Insurance Australia Group Limited Logo

Insurance Australia Group Limited

IAG.AX

(3.0)
Stock Price

7,71 AUD

2.75% ROA

11.61% ROE

16.98x PER

Market Cap.

13.568.814.000,00 AUD

33.4% DER

2.65% Yield

6.08% NPM

Insurance Australia Group Limited Stock Analysis

Insurance Australia 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.

Insurance Australia Group Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (33%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

The stock's ROE falls within an average range (12.71%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (2.75%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (2.21x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (19) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Insurance Australia 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.

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

Insurance Australia 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.

Insurance Australia Group Limited Revenue
Year Revenue Growth
1998 0
1999 0 0%
2000 0 0%
2001 3.532.000.000 100%
2002 3.295.000.000 -7.19%
2003 5.139.000.000 35.88%
2004 6.962.000.000 26.19%
2005 7.377.000.000 5.63%
2006 7.255.000.000 -1.68%
2007 7.930.000.000 8.51%
2008 8.306.000.000 4.53%
2009 8.493.000.000 2.2%
2010 7.999.000.000 -6.18%
2011 8.232.000.000 2.83%
2012 9.141.000.000 9.94%
2012 8.959.000.000 -2.03%
2013 9.483.000.000 5.53%
2014 11.122.000.000 14.74%
2015 8.104.000.000 -37.24%
2016 8.692.000.000 6.76%
2017 8.078.000.000 -7.6%
2018 7.806.000.000 -3.48%
2019 7.219.000.000 -8.13%
2020 7.878.000.000 8.37%
2021 7.574.000.000 -4.01%
2022 9.072.000.000 16.51%

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.

Insurance Australia Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 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 0 0%
2022 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.

Insurance Australia Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 549.392.000 100%
2002 297.000.000 -84.98%
2003 374.000.000 20.59%
2004 438.000.000 14.61%
2005 390.000.000 -12.31%
2006 298.000.000 -30.87%
2007 532.000.000 43.98%
2008 1.017.000.000 47.69%
2009 587.000.000 -73.25%
2010 359.000.000 -63.51%
2011 434.000.000 17.28%
2012 625.000.000 30.56%
2012 245.000.000 -155.1%
2013 256.000.000 4.3%
2014 465.000.000 44.95%
2015 285.000.000 -63.16%
2016 290.000.000 1.72%
2017 284.000.000 -2.11%
2018 193.000.000 -47.15%
2019 193.000.000 0%
2020 386.000.000 50%
2021 169.000.000 -128.4%
2022 238.000.000 28.99%

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.

Insurance Australia Group Limited EBITDA
Year EBITDA Growth
1998 94.800.000
1999 352.900.000 73.14%
2000 510.100.000 30.82%
2001 296.000.000 -72.33%
2002 77.000.000 -284.42%
2003 395.000.000 80.51%
2004 1.224.000.000 67.73%
2005 1.503.000.000 18.56%
2006 1.279.000.000 -17.51%
2007 1.084.000.000 -17.99%
2008 127.000.000 -753.54%
2009 470.000.000 72.98%
2010 492.000.000 4.47%
2011 689.000.000 28.59%
2012 607.000.000 -13.51%
2012 1.392.000.000 56.39%
2013 1.607.000.000 13.38%
2014 740.000.000 -117.16%
2015 744.000.000 0.54%
2016 1.173.000.000 36.57%
2017 1.249.000.000 6.08%
2018 1.140.000.000 -9.56%
2019 384.000.000 -196.88%
2020 -378.000.000 201.59%
2021 394.000.000 195.94%
2022 998.000.000 60.52%

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.

