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QBE Insurance Group Limited

QBE Insurance Group Limited

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

26.75AUD-0.12 (-0.45%)

Price History

Full chart

Market Stats

Previous Close26.87
Open26.90
Day Range26.60 – 26.90
52-Week Range17.63 – 26.58
Volume2.37M
Market Cap38.68B
P/E (TTM)12.27
Forward P/E16.34
EPS2.11
Dividend Yield4.28%
Beta0.08
50-Day Avg24.04
200-Day Avg23.00

About

QBE Insurance Group Limited engages in underwriting general insurance and reinsurance risks in the Australia Pacific, North America, and internationally. The company offers commercial and domestic property, agriculture, public/product liability, motor and motor casualty, professional indemnity, workers' compensation, accident, health, financial and credit, and other insurance products, as well as marine, energy and aviation insurance products. It also manages Lloyd's syndicates, as well as provides investment management services. The company was founded in 1886 and is headquartered in Sydney, Australia.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. David Andrew Horton
  • Employees13.20K
  • Headquarters388 George Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.qbe.com

Leadership

  • Mr. David Andrew HortonGroup CEO & Executive Director · b. 1963
  • Ms. Amanda Hughes B.Com., C.A., M.B.A.Group Chief People Officer
  • Mr. Jason Richard Harris B.Sc.Chief Executive Officer of International · b. 1967
  • Ms. Fiona Larnach B.Sc., FCPA, M.A.I.C.D.Group Chief Risk Officer
  • Ms. Susan Wendy Houghton A.C.A., B.A.Chief Executive Officer of Australia Pacific
  • Ms. Julia Madden WoodChief Executive Officer of North America
  • Mr. Peter Burton B.Sc.Group Chief Underwriting Officer
  • Mr. Christopher Thomas Killourhy B.Sc.Group Chief Financial Officer · b. 1977
  • Mr. Ian Fantozzi M.Sc.Group Executive, Technology and Operations · b. 1975
  • Mr. Ashley DalziellGroup Head of Investor Relations

