167.00M709.00M1.03B868.00M690.00M-1.62B1.30B1.46B857.00M150.00M763.00M1.54B-117.00M574.00M1.65B1.28B1.10B2.25B1.20B

Cash Flow

Currency: AUD1998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow---346.00M531.00M-1.17B897.00M387.00M401.00M5.00M414.00M1.11B620.00M1.51B1.79B1.08B698.00M-1.95B636.00M-53.00M589.00M381.00M1.61B900.00M452.00M1.80B1.35B1.04B
Investing Cash Flow-237.50M-1.25B-1.28B78.00M-320.00M-1.17B-784.00M-185.00M822.00M-124.00M1.09B-352.00M-849.00M38.00M-769.00M-1.48B-295.00M-1.69B2.37B1.12B391.00M1.07B1.57B-2.42B-1.46B394.00M-628.00M38.00M-352.00M
Financing Cash Flow299.30M594.30M1.06B-80.00M-302.00M716.00M-590.00M-679.00M-937.00M173.00M-970.00M-20.00M-479.00M-337.00M-17.00M-708.00M473.00M-572.00M-761.00M-1.38B-475.00M-1.32B-1.32B516.00M-527.00M-437.00M-682.00M-982.00M-843.00M
Capital Expenditure00562.00M49.00M00020.13B38.56B21.66B14.00M014.50B9.05B9.62B15.45B14.53B12.85B000002.41B1.43B452.00M637.00M1.35B1.04B
Free Cash Flow426.90M118.20M-562.00M346.00M531.00M825.00M1.17B-19.23B38.95B-21.26B-9.00M414.00M-13.38B-8.43B-8.11B-13.65B-13.45B-12.15B-1.95B636.00M-53.00M589.00M381.00M-799.00M-526.00M452.00M1.16B1.35B1.04B
Dividends Paid--27.80M90.00M173.00M147.00M354.00M538.00M736.00M579.00M594.00M290.00M386.00M377.00M288.00M562.00M901.00M1.04B1.00B729.00M839.00M952.00M693.00M173.00M468.00M270.00M460.00M862.00M733.00M
FCF to OCF---100.00%100.00%-100.00%-2143.70%10063.82%-5301.25%-180.00%100.00%-1200.27%-1359.35%-535.60%-762.85%-1248.75%-1740.26%100.00%100.00%100.00%100.00%100.00%-49.63%-58.44%100.00%64.61%100.00%100.00%
Dividend Paid to FCF---4.95%26.01%32.58%17.82%30.28%-2.80%1.89%-2.72%-6600.00%70.05%-2.88%-4.47%-3.55%-4.12%-6.70%-8.55%-51.44%114.62%-1583.02%161.63%181.89%-21.65%-88.97%59.73%39.55%63.76%70.35%

Earnings

Report DateFeb 21, 2014Aug 19, 2014Feb 18, 2015Aug 21, 2015Feb 17, 2016Aug 19, 2016Feb 22, 2017Aug 23, 2017Feb 14, 2018Aug 15, 2018Feb 6, 2019Aug 8, 2019Feb 5, 2020Aug 7, 2020Feb 10, 2021Aug 11, 2021Feb 8, 2022Aug 12, 2022Feb 13, 2023May 31, 2023Aug 21, 2023Feb 12, 2025Aug 13, 2025Feb 12, 2027
EPS Estimate0.000.250.300.180.250.200.200.220.180.220.210.270.10-0.010.170.10-0.160.010.070.000.120.170.21-
EPS Actual0.260.270.130.210.210.130.180.220.250.180.120.240.150.150.200.110.060.070.180.000.000.310.25-
Surprise8865.52%6.38%-56.02%17.32%-16.60%-34.61%-8.95%1.29%42.05%-16.36%-42.08%-12.18%42.86%2338.81%21.21%10.00%137.50%438.46%155.32%--100.00%87.65%21.36%-
Timing------------------Pre-market-Pre-market-Pre-market-

Key Statistics & Ratios

Market Cap18.08B
Enterprise Value20.86B
Trailing P/E17.98
Forward P/E14.79
PEG Ratio0.68
Price / Sales0.94
Price / Book2.52
EPS0.43
Book Value3.11
Revenue (TTM)19.15B
Gross Profit (TTM)3.01B
EBITDA1.99B
Profit Margin5.34%
Operating Margin10.71%
Return on Equity15.57%
Return on Assets4.47%
Shares Outstanding2.34B
Shares Float2.14B
Beta-0.02
Dividend Yield4.14%
Dividend Rate0.32
Payout Ratio72.41%

Ownership Breakdown

Institutions
39.11%
Insiders
0.91%
Retail / Other
59.98%

Top Fund Holders

  • Vanguard International Stock Index-Total Intl Stock Indx
    35.54M1.44%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    15.59M0.63%
  • iShares Core MSCI EAFE ETF
    10.43M0.42%
  • iShares MSCI Eafe ETF
    8.07M0.33%
  • Fidelity International Index Fund
    4.76M0.19%
  • JP Morgan ETF Tr-BetaBuilders Developed Asia ex-Japan ETF
    4.53M0.18%
  • Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund
    4.14M0.17%
  • iShares MSCI Eafe Value ETF
    3.34M0.14%
  • iShares MSCI Australia ETF
    3.04M0.12%
  • Schwab Strategic Tr-Schwab International Equity ETF
    2.95M0.12%

Dividends

20262×
0.20Aug 24, 20260.12Feb 17, 2026
20252×
0.19Aug 21, 20250.12Feb 18, 2025
20242×
0.17Aug 29, 20240.10Feb 21, 2024
20232×
0.09Aug 29, 20230.06Feb 16, 2023
20222×
0.05Aug 18, 20220.06Feb 16, 2022
20212×
0.13Aug 17, 20210.07Feb 16, 2021
20201×
0.10Feb 18, 2020
20192×
0.20Aug 19, 20190.12Feb 12, 2019
20183×
0.26Oct 31, 20180.20Aug 21, 20180.14Feb 20, 2018
20172×
0.20Sep 6, 20170.13Feb 28, 2017
20162×
0.13Sep 6, 20160.24Feb 29, 2016
20152×
0.16Sep 7, 20150.13Mar 2, 2015

Stock Splits

  • Oct 30, 20180.976:1