AUB Group Limited Logo

AUB Group Limited

AUB.AX

(2.2)
Stock Price

31,52 AUD

9.59% ROA

13.91% ROE

17.82x PER

Market Cap.

3.631.685.050,00 AUD

43.65% DER

2.54% Yield

18.65% NPM

AUB Group Limited Stock Analysis

AUB Group Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

AUB Group Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (9%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (9.79%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (6.41%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (2.52x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (149) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

AUB Group Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

AUB Group Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

AUB Group Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

AUB Group Limited Revenue
Year Revenue Growth
2005 0
2006 0 0%
2007 0 0%
2008 64.019.000 100%
2009 77.095.000 16.96%
2010 85.639.000 9.98%
2011 90.996.000 5.89%
2012 99.840.000 8.86%
2013 138.656.000 27.99%
2014 172.966.000 19.84%
2015 217.347.000 20.42%
2016 233.878.000 7.07%
2017 264.509.000 11.58%
2018 278.479.000 5.02%
2019 307.178.000 9.34%
2020 298.976.000 -2.74%
2020 307.745.000 2.85%
2021 315.861.000 2.57%
2022 336.859.000 6.23%
2023 826.342.000 59.23%
2024 2.180.764.000 62.11%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

AUB Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

AUB Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 29.144.000 100%
2007 34.696.000 16%
2008 41.157.000 15.7%
2009 46.609.000 11.7%
2010 49.678.000 6.18%
2011 53.303.000 6.8%
2012 65.269.000 18.33%
2013 87.841.000 25.7%
2014 107.089.000 17.97%
2015 6.023.000 -1678%
2016 9.783.000 38.43%
2017 11.204.000 12.68%
2018 11.716.000 4.37%
2019 14.387.000 18.57%
2020 177.155.000 91.88%
2020 19.888.000 -790.76%
2021 23.186.000 14.22%
2022 47.522.000 51.21%
2023 84.070.000 43.47%
2024 180.780.000 53.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

AUB Group Limited EBITDA
Year EBITDA Growth
2005 11.648.000
2006 25.288.000 53.94%
2007 20.007.000 -26.4%
2008 25.527.000 21.62%
2009 29.772.000 14.26%
2010 33.873.000 12.11%
2011 38.559.000 12.15%
2012 43.755.000 11.88%
2013 67.859.000 35.52%
2014 63.309.000 -7.19%
2015 60.269.000 -5.04%
2016 61.670.000 2.27%
2017 69.400.000 11.14%
2018 74.734.000 7.14%
2019 71.954.000 -3.86%
2020 87.207.000 17.49%
2020 78.889.000 -10.54%
2021 73.258.000 -7.69%
2022 97.473.000 24.84%
2023 241.808.000 59.69%
2024 741.164.000 67.37%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

AUB Group Limited Gross Profit
Year Gross Profit Growth
2005 0
2006 0 0%
2007 0 0%
2008 64.019.000 100%
2009 77.095.000 16.96%
2010 85.639.000 9.98%
2011 90.996.000 5.89%
2012 99.840.000 8.86%
2013 55.180.000 -80.94%
2014 70.160.000 21.35%
2015 103.381.000 32.13%
2016 105.211.000 1.74%
2017 116.930.000 10.02%
2018 123.536.000 5.35%
2019 128.089.000 3.55%
2020 298.976.000 57.16%
2020 274.573.001 -8.89%
2021 280.504.000 2.11%
2022 295.078.000 4.94%
2023 739.632.000 60.1%
2024 1.128.876.004 34.48%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

AUB Group Limited Net Profit
Year Net Profit Growth
2005 -456.000
2006 18.110.000 102.52%
2007 12.590.000 -43.84%
2008 14.316.000 12.06%
2009 15.903.000 9.98%
2010 18.189.000 12.57%
2011 21.365.000 14.87%
2012 25.640.000 16.67%
2013 41.203.000 37.77%
2014 34.655.000 -18.89%
2015 34.887.000 0.67%
2016 42.002.000 16.94%
2017 32.988.000 -27.33%
2018 46.520.000 29.09%
2019 48.361.000 3.81%
2020 47.254.000 -2.34%
2020 47.254.000 0%
2021 70.621.000 33.09%
2022 80.836.000 12.64%
2023 65.253.000 -23.88%
2024 335.792.000 80.57%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

AUB Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 3 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

