Balance Sheet Insurance Australia Group Limited

Equities

IAG

AU000000IAG3

Property & Casualty Insurance

Market Closed - Australian S.E. Other stock markets 10:48:23 13/03/2026 am IST			5-day change	1st Jan Change
7.250 ^AUD	+3.28%		+10.52%	-9.15%

13/03	Insurance Australia Group's New Zealand Unit Moves to Guidewire Cloud Platform	MT
11/03	Australian shares extend recovery as miners rally on strong metal prices	RE

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Published financial data: INSURANCE AUSTRALIA GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	742Cr	790.9Cr	832.6Cr	1.54TCr	1.68TCr
Total Interest And Dividend Income	46Cr	-34Cr	49Cr	57Cr	58Cr
Total Revenues	787.8Cr	757.4Cr	881.7Cr	1.6TCr	1.74TCr
Policy Benefits	595.7Cr	501.5Cr	530.6Cr	1.28TCr	1.3TCr
Policy Acquisition / Underwriting Costs, Total	315.9Cr	304.4Cr	314.9Cr	-	-
Selling General & Admin Expenses, Total	39Cr	17Cr	23Cr	21Cr	14Cr
Other Operating Expenses	-16Cr	-13Cr	-16Cr	-16Cr	-6.5Cr
Reinsurance Income Or Expense	112.5Cr	116.2Cr	122.1Cr	-149.4Cr	-189.7Cr
Total Operating Expenses	821.2Cr	693.4Cr	730.5Cr	1.43TCr	1.5TCr
Operating Income	-33Cr	64Cr	151.2Cr	167.6Cr	240.5Cr
Interest Expense, Total	-8.9Cr	-9.3Cr	-14Cr	-18Cr	-19Cr
Income (Loss) on Equity Invest.	3.5Cr	1.7Cr	-1.3Cr	-	-
EBT, Excl. Unusual Items	-39Cr	56Cr	135.4Cr	149.1Cr	221.3Cr
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	-39Cr	56Cr	135.4Cr	149.1Cr	221.3Cr
Income Tax Expense	-12Cr	14Cr	43Cr	46Cr	68Cr
Earnings From Continuing Operations	-26Cr	42Cr	92Cr	103.3Cr	153.5Cr
Earnings Of Discontinued Operations	-1.3Cr	-	-	-	-
Net Income to Company	-28Cr	42Cr	92Cr	103.3Cr	153.5Cr
Minority Interest	-15Cr	-7.7Cr	-9.3Cr	-14Cr	-18Cr
Net Income - (IS)	-43Cr	35Cr	83Cr	90Cr	135.9Cr
Net Income to Common Incl Extra Items	-43Cr	35Cr	83Cr	90Cr	135.9Cr
Net Income to Common Excl. Extra Items	-41Cr	35Cr	83Cr	90Cr	135.9Cr
Per Share Items
Net EPS - Basic	-0.18	0.14	0.34	0.37	0.57
Basic EPS - Continuing Operations	-0.17	0.14	0.34	0.37	0.57
Basic Weighted Average Shares Outstanding	239.6Cr	246.2Cr	245.3Cr	240.7Cr	236.4Cr
Net EPS - Diluted	-0.18	0.13	0.32	0.36	0.56
Diluted EPS - Continuing Operations	-0.17	0.13	0.32	0.36	0.56
Diluted Weighted Average Shares Outstanding	239.6Cr	276Cr	284.5Cr	278.4Cr	255.6Cr
Normalized Basic EPS	-0.16	0.11	0.31	0.33	0.51
Normalized Diluted EPS	-0.16	0.1	0.26	0.29	0.47
Dividend Per Share	0.2	0.11	0.15	0.27	0.31
Payout Ratio	-40.52	134.87	32.45	51.22	50.55
American Depositary Receipts Ratio (ADR)	5	5	5	5	5