Financials

Income Statement

Currency: AUD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-----------2.93B3.46B2.58B3.32B6.59B7.46B6.08B9.28B10.27B8.94B12.81B12.07B16.36B17.09B16.17B14.90B13.00B11.69B12.01B12.19B12.64B11.93B13.53B13.40B17.45B18.75B24.96B
Growth (%)------------+17.87%-25.28%+28.58%+98.31%+13.25%-18.52%+52.67%+10.64%-12.96%+43.22%-5.76%+35.54%+4.47%-5.38%-7.87%-12.75%-10.09%+2.72%+1.51%+3.77%-5.62%+13.37%-0.96%+30.19%+7.45%+33.14%
Cost of Revenue-------------1.81B-3.82B4.17B3.23B-1.96B4.87B4.47B7.33B6.81B10.29B10.11B9.63B8.62B7.06B6.05B8.15B7.54B8.20B9.95B8.08B10.27B-4.41B13.21B-
Gross Profit-------------772.31M3.32B2.77B3.30B2.85B9.28B5.40B4.47B5.48B5.26B6.17B6.98B6.62B14.90B13.00B11.69B3.85B5.04B4.12B11.93B13.53B3.13B5.20B5.53B24.96B
Gross Margin-------------29.88%100.00%41.99%44.18%46.82%100.00%52.60%50.04%42.78%43.60%37.71%40.82%40.93%100.00%100.00%100.00%32.08%41.35%32.61%100.00%100.00%23.37%29.78%29.51%100.00%
Operating Expense-------------841.22M3.17B2.00B2.14B1.76B7.14B3.22B2.83B3.36B3.77B5.39B6.13B-9.51B54.00M59.00M58.00M-8.24B-7.11B3.55B13.45B36.00M2.46B3.48B-17.18B22.01B
Operating Income34.23M50.75M58.40M39.72M56.50M104.61M69.73M156.83M206.16M37.28M69.03M126.77M165.00M-68.91M151.99M765.00M1.16B1.09B2.14B2.18B1.65B2.12B1.49B781.00M849.00M16.13B14.85B12.94B11.63B12.09B12.15B569.00M-1.51B13.49B666.41M1.71B22.71B2.94B
Operating Margin-----------4.32%4.77%-2.67%4.57%11.61%15.52%17.86%23.05%21.24%18.43%16.56%12.36%4.77%4.97%99.76%99.64%99.55%99.50%100.70%99.72%4.50%-12.67%99.73%4.97%9.82%121.14%11.80%
EBITDA45.03M64.30M58.40M39.72M56.50M104.61M69.73M156.83M206.16M69.15M113.82M126.77M--17.36M201.34M894.92M1.13B1.22B2.15B2.50B1.93B2.31B1.68B1.38B1.62B634.34M1.34B1.34B1.49B-693.18M755.00M1.13B-1.04B1.33B1.34B2.26B2.71B3.41B
EBITDA Margin-----------4.32%--0.67%6.06%13.58%15.19%20.01%23.16%24.32%21.55%18.03%13.89%8.43%9.50%3.92%9.02%10.33%12.75%-5.77%6.20%8.95%-8.69%9.82%10.03%12.97%14.44%13.66%
Net Income-598.63K-601.88K-121.90K-736.92K-1.04M-1.02M-1.49M-2.60M-2.11M-1.37M-734.00K-2.75M101.00M-4.08M560.85K-5.00M857.00M798.86M1.48B1.69B1.30B1.77B1.30B704.00M761.00M-254.00M742.00M687.00M844.00M-1.25B390.00M550.00M-1.52B750.00M587.00M1.35B1.78B2.23B
Net Income Margin------------0.09%2.92%-0.16%0.02%-0.08%11.48%13.14%15.97%16.43%14.54%13.82%10.77%4.30%4.45%-1.57%4.98%5.29%7.22%-10.40%3.20%4.35%-12.71%5.54%4.38%7.77%9.49%8.94%
Interest Expense3.31M4.24M4.29M4.69M5.48M6.50M6.39M6.62M9.20M9.56M12.62M12.72M033.18M40.94M87.00M150.00M70.29M100.97M191.15M167.82M196.73M225.74M270.48M324.00M345.00M297.00M244.00M294.00M305.00M305.00M257.00M252.00M247.00M245.00M232.00M226.00M262.86M
Interest Expense % of Total Revenue-----------0.43%0.00%1.28%1.23%1.32%2.01%1.16%1.09%1.86%1.88%1.54%1.87%1.65%1.90%2.13%1.99%1.88%2.52%2.54%2.50%2.03%2.11%1.83%1.83%1.33%1.21%1.05%

Balance Sheet

Currency: AUD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.13B1.42B1.52B2.04B1.81B2.22B2.44B2.85B3.95B3.84B4.28B9.53B14.50B10.18B11.39B15.70B19.58B21.70B25.33B34.77B34.24B36.81B42.90B47.43B52.35B47.43B38.70B42.93B42.05B43.69B39.58B35.75B46.62B43.24B33.22B42.11B43.85B49.19B
Total Liabilities915.45M1.14B1.22B1.70B1.46B1.78B1.96B2.22B3.23B3.21B3.55B4.23B12.75B8.79B9.71B17.11B16.09B24.51B20.26B27.27B26.28B27.55B32.33B36.83B40.57B36.99B29.17B32.35B31.77B34.92B31.18B27.59B38.13B34.38B24.30B32.16B33.12B37.51B
Total Equity211.03M270.56M297.41M341.74M345.55M436.64M468.33M611.01M704.80M615.60M716.88M-17.56M1.71B1.36B1.64B3.31B3.45B5.09B5.01B7.44B7.90B10.22B10.48B10.54B11.71B10.39B9.49B10.52B10.23B8.72B9.21B8.16B7.56B8.85B8.92B9.93B10.73B11.68B
Cash114.43M163.91M176.93M411.12M307.74M415.67M431.47M431.89M62.34M72.39M75.79M180.09M370.00M261.88M278.35M549.54M874.56M776.02M812.64M867.13M1.94B1.44B1.71B1.48B2.09B1.24B732.66M663.10M842.34M563.29M863.00M547.29M762.71M816.49M839.44M1.37B1.64B1.87B
Total Debt42.50M47.70M51.66M51.73M69.37M100.38M99.42M113.35M158.63M164.38M174.16M180.09M-427.76M816.60M1.33B1.40B3.17B3.37B4.36B3.98B2.97B3.22B4.71B4.93B4.59B3.58B3.54B3.48B3.62B3.19B3.45B4.25B4.12B3.50B3.09B2.90B4.11B
Net Debt-71.92M-116.21M-125.27M-359.39M-238.37M-315.30M-332.05M-318.54M96.29M91.98M98.38M1.34B-165.88M538.25M617.00M521.15M781.87M2.56B3.49B2.04B1.53B1.50B3.23B2.84B3.34B2.85B2.87B2.61B3.00B2.33B2.85B3.48B2.79B2.23B1.72B1.26B2.24B