Insurance Australia Group Limited Gross Profit
Year Gross Profit Growth
1998 0
1999 0 0%
2000 0 0%
2001 3.532.000.000 100%
2002 3.295.000.000 -7.19%
2003 5.139.000.000 35.88%
2004 6.962.000.000 26.19%
2005 7.377.000.000 5.63%
2006 7.255.000.000 -1.68%
2007 7.930.000.000 8.51%
2008 8.306.000.000 4.53%
2009 8.493.000.000 2.2%
2010 7.999.000.000 -6.18%
2011 8.232.000.000 2.83%
2012 9.141.000.000 9.94%
2012 8.959.000.000 -2.03%
2013 9.483.000.000 5.53%
2014 11.122.000.000 14.74%
2015 8.104.000.000 -37.24%
2016 8.692.000.000 6.76%
2017 8.078.000.000 -7.6%
2018 7.806.000.000 -3.48%
2019 7.219.000.000 -8.13%
2020 7.878.000.000 8.37%
2021 7.574.000.000 -4.01%
2022 9.072.000.000 16.51%

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.

Insurance Australia Group Limited Net Profit
Year Net Profit Growth
1998 -8.200.000
1999 -23.000.000 64.35%
2000 -100.103.200 77.02%
2001 -61.610.000 -62.48%
2002 58.000.000 206.22%
2003 -64.000.000 190.63%
2004 -141.000.000 54.61%
2005 -119.000.000 -18.49%
2006 759.000.000 115.68%
2007 552.000.000 -37.5%
2008 -261.000.000 311.49%
2009 181.000.000 244.2%
2010 91.000.000 -98.9%
2011 250.000.000 63.6%
2012 207.000.000 -20.77%
2012 1.063.000.000 80.53%
2013 1.233.000.000 13.79%
2014 728.000.000 -69.37%
2015 625.000.000 -16.48%
2016 938.000.000 33.37%
2017 947.000.000 0.95%
2018 871.000.000 -8.73%
2019 435.000.000 -100.23%
2020 -414.000.000 205.07%
2021 347.000.000 219.31%
2022 728.000.000 52.34%

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.

Insurance Australia Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2012 1 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

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.

Insurance Australia Group Limited Free Cashflow
Year Free Cashflow Growth
1998 0
1999 118.200.000 100%
2000 605.080.600 80.47%
2001 296.999.000 -103.73%
2002 531.000.000 44.07%
2003 825.000.000 35.64%
2004 1.169.000.000 29.43%
2005 890.000.000 -31.35%
2006 38.947.000.000 97.71%
2007 -21.258.000.000 283.21%
2008 -9.000.000 -236100%
2009 414.000.000 102.17%
2010 -13.383.000.000 103.09%
2011 -8.428.000.000 -58.79%
2012 1.790.000.000 570.84%
2012 -8.109.000.000 122.07%
2013 1.077.000.000 852.92%
2014 698.000.000 -54.3%
2015 -1.946.000.000 135.87%
2016 636.000.000 405.97%
2017 -53.000.000 1300%
2018 589.000.000 109%
2019 381.000.000 -54.59%
2020 1.610.000.000 76.34%
2021 899.000.000 -79.09%
2022 81.500.000 -1003.07%

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.

Insurance Australia Group Limited Operating Cashflow
Year Operating Cashflow Growth
1998 0
1999 118.200.000 100%
2000 642.689.700 81.61%
2001 346.000.000 -85.75%
2002 531.000.000 34.84%
2003 825.000.000 35.64%
2004 1.169.000.000 29.43%
2005 897.000.000 -30.32%
2006 387.000.000 -131.78%
2007 401.000.000 3.49%
2008 5.000.000 -7920%
2009 414.000.000 98.79%
2010 1.115.000.000 62.87%
2011 620.000.000 -79.84%
2012 1.790.000.000 65.36%
2012 1.514.000.000 -18.23%
2013 1.077.000.000 -40.58%
2014 698.000.000 -54.3%
2015 -1.946.000.000 135.87%
2016 636.000.000 405.97%
2017 -53.000.000 1300%
2018 589.000.000 109%
2019 381.000.000 -54.59%
2020 1.610.000.000 76.34%
2021 899.000.000 -79.09%
2022 81.500.000 -1003.07%

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.