Supplemental Items
EBITDA	-18Cr	68Cr	155.1Cr	173.4Cr	244.3Cr
EBITA	-23Cr	65Cr	151.3Cr	167.9Cr	240.8Cr
EBIT	-33Cr	64Cr	151.2Cr	167.6Cr	240.5Cr
EBITDAR	-18Cr	69Cr	155.6Cr	173.7Cr	244.5Cr
Effective Tax Rate - (Ratio)	32.22	24.82	31.68	30.72	30.64
Total Current Taxes	23Cr	14Cr	13Cr	23Cr	44Cr
Total Deferred Taxes	-35Cr	80L	30Cr	22Cr	25Cr
Normalized Net Income	-39Cr	28Cr	75Cr	80Cr	120.71Cr
Interest on Long-Term Debt	1.8Cr	1.6Cr	1.5Cr	1.5Cr	1.4Cr
Non-Cash Pension Expense	60L	50L	40L	40L	40L
Supplemental Operating Expense Items
General and Administrative Expenses	39Cr	17Cr	23Cr	21Cr	14Cr
Net Rental Expense, Total	40L	70L	50L	30L	20L
Imputed Operating Lease Interest Expense	11.98L	20.2L	22.22L	15.93L	10.42L
Imputed Operating Lease Depreciation	28.02L	49.8L	27.78L	14.07L	10L
Stock-Based Comp., Other (Total)	1.3Cr	1.5Cr	90L	2Cr	4.8Cr
Total Stock-Based Compensation	1.3Cr	1.5Cr	90L	2Cr	4.8Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	935Cr	991.2Cr	973.8Cr	1.04TCr	1.06TCr
Investment In Equity and Preferred Securities, Total	142.5Cr	134.4Cr	121.2Cr	132.5Cr	134.3Cr
Total Other Investments	-	-	-	-	-
Total investments	1.08TCr	1.13TCr	1.1TCr	1.17TCr	1.19TCr
Cash And Equivalents	199.8Cr	94Cr	135.3Cr	184.1Cr	225.3Cr
Reinsurance Recoverable - (IS)	744.2Cr	803.6Cr	786.7Cr	637.3Cr	668.7Cr
Other Receivables - (Insurance Template)	418.4Cr	446.1Cr	537.2Cr	87Cr	64Cr
Deferred Policy Acquisition Costs - (BS)	99Cr	103Cr	115.9Cr	-	-
Net Property Plant And Equipment	61Cr	59Cr	59Cr	52Cr	52Cr
Goodwill	282.9Cr	282.3Cr	283Cr	281.1Cr	282.4Cr
Other Intangibles, Total	39Cr	59Cr	80Cr	95Cr	108.8Cr
Other Current Assets, Total	35Cr	34Cr	30L	1.4Cr	4.4Cr
Deferred Tax Assets Long-Term (Collected)	98Cr	96Cr	66Cr	45Cr	21Cr
Deferred Charges Long-Term	274.5Cr	291.6Cr	334Cr	-	-
Other Long-Term Assets, Total	16Cr	15Cr	9.8Cr	11Cr	14Cr
Total Assets	3.34TCr	3.41TCr	3.5TCr	2.56TCr	2.63TCr
Liabilities
Accounts Payable, Total	37Cr	18Cr	19Cr	98Cr	84Cr
Accrued Expenses, Total	87Cr	128.9Cr	133.5Cr	10L	10L
Insurance And Annuity Liabilities	-	-	-	1.39TCr	1.38TCr
Unpaid Claims	1.33TCr	1.4TCr	1.33TCr	-	-
Unearned Premiums	652.7Cr	683.1Cr	774.7Cr	-	-
Reinsurance Payable - (BS)	119.4Cr	129.2Cr	142.5Cr	-	-
Current Portion of Leases	7.9Cr	7.4Cr	7.4Cr	7Cr	8.1Cr
Long-Term Debt	198.7Cr	205.5Cr	213.9Cr	249.9Cr	255.6Cr
Long-Term Leases	51Cr	46Cr	42Cr	37Cr	32Cr
Current Income Taxes Payable	12Cr	1.3Cr	3.3Cr	12Cr	27Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	86Cr	78Cr	67Cr	-	-