AUB Group Limited Free Cashflow
Year Free Cashflow Growth
2005 5.462.000
2006 6.624.000 17.54%
2007 9.482.000 30.14%
2008 17.876.000 46.96%
2009 26.053.000 31.39%
2010 28.716.000 9.27%
2011 33.386.000 13.99%
2012 35.097.000 4.88%
2013 37.636.000 6.75%
2014 29.532.000 -27.44%
2015 41.640.000 29.08%
2016 19.714.000 -111.22%
2017 49.072.000 59.83%
2018 51.774.000 5.22%
2019 62.357.000 16.97%
2020 89.597.000 30.4%
2021 111.887.000 19.92%
2022 93.342.000 -19.87%
2023 201.489.000 53.67%
2024 95.948.000 -110%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

AUB Group Limited Operating Cashflow
Year Operating Cashflow Growth
2005 5.462.000
2006 8.218.000 33.54%
2007 12.312.000 33.25%
2008 19.403.000 36.55%
2009 28.139.000 31.05%
2010 29.784.000 5.52%
2011 34.988.000 14.87%
2012 37.208.000 5.97%
2013 39.170.000 5.01%
2014 32.032.000 -22.28%
2015 44.335.000 27.75%
2016 24.746.000 -79.16%
2017 55.529.000 55.44%
2018 57.507.000 3.44%
2019 69.528.000 17.29%
2020 90.109.000 22.84%
2021 112.586.000 19.96%
2022 95.535.000 -17.85%
2023 202.238.000 52.76%
2024 99.321.000 -103.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

AUB Group Limited Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 1.594.000 100%
2007 2.830.000 43.67%
2008 1.527.000 -85.33%
2009 2.086.000 26.8%
2010 1.068.000 -95.32%
2011 1.602.000 33.33%
2012 2.111.000 24.11%
2013 1.534.000 -37.61%
2014 2.500.000 38.64%
2015 2.695.000 7.24%
2016 5.032.000 46.44%
2017 6.457.000 22.07%
2018 5.733.000 -12.63%
2019 7.171.000 20.05%
2020 512.000 -1300.59%
2021 699.000 26.75%
2022 2.193.000 68.13%
2023 749.000 -192.79%
2024 3.373.000 77.79%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

AUB Group Limited Equity
Year Equity Growth
2005 75.796.000
2006 84.468.000 10.27%
2007 94.730.000 10.83%
2008 103.669.000 8.62%
2009 114.253.000 9.26%
2010 134.574.000 15.1%
2011 153.316.000 12.22%
2012 172.290.000 11.01%
2013 230.398.000 25.22%
2014 269.579.000 14.53%
2015 311.326.000 13.41%
2016 351.235.000 11.36%
2017 345.781.000 -1.58%
2018 357.230.000 3.2%
2019 483.398.000 26.1%
2020 490.418.000 1.43%
2021 598.287.000 18.03%
2022 997.677.000 40.03%
2023 1.513.368.000 34.08%
2024 1.749.211.000 13.48%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

AUB Group Limited Assets
Year Assets Growth
2005 182.478.000
2006 195.024.000 6.43%
2007 211.626.000 7.84%
2008 253.294.000 16.45%
2009 307.701.000 17.68%
2010 325.344.000 5.42%
2011 367.327.000 11.43%
2012 407.139.000 9.78%
2013 564.064.000 27.82%
2014 626.481.000 9.96%
2015 675.005.000 7.19%
2016 721.101.000 6.39%
2017 754.362.000 4.41%
2018 781.141.000 3.43%
2019 855.926.000 8.74%
2020 1.020.354.000 16.11%
2021 1.146.118.000 10.97%
2022 1.640.482.000 30.14%
2023 3.884.318.000 57.77%
2024 4.049.250.000 4.07%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

AUB Group Limited Liabilities
Year Liabilities Growth
2005 106.682.000
2006 110.556.000 3.5%
2007 116.896.000 5.42%
2008 149.625.000 21.87%
2009 193.448.000 22.65%
2010 190.770.000 -1.4%
2011 214.011.000 10.86%
2012 234.849.000 8.87%
2013 333.666.000 29.62%
2014 356.902.000 6.51%
2015 363.679.000 1.86%
2016 369.866.000 1.67%
2017 408.581.000 9.48%
2018 423.911.000 3.62%
2019 372.528.000 -13.79%
2020 529.936.000 29.7%
2021 547.831.000 3.27%
2022 642.805.000 14.77%
2023 2.370.950.000 72.89%
2024 2.300.039.000 -3.08%