Insurance Australia Group Limited Capital Expenditure
Year Capital Expenditure Growth
1998 0
1999 0 0%
2000 37.609.100 100%
2001 49.001.000 23.25%
2002 0 0%
2003 0 0%
2004 0 0%
2005 7.000.000 100%
2006 -38.560.000.000 100.02%
2007 21.659.000.000 278.03%
2008 14.000.000 -154607.14%
2009 0 0%
2010 14.498.000.000 100%
2011 9.048.000.000 -60.23%
2012 0 0%
2012 9.623.000.000 100%
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 0 0%
2022 0 0%

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.

Insurance Australia Group Limited Equity
Year Equity Growth
1998 2.308.100.000
1999 2.832.800.000 18.52%
2000 2.852.843.200 0.7%
2001 2.523.000.000 -13.07%
2002 2.476.000.000 -1.9%
2003 3.575.000.000 30.74%
2004 3.538.000.000 -1.05%
2005 3.855.000.000 8.22%
2006 3.491.000.000 -10.43%
2007 4.660.000.000 25.09%
2008 4.204.000.000 -10.85%
2009 4.671.000.000 10%
2010 4.486.000.000 -4.12%
2011 4.580.000.000 2.05%
2012 4.524.000.000 -1.24%
2012 4.785.000.000 5.45%
2013 6.624.000.000 27.76%
2014 6.938.000.000 4.53%
2015 6.574.000.000 -5.54%
2016 6.583.000.000 0.14%
2017 6.700.000.000 1.75%
2018 6.406.000.000 -4.59%
2019 6.373.000.000 -0.52%
2020 6.576.000.000 3.09%
2021 6.521.000.000 -0.84%
2022 7.025.000.000 7.17%

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.

Insurance Australia Group Limited Assets
Year Assets Growth
1998 6.477.000.000
1999 10.961.100.000 40.91%
2000 12.129.900.000 9.64%
2001 12.586.000.000 3.62%
2002 11.307.000.000 -11.31%
2003 16.392.000.000 31.02%
2004 16.335.000.000 -0.35%
2005 17.147.000.000 4.74%
2006 16.972.000.000 -1.03%
2007 21.610.000.000 21.46%
2008 19.380.000.000 -11.51%
2009 19.315.000.000 -0.34%
2010 20.446.000.000 5.53%
2011 22.923.000.000 10.81%
2012 25.132.000.000 8.79%
2012 24.859.000.000 -1.1%
2013 29.748.000.000 16.43%
2014 31.402.000.000 5.27%
2015 30.030.000.000 -4.57%
2016 29.597.000.000 -1.46%
2017 29.766.000.000 0.57%
2018 29.286.000.000 -1.64%
2019 29.694.000.000 1.37%
2020 33.449.000.000 11.23%
2021 34.083.000.000 1.86%
2022 35.026.000.000 2.69%

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.

Insurance Australia Group Limited Liabilities
Year Liabilities Growth
1998 5.256.200.000
1999 8.128.300.000 35.33%
2000 8.645.800.000 5.99%
2001 9.198.000.000 6%
2002 8.328.000.000 -10.45%
2003 12.339.000.000 32.51%
2004 12.111.000.000 -1.88%
2005 12.707.000.000 4.69%
2006 13.301.000.000 4.47%
2007 16.778.000.000 20.72%
2008 15.029.000.000 -11.64%
2009 14.479.000.000 -3.8%
2010 15.790.000.000 8.3%
2011 18.343.000.000 13.92%
2012 20.608.000.000 10.99%
2012 1.620.000.000 -1172.1%
2013 1.752.000.000 7.53%
2014 1.762.000.000 0.57%
2015 1.962.000.000 10.19%
2016 1.624.000.000 -20.81%
2017 1.960.000.000 17.14%
2018 2.080.000.000 5.77%
2019 1.526.000.000 -36.3%
2020 1.987.000.000 23.2%
2021 2.055.000.000 3.31%
2022 2.139.000.000 3.93%