Pension & Other Post Retirement Benefits	6.7Cr	1.2Cr	30L	39Cr	42Cr
Deferred Tax Liability Non-Current	-	-	-	4.6Cr	5.5Cr
Other Non Current Liabilities	100.8Cr	64Cr	68Cr	11Cr	12Cr
Total Liabilities	2.69TCr	2.76TCr	2.8TCr	1.85TCr	1.85TCr
Common Stock, Total	738.6Cr	738.6Cr	726.4Cr	683.6Cr	679.9Cr
Retained Earnings	-112Cr	-120.2Cr	-64Cr	-20Cr	48Cr
Comprehensive Income and Other	-2Cr	-2.1Cr	2.4Cr	1.9Cr	4.7Cr
Total Common Equity	624.6Cr	616.3Cr	665Cr	666Cr	732.9Cr
Minority Interest	31Cr	34Cr	40Cr	46Cr	46Cr
Total Equity	655.6Cr	650Cr	704.9Cr	711.7Cr	778.6Cr
Total Liabilities And Equity	3.34TCr	3.41TCr	3.5TCr	2.56TCr	2.63TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	246.1Cr	246.21Cr	243.85Cr	236.82Cr	235.95Cr
ECS Total Common Shares Outstanding	246.1Cr	246.21Cr	243.85Cr	236.8Cr	235.95Cr
Book Value / Share	2.54	2.5	2.73	2.81	3.11
Tangible Book Value	302.6Cr	275.2Cr	301.8Cr	290.2Cr	341.7Cr
Tangible Book Value Per Share	1.23	1.12	1.24	1.23	1.45
Tangible Book Value Per Share (As Reported)	1.23	1.12	1.24	1.22	1.44
Total Debt	257.2Cr	258.4Cr	263.6Cr	293.7Cr	295.7Cr
Net Debt	57Cr	164.6Cr	128.3Cr	109.6Cr	70Cr
Debt Equivalent Oper. Leases	3.2Cr	5.6Cr	4Cr	2.4Cr	1.6Cr
Minority Interest, Total (Incl. Fin. Div)	31Cr	34Cr	40Cr	46Cr	46Cr
Equity Method Investments, Total	3Cr	3.1Cr	1Cr	-	-
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	-	-	-	-	-

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	-43Cr	35Cr	83Cr	90Cr	135.9Cr
Depreciation, Depletion & Amortization	13Cr	12Cr	13Cr	13Cr	9.5Cr
Amortization of Goodwill and Intangible Assets - (CF)	10Cr	70L	10L	30L	30L
Total Depreciation, Depletion & Amortization	24Cr	12Cr	14Cr	13Cr	9.8Cr
Amortization of Deferred Charges, Total	1.7Cr	1.7Cr	5Cr	6Cr	11Cr
(Gain) Loss On Sale of Asset - (CF)	1.4Cr	-10L	2.5Cr	-	-
(Gain) Loss on Sale of Investments - (CF)	-27Cr	57Cr	-5Cr	-21Cr	-32Cr
Total Asset Writedown	1.5Cr	-	-	1Cr	1.2Cr
Restructuring Activities	-	-	-	-	-
Change In Deferred Taxes	-9.4Cr	-12Cr	32Cr	32Cr	41Cr
Change in insurance Reserves / Liabilities	307.5Cr	106.2Cr	49Cr	-32Cr	-7.2Cr
Change in Other Net Operating Assets (Collected)	-112Cr	-125.2Cr	-148.3Cr	97Cr	-21Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Other Operating Activities	17Cr	16Cr	14Cr	-6.2Cr	-3.8Cr
Cash from Operations	161Cr	90Cr	45Cr	180Cr	135.2Cr
Cash Acquisitions	-90L	-3.3Cr	-	-	-
Divestitures	-	-	37Cr	90L	-40L
Investment in Marketable and Equity Securities, Total	-240.9Cr	-142.6Cr	2.7Cr	-64Cr	4.2Cr
Cash from Investing	-241.8Cr	-145.9Cr	39Cr	-63Cr	3.8Cr
