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IAG.AX stock logo

IAG.AX

Insurance Australia Group Limited

$7.28
0.04
 (0.55%)
Exchange:  ASX
Market Cap:  17.109B
Shares Outstanding:  2.396B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Nicholas Hawkins
Full Time Employees:  13650
Address: 
Tower Two
Sydney
NSW
2000
AU
Website:  https://www.iag.com.au
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue409,00015,994,00014,762,000
Gross Profit8,926,00015,994,00015,063,000
EBITDA1,688,0001,876,0002,625,000
Operating Income1,512,00015,788,0002,405,000
Net Income832,000898,0001,359,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets35,027,00025,617,00026,309,000
Total Liabilities27,978,00018,500,00018,523,000
Total Stockholders Equity6,650,0006,660,0007,329,000
Total Debt2,636,0002,937,0002,957,000
Cash and Cash Equivalents1,353,0001,841,000703,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow452,0001,800,0001,352,000
Capital Expenditure0-637,0000
Free Cash Flow452,0001,163,0001,352,000
Net Income832,000898,0000
Net Change in Cash415,000488,000412,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)20,501,011.016Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)22,189,678.108Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)21,196,995.388Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)5,697,077.546Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)6,166,345.494Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)5,890,486.395Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,155,688.680Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,280,720.640Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,207,223.880Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)6,295,619.984Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)6,814,189.839Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)6,509,348.620Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.540Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.490Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.95
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
16.25
?Enterprise Value
 (TTM)
: 
20.621B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.67
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.5
?P/B
 (TTM)
: 
2.42  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
26.19Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate IAG Intrinsic Value

Common questions about IAG.AX valuation

Is Insurance Australia Group Limited (IAG.AX) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Insurance Australia Group Limited (IAG.AX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is IAG.AX a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether IAG.AX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is IAG.AX’s P/E ratio?

You can see IAG.AX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for IAG.AX?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is IAG.AX a good long-term investment?

Whether IAG.AX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

IAG.AX

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.55
MARKETSnap

Trading Metrics:

Open: 7.22   Previous Close: 7.24
Day Low: 7.19   Day High: 7.3
Year Low: 6.39   Year High: 9.18
Price Avg 50: 7.1   Price Avg 200: 7.84
Volume: 930472   Average Volume: 6.989M

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