AUB Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.37
Net Income per Share
1.75
Price to Earning Ratio
17.82x
Price To Sales Ratio
3.52x
POCF Ratio
41.8
PFCF Ratio
48.04
Price to Book Ratio
2.27
EV to Sales
2.98
EV Over EBITDA
14.89
EV to Operating CashFlow
37.44
EV to FreeCashFlow
40.61
Earnings Yield
0.06
FreeCashFlow Yield
0.02
Market Cap
3,63 Bil.
Enterprise Value
3,07 Bil.
Graham Number
23.25
Graham NetNet
-7.15

Income Statement Metrics

Net Income per Share
1.75
Income Quality
0.6
ROE
0.14
Return On Assets
0.05
Return On Capital Employed
0.08
Net Income per EBT
1.51
EBT Per Ebit
0.6
Ebit per Revenue
0.21
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.65
Operating Profit Margin
0.21
Pretax Profit Margin
0.12
Net Profit Margin
0.19

Dividends

Dividend Yield
0.03
Dividend Yield %
2.54
Payout Ratio
0.38
Dividend Per Share
0.79

Operating Metrics

Operating Cashflow per Share
0.75
Free CashFlow per Share
0.69
Capex to Operating CashFlow
0.08
Capex to Revenue
0.01
Capex to Depreciation
0.09
Return on Invested Capital
0.08
Return on Tangible Assets
0.1
Days Sales Outstanding
106.72
Days Payables Outstanding
82.58
Days of Inventory on Hand
0
Receivables Turnover
3.42
Payables Turnover
4.42
Inventory Turnover
0
Capex per Share
0.06

Balance Sheet

Cash per Share
11,70
Book Value per Share
15,90
Tangible Book Value per Share
-2.67
Shareholders Equity per Share
13.74
Interest Debt per Share
6
Debt to Equity
0.44
Debt to Assets
0.16
Net Debt to EBITDA
-2.72
Current Ratio
1.17
Tangible Asset Value
-0,29 Bil.
Net Current Asset Value
-0,69 Bil.
Invested Capital
2365712000
Working Capital
0,24 Bil.
Intangibles to Total Assets
0.5
Average Receivables
0,28 Bil.
Average Payables
0,53 Bil.
Average Inventory
0
Debt to Market Cap
0.18

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

AUB Group Limited Dividends
Year Dividends Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

AUB Group Limited Profile

About AUB Group Limited

AUB Group Limited engages in the insurance broking and underwriting businesses in Australia and New Zealand. The company provides insurance broking and advisory services primarily to SME clients; distributes ancillary products; and designs, distributes, and manages insurance products on behalf of licensed insurance companies. It also offers support services, such as loss adjustment, investigations, claims management, and claim legal support services; and automated quoting and binding, white-labelling, and technological support services, as well as ExpressCover; and BizCover, a digital SME insurance platform with multi-channel presence and insurance offerings. The company was formerly known as Austbrokers Holdings Limited and changed its name to AUB Group Limited in November 2015. AUB Group Limited was incorporated in 1885 and is headquartered in North Sydney, Australia.

CEO
Mr. Michael Patrick-Cheere Emm
Employee
2.582
Address
141 Walker Street
North Sydney, 2060

AUB Group Limited Executives & BODs

AUB Group Limited Executives & BODs
# Name Age
1 Mr. Michael Patrick-Cheere Emmett B.Com., C.A.
Chief Executive Officer, MD & Director
70
2 Ms. Elizabeth M. McGregor B.A., FCIS, M.B.A.
Group Head of Company Secretarial & Joint Company Secretary
70
3 Mr. Mark J. Shanahan CPA
Chief Financial Officer
70
4 Mr. Ben J. Bessell
Chief Broking Officer of Austbrokers
70
5 Mr. Steve Burnett
Group Chief Information Officer
70
6 Mr. Richard H. Bell B.Com., BComm (Law), L.L.B.
Chief Legal & Risk Officer and Company Secretary
70
7 Mr. Keith R. McIvor
Managing Director of AUB Group New Zealand
70
8 Mr. Angie Zissis
Chief Underwriting Officer & Chief Executive Officer of Austbrokers Member Services
70
9 Mr. W. Y. Patterson
Executive Director of Underwriting Agencies- Austagencies
70
10 Mr. Ron W. Broadbent
Regional Operations Manager of Queensland and New South Wales
70

AUB Group Limited Competitors