Long-Term Debt Issued, Total	46Cr	23Cr	31Cr	75Cr	50Cr
Total Debt Issued	46Cr	23Cr	31Cr	75Cr	50Cr
Long-Term Debt Repaid, Total	-8.2Cr	-23Cr	-31Cr	-45Cr	-53Cr
Total Debt Repaid	-8.2Cr	-23Cr	-31Cr	-45Cr	-53Cr
Issuance of Common Stock	76Cr	-	-	-	-
Repurchase of Common Stock	-	-	-12Cr	-44Cr	-8.4Cr
Common Dividends Paid	-17Cr	-47Cr	-27Cr	-46Cr	-69Cr
Common & Preferred Stock Dividends Paid	-17Cr	-47Cr	-27Cr	-46Cr	-69Cr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-45Cr	-5.1Cr	-4Cr	-7.7Cr	-18Cr
Cash from Financing	52Cr	-53Cr	-44Cr	-68Cr	-98Cr
Foreign Exchange Rate Adjustments	-10L	-50L	60L	-20L	40L
Net Change in Cash	-29Cr	-109.1Cr	42Cr	49Cr	41Cr
Supplemental Items
Cash Interest Paid	8.4Cr	9Cr	13Cr	18Cr	18Cr
Cash Income Tax Paid (Refund)	-3.1Cr	27Cr	11Cr	15Cr	28Cr
Net Debt Issued / Repaid	38Cr	-70L	-50L	30Cr	-3.6Cr
Levered Free Cash Flow	68Cr	49Cr	128.14Cr	205.39Cr	154.81Cr
Unlevered Free Cash Flow	74Cr	55Cr	137.2Cr	216.95Cr	166.81Cr
Change In Net Working Capital	-68Cr	50L	-23Cr	-91Cr	9.1Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	-0.66	1.18	2.73	4.13	5.79
Return on Total Capital	-2.32	4.39	10.07	10.61	14.46
Return On Equity %	-3.97	6.5	13.65	14.58	20.6
Return on Common Equity	-6.72	5.59	12.99	13.49	19.43
Margin Analysis
Gross Profit Margin %	-15.71	-6.4	4.11	20.12	25.19
SG&A Margin	4.9	2.23	2.61	1.29	0.78
EBITDA Margin %	-2.34	8.98	17.59	10.84	14.07
EBITA Margin %	-2.96	8.54	17.16	10.5	13.87
EBIT Margin %	-4.24	8.45	17.15	10.48	13.85
Income From Continuing Operations Margin %	-3.34	5.6	10.49	6.46	8.84
Net Income Margin %	-5.42	4.58	9.44	5.61	7.83
Net Avail. For Common Margin %	-5.26	4.58	9.44	5.61	7.83
Normalized Net Income Margin	-4.99	3.64	8.54	4.98	6.95
Levered Free Cash Flow Margin	8.68	6.48	14.53	12.84	8.92
Unlevered Free Cash Flow Margin	9.38	7.25	15.56	13.56	9.61
Asset Turnover
Asset Turnover	0.25	0.22	0.26	0.63	0.67
Fixed Assets Turnover	12.38	12.6	14.91	28.79	33.48
Receivables Turnover (Average Receivables)	2.08	1.9	1.96	-	-
Short Term Liquidity
Current Ratio	0.86	0.8	0.81	7.77	8.03
Quick Ratio	0.38	0.3	0.35	2.32	2.41
Operating Cash Flow to Current Liabilities	0.1	0.05	0.03	1.54	1.13
Days Sales Outstanding (Average Receivables)	175.87	192.19	186.25	-	-
Average Days Payable Outstanding	282.22	361.1	355.44	24.25	25.65
Long Term Solvency
Total Debt/Equity	39.23	39.75	37.4	41.27	37.98
Total Debt / Total Capital	28.18	28.45	27.22	29.21	27.52
LT Debt/Equity	38.03	38.62	36.35	40.28	36.94
Long-Term Debt / Total Capital	27.31	27.63	26.45	28.52	26.77
