AUB Group Limited (AU:AUB)
ASX:AUB
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AUB Group
(Sydney:AUB)
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Rating:60Neutral
Price Target:
AU$27.00
â–²(7.70% Upside)
Action:Reiterated
Date:12/02/25
The overall stock score of 60 reflects strong financial performance, particularly in profitability and cash flow management. However, technical analysis indicates bearish momentum, and valuation metrics suggest the stock is moderately priced. The absence of earnings call data and corporate events limits further insights.
Positive Factors
Strong free cash flow generation
AUB's high free cash flow growth (35.39%) and free cash flow to net income ratio (~98.8%) indicate durable cash conversion from operations. Strong cash generation supports dividend funding, bolt-on acquisitions, and balance sheet resilience through economic cycles, reducing reliance on external financing.
Negative Factors
Negative recent revenue growth
A negative revenue growth rate (-5.38%) signals pressure on premium volumes, client retention or pricing in core markets. If sustained, top-line weakness can limit the company's ability to leverage high margins, constrain organic earnings growth, and increase reliance on acquisitions to meet targets.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
AUB's high free cash flow growth (35.39%) and free cash flow to net income ratio (~98.8%) indicate durable cash conversion from operations. Strong cash generation supports dividend funding, bolt-on acquisitions, and balance sheet resilience through economic cycles, reducing reliance on external financing.
Read all positive factors
AUB Group (AUB) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$3.72B
Dividend Yield2.95%
Average Volume (3M)275.17K
Price to Earnings (P/E)17.4
Beta (1Y)0.53
Revenue Growth11.02%
EPS Growth62.95%
CountryAU
Employees2,582
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)1.62
Shares Outstanding130,640,520
10 Day Avg. Volume208,032
30 Day Avg. Volume275,174
Financial Highlights & Ratios
PEG Ratio0.99
Price to Book (P/B)2.44
Price to Sales (P/S)4.00
P/FCF Ratio10.83
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$32.62Price Target Upside30.12% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.83
Revenue Forecast (FY)AU$1.61B
AUB Group Business Overview & Revenue Model
Company Description
AUB Group Limited operates as an entity specializing in insurance broking and underwriting across Australia and New Zealand. The company delivers insurance brokerage and advisory services, primarily targeting small and medium-sized enterprises (SM...
How the Company Makes Money
AUB Group makes money mainly by distributing insurance products rather than by underwriting insurance risk itself. Its core revenue stream is brokerage and intermediary income earned when its broker network arranges insurance cover for clients wit...
AUB Group Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.17B | 1.03B | 1.05B | 740.01M | 336.86M | 315.86M |
| Gross Profit | 1.17B | 1.03B | 519.53M | 387.63M | 295.08M | 169.54M |
| EBITDA | 294.32M | 451.38M | 219.69M | 241.81M | 151.51M | 73.26M |
| Net Income | 188.95M | 180.06M | 137.07M | 65.25M | 80.84M | 70.62M |
Balance Sheet | ||||||
| Total Assets | 4.60B | 4.73B | 4.05B | 3.88B | 1.64B | 1.15B |
| Cash, Cash Equivalents and Short-Term Investments | 1.28B | 1.34B | 1.29B | 1.20B | 593.48M | 282.87M |
| Total Debt | 1.25