Cash Flow

Currency: AUD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow---73.61M57.09M60.56M166.88M149.82M232.40M206.15M179.29M91.06M-142.93M837.82M2.09B2.11B1.45B2.04B2.08B1.59B1.71B1.36B2.14B2.75B852.90M332.00M-16.00M559.00M172.84M-443.00M1.78B1.23B2.75B2.79B1.50B2.58B4.37B
Investing Cash Flow---38.33M-136.28M20.75M-132.79M-161.87M130.33M-223.57M-200.99M194.54M--179.68M-1.28B-2.82B-2.76B-1.61B-1.88B-2.81B-1.12B-1.65B-912.00M-3.53B-2.20B-1.41B-462.00M253.00M158.00M298.44M1.71B-1.08B-2.16B-2.77B-2.01B-428.00M-1.48B-2.97B
Financing Cash Flow---13.24M16.60M14.76M-14.56M6.93M9.42M-1.61M-38.53M82.04M-370.08M394.28M837.00M1.05B117.76M-162.00M804.00M460.00M-808.65M-180.00M1.15B64.00M-119.41M-135.48M-388.00M-555.00M-724.51M-947.62M-984.00M1.19B101.00M-790.00M-498.00M-745.00M-1.11B
Capital Expenditure000647.74K6.27M16.07M8.88M10.24M11.46M14.81M16.49M17.02M031.70M29.39M26.06M38.00M59.98M48.65M70.21M50.25M62.00M131.17M142.06M298.02M140.48M71.37M129.17M284.79M155.75M103.56M115.37M40.00M120.00M162.66M168.00M234.00M22.77M
Free Cash Flow---72.97M50.82M44.49M158.00M139.58M220.94M191.34M162.79M74.04M-113.79M808.44M1.57B2.07B1.39B1.57B2.01B1.54B1.65B1.25B2.03B2.54B712.43M260.63M-144.71M256.70M17.08M-562.36M1.69B1.19B2.63B2.63B1.33B2.34B4.35B
Dividends Paid---8.30M6.32M9.06M20.62M20.08M32.97M34.85M51.51M37.97M-41.86M64.50M133.00M141.00M224.63M497.00M809.00M1.07B856.14M830.00M776.00M466.00M233.00M216.00M359.00M494.00M537.00M237.00M459.00M265.00M162.00M315.00M441.00M760.00M835.14M
FCF to OCF---99.12%89.01%73.46%94.68%93.17%95.07%92.81%90.80%81.31%-79.62%96.49%75.06%98.20%95.87%76.92%96.63%96.85%96.38%92.05%94.83%92.30%83.53%78.50%904.41%45.92%9.88%126.94%94.72%96.76%95.64%94.20%88.82%90.91%99.48%
Dividend Paid to FCF---11.37%12.43%20.37%13.05%14.39%14.92%18.21%31.64%51.28%-36.78%7.98%8.48%6.81%16.12%31.69%40.18%69.23%51.81%66.20%38.26%18.34%32.71%82.88%-248.09%192.44%3143.54%-42.14%27.24%22.19%6.15%11.98%33.03%32.46%19.21%