Total Liabilities / Total Assets	80.4	80.93	79.87	72.22	70.41
EBIT / Interest Expense	-3.75	6.88	10.43	9.06	12.53
EBITDA / Interest Expense	-1.11	8.19	11.36	9.76	13.04
(EBITDA - Capex) / Interest Expense	-1.11	8.19	11.36	9.76	13.04
Total Debt / EBITDA	-25.98	3.39	1.6	1.63	1.18
Net Debt / EBITDA	-5.8	2.16	0.78	0.61	0.28
Total Debt / (EBITDA - Capex)	-25.98	3.39	1.6	1.63	1.18
Net Debt / (EBITDA - Capex)	-5.8	2.16	0.78	0.61	0.28
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	9.13	-3.86	16.41	12.33	8.53
Gross Profit, 1 Yr. Growth %	42.3	-60.82	-174.64	46.34	35.89
EBITDA, 1 Yr. Growth %	-127.79	-469.57	128.09	12.23	40.89
EBITA, 1 Yr. Growth %	-138.45	-377.68	133.85	11.41	43.42
EBIT, 1 Yr. Growth %	-157.69	-291.62	136.25	11.51	43.5
Earnings From Cont. Operations, 1 Yr. Growth %	-151.87	-261.22	118.16	12.4	48.6
Net Income, 1 Yr. Growth %	-198.16	-181.26	139.77	8.85	51.34
Normalized Net Income, 1 Yr. Growth %	-244.67	-170.01	173.41	6.73	51.48
Diluted EPS Before Extra, 1 Yr. Growth %	-192.66	-177.16	141.48	13.43	54.91
Net Property, Plant and Equip., 1 Yr. Growth %	-7.99	-2.95	-0.17	-12.01	-0.58
Accounts Receivable, 1 Yr. Growth %	4.14	5.94	16.56	-	-
Total Assets, 1 Yr. Growth %	12.65	1.9	2.77	2.11	2.7
Common Equity, 1 Yr. Growth %	2.78	-1.33	7.9	0.11	10.04
Tangible Book Value, 1 Yr. Growth %	2.82	-9.05	9.67	-3.94	17.75
Cash From Operations, 1 Yr. Growth %	322.57	-44.16	-49.72	298.23	-24.89
Levered Free Cash Flow, 1 Yr. Growth %	-1.97T	-49.69	161.04	-119.72	-24.51
Unlevered Free Cash Flow, 1 Yr. Growth %	3.44T	-46.76	149.91	-121.01	-23
Dividend Per Share, 1 Yr. Growth %	100	-45	36.36	80	14.81
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	0.46	2.43	5.79	45.32	10.41
Gross Profit, 2 Yr. CAGR %	89.98	-25.34	-45.93	157.59	41.02
EBITDA, 2 Yr. CAGR %	-65.06	1.35	190.33	59.69	25.75
EBITA, 2 Yr. CAGR %	-59.82	3.33	154.82	61.09	26.41
EBIT, 2 Yr. CAGR %	-50.96	5.14	112.77	61.83	26.5
Earnings From Cont. Operations, 2 Yr. CAGR %	-48.04	-8.55	87.54	56.09	29.24
Net Income, 2 Yr. CAGR %	-37	-10.69	39.59	60.87	28.35
Normalized Net Income, 2 Yr. CAGR %	-26.71	0.64	38.36	70.07	27.15
Diluted EPS Before Extra, 2 Yr. CAGR %	-31.14	-15.44	36.5	64.87	32.56
Net Property, Plant and Equip., 2 Yr. CAGR %	83.58	-5.51	-1.57	-6.28	-6.47
Accounts Receivable, 2 Yr. CAGR %	1.67	5.04	11.82	-	-
Total Assets, 2 Yr. CAGR %	6.87	7.14	2.33	-13.3	2.41
Common Equity, 2 Yr. CAGR %	-1.24	0.71	3.18	3.95	4.96
Tangible Book Value, 2 Yr. CAGR %	-4.33	-3.3	-0.13	2.69	6.35