Insurance Australia Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.53
Net Income per Share
0.33
Price to Earning Ratio
16.98x
Price To Sales Ratio
1.54x
POCF Ratio
31.25
PFCF Ratio
30.02
Price to Book Ratio
2.13
EV to Sales
1.68
EV Over EBITDA
13.31
EV to Operating CashFlow
32.86
EV to FreeCashFlow
32.86
Earnings Yield
0.06
FreeCashFlow Yield
0.03
Market Cap
13,57 Bil.
Enterprise Value
14,85 Bil.
Graham Number
4.45
Graham NetNet
1.73

Income Statement Metrics

Net Income per Share
0.33
Income Quality
0.54
ROE
0.13
Return On Assets
0.03
Return On Capital Employed
0.14
Net Income per EBT
0.58
EBT Per Ebit
0.89
Ebit per Revenue
0.12
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.12
Pretax Profit Margin
0.1
Net Profit Margin
0.06

Dividends

Dividend Yield
0.03
Dividend Yield %
2.65
Payout Ratio
0.32
Dividend Per Share
0.15

Operating Metrics

Operating Cashflow per Share
0.18
Free CashFlow per Share
0.18
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0.03
Days Sales Outstanding
233.81
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.56
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,89
Book Value per Share
2,65
Tangible Book Value per Share
11.24
Shareholders Equity per Share
2.65
Interest Debt per Share
0.83
Debt to Equity
0.33
Debt to Assets
0.06
Net Debt to EBITDA
1.15
Current Ratio
0.54
Tangible Asset Value
28,10 Bil.
Net Current Asset Value
-0,79 Bil.
Invested Capital
0.33
Working Capital
-1,14 Bil.
Intangibles to Total Assets
0.14
Average Receivables
2,82 Bil.
Average Payables
1,21 Bil.
Average Inventory
0
Debt to Market Cap
0.16

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.

Insurance Australia Group Limited Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 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%
2021 0 0%
2022 0 0%
2023 0 0%

Insurance Australia Group Limited Profile

About Insurance Australia Group Limited

Insurance Australia Group Limited underwrites general insurance products and provides investment management services in Australia and New Zealand. It offers personal and commercial insurance products, including bicycle, comprehensive motor, commercial and motor fleet, commercial property and liability, construction and engineering, consumer credit, compulsory third party, directors and officers, extended warranty, farm, crop, livestock, home and contents, income protection, marine, veteran, vintage and classic car, boat, caravan, travel, life, professional indemnity, public and product liability, security, workers' compensation, motor vehicle, business, and rural and horticultural, as well as reinsurance. The company sells its products through branches and agencies, call centers, online facilities, brokers, agents, authorized representatives, and financial institutions; and third parties under the NRMA Insurance, SGIO, SGIC, RACV, CGU, ROLLiN, WFI, Swann Insurance, NZI, State, AMI, Lumley, and Coles Insurance brands. The company was formerly known as NRMA Insurance Group Limited and changed its name to Insurance Australia Group Limited in 2002. Insurance Australia Group Limited was founded in 1920 and is based in Sydney, Australia.

CEO
Mr. Nicholas B. Hawkins B.Com.
Employee
13.650
Address
Tower Two
Sydney, 2000

Insurance Australia Group Limited Executives & BODs

Insurance Australia Group Limited Executives & BODs
# Name Age
1 Ms. Amanda G. Whiting
Chief Executive of New Zealand
70
2 Ms. Amanda Wallace
Head of Corporate Communications
70
3 Mr. Darren O'Connell
Executive General Manager of Underwriting
70
4 Mr. Neil Morgan B.Sc.
Chief Operating Officer
70
5 Mr. Peter John Taylor B.Com.
Group Chief Risk Officer
70
6 Ms. Christine Stasi B.A.
Group Executive of People, Performance & Reputation
70
7 Mr. Jarrod Hill
Chief Executive Officer of CGU & WFI
70
8 Mr. William Rufus Benjamin McDonnell
Chief Financial Officer
70
9 Mr. Nicholas B. Hawkins B.Com., CA, F.C.A.
MD, Chief Executive Officer & Executive Director
70
10 Ms. Julie Batch
Chief Executive Officer of NRMA Insurance
70

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