Earnings

Report DateMar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Feb 25, 2014Mar 31, 2014Aug 19, 2014Sep 30, 2014Feb 24, 2015Mar 31, 2015Aug 18, 2015Sep 30, 2015Feb 23, 2016Mar 31, 2016Aug 17, 2016Feb 27, 2017Mar 31, 2017Aug 17, 2017Feb 26, 2018Mar 31, 2018Aug 16, 2018Feb 24, 2019Mar 31, 2019Aug 14, 2019Feb 23, 2020Aug 13, 2020Feb 18, 2021Apr 15, 2021Aug 11, 2021Dec 1, 2021Feb 17, 2022Apr 21, 2022Aug 10, 2022Nov 30, 2022Feb 17, 2023May 11, 2023Aug 10, 2023Nov 29, 2023Feb 15, 2024May 10, 2024Aug 8, 2024Nov 27, 2024Feb 20, 2025Mar 31, 2025Aug 8, 2025Feb 20, 2026Jun 30, 2026Feb 19, 2027
EPS Estimate-------------------------------------------------------0.42-0.38-0.31-0.40-0.30-0.240.36-0.24-0.16-0.220.29-0.350.21-0.11-0.100.000.260.000.270.000.250.000.420.000.490.000.610.000.560.000.56-0.54---
EPS Actual-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.000.000.000.000.00-0.00-0.00-0.00-0.00-0.00-0.01-0.00-0.010.260.490.260.490.320.890.340.890.440.950.480.950.470.720.400.720.340.870.420.870.270.500.290.610.160.330.150.280.160.310.160.31-0.060.37-0.050.340.170.360.170.000.170.000.170.140.210.190.41-0.290.25-1.340.100.000.020.150.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.520.000.310.600.660.760.67-
Surprise--------------------------------------------------------19.05%--5.26%--100.00%--100.00%--53.33%--20.83%13.89%-4.17%-737.50%--100.00%-93.10%--100.00%-100.00%100.00%100.00%--100.00%--100.00%--100.00%--100.00%--100.00%--100.00%--8.04%--44.64%-22.22%---
Timing-----------------------------------------------------------------------------------After-hours-Pre-market-After-hours--Pre-market----Pre-market---

Key Statistics & Ratios

Market Cap38.68B
Enterprise Value41.72B
Trailing P/E12.27
Forward P/E16.34
PEG Ratio0.58
Price / Sales1.99
Price / Book2.33
EPS2.11
Book Value11.07
Revenue (TTM)19.45B
Gross Profit (TTM)3.51B
EBITDA3.22B
Profit Margin11.15%
Operating Margin15.76%
Return on Equity19.29%
Return on Assets4.15%
Shares Outstanding1.49B
Shares Float1.49B
Beta0.08
Dividend Yield4.28%
Dividend Rate1.11
Payout Ratio77.59%

Ownership Breakdown

Institutions
58.52%
Insiders
0.08%
Retail / Other
41.40%

Top Fund Holders

  • New Perspective Fund Inc
    31.67M2.15%
  • Europacific Growth Fund
    22.50M1.53%
  • Vanguard International Stock Index-Total Intl Stock Indx
    22.40M1.52%
  • Matthews International Fds-Matthews Asia Dividend Fd
    12.34M0.84%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    9.30M0.63%
  • iShares Core MSCI EAFE ETF
    6.59M0.45%
  • iShares MSCI Eafe ETF
    4.86M0.33%
  • Bridge Builder Tr-Bridge Builder International Equity Fd
    4.78M0.32%
  • Putnam Focused International Equity Fund
    2.94M0.20%
  • Fidelity International Index Fund
    2.86M0.19%

Dividends

20262×
0.33Aug 24, 20260.78Mar 5, 2026
20252×
0.31Aug 19, 20250.63Mar 5, 2025
20242×
0.24Aug 16, 20240.48Mar 6, 2024
20232×
0.14Aug 17, 20230.30Mar 6, 2023
20222×
0.09Aug 18, 20220.19Mar 7, 2022
20211×
0.11Aug 19, 2021
20202×
0.04Aug 20, 20200.27Mar 5, 2020
20192×
0.25Aug 22, 20190.28Mar 7, 2019
20182×
0.22Aug 23, 20180.04Mar 8, 2018
20172×
0.22Aug 24, 20170.33Mar 9, 2017
20162×
0.21Aug 25, 20160.30Mar 10, 2016
20152×
0.20Aug 26, 20150.22Mar 4, 2015
20141×
0.15Aug 27, 2014

Stock Splits

  • Oct 28, 19975:4
  • Sep 24, 19965:4
  • Oct 6, 1994120:100
  • Oct 5, 19933:2
  • Mar 9, 19901.25:1
  • Sep 23, 19881.2133:1