Cash From Operations, 2 Yr. CAGR %	65.33	53.61	-47.01	41.5	72.95
Levered Free Cash Flow, 2 Yr. CAGR %	-15.72	266.1	14.6	104.55	-61.45
Unlevered Free Cash Flow, 2 Yr. CAGR %	-14.91	412.83	15.34	98.79	-59.81
Dividend Per Share, 2 Yr. CAGR %	-20.94	4.88	-13.4	56.67	43.76
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-0.83	-1	6.89	26.62	31.85
Gross Profit, 3 Yr. CAGR %	20.7	12.24	-25.34	37.5	108.14
EBITDA, 3 Yr. CAGR %	-51.12	-23.3	32.82	111.22	53.16
EBITA, 3 Yr. CAGR %	-46.46	-23.46	35.66	93.15	54.97
EBIT, 3 Yr. CAGR %	-38.9	-22.76	37.71	71.2	55.47
Earnings From Cont. Operations, 3 Yr. CAGR %	-36.54	-24.21	22.19	57.78	53.55
Net Income, 3 Yr. CAGR %	-22.66	-31.42	24.13	28.12	57.63
Normalized Net Income, 3 Yr. CAGR %	-21.1	-27.82	40.43	26.52	63.64
Diluted EPS Before Extra, 3 Yr. CAGR %	-24.55	-28.48	19.97	28	61.48
Net Property, Plant and Equip., 3 Yr. CAGR %	50.21	48.44	-3.76	-5.18	-4.42
Accounts Receivable, 3 Yr. CAGR %	2.57	3.07	9.2	-	-
Total Assets, 3 Yr. CAGR %	3.97	5.19	5.66	-8.51	-8.27
Common Equity, 3 Yr. CAGR %	-2.16	-1.27	3.05	2.16	5.95
Tangible Book Value, 3 Yr. CAGR %	-4.61	-5.93	0.84	-1.39	7.48
Cash From Operations, 3 Yr. CAGR %	212.02	15.14	5.86	3.79	14.57
Levered Free Cash Flow, 3 Yr. CAGR %	2.08	-20.1	227.06	28.16	46.65
Unlevered Free Cash Flow, 3 Yr. CAGR %	2.13	-18.69	303.56	28.13	44.84
Dividend Per Share, 3 Yr. CAGR %	-16.89	-29.95	14.47	10.52	41.25
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-0.56	-2.72	1.77	15.43	19.18
Gross Profit, 5 Yr. CAGR %	18.01	-10.49	-12.46	56.48	38.12
EBITDA, 5 Yr. CAGR %	-32.58	-14.97	-0.32	2.85	29.84
EBITA, 5 Yr. CAGR %	-28.64	-15.23	-0.07	3.08	31.78
EBIT, 5 Yr. CAGR %	-22.63	-14.75	0.65	3.83	32.95
Earnings From Cont. Operations, 5 Yr. CAGR %	-17.94	-16.09	-2.11	1.18	24.8
Net Income, 5 Yr. CAGR %	-7.34	-17.88	-2.05	-3.55	25.59
Normalized Net Income, 5 Yr. CAGR %	-8.69	-18.39	-1.22	1.7	34.72
Diluted EPS Before Extra, 5 Yr. CAGR %	-7.82	-19.32	-4.35	-0.11	24.66
Net Property, Plant and Equip., 5 Yr. CAGR %	24.49	26.6	26.84	23.5	-4.85
Accounts Receivable, 5 Yr. CAGR %	3.04	4.06	6.18	-	-
Total Assets, 5 Yr. CAGR %	2.18	2.86	3.31	-2.64	-2.39
Common Equity, 5 Yr. CAGR %	-0.99	-1.25	-0.06	0.79	3.82
Tangible Book Value, 5 Yr. CAGR %	-0.82	-3.15	-2.84	-2.57	3.03
Cash From Operations, 5 Yr. CAGR %	-3.72	7.17	53.52	25.04	28.83
Levered Free Cash Flow, 5 Yr. CAGR %	-19.13	-14.93	14.8	16.37	111.45
Unlevered Free Cash Flow, 5 Yr. CAGR %	-17.33	-13.9	14.6	16.27	140.17
Dividend Per Share, 5 Yr. CAGR %	-5.57	-20.11	-15.51	-3.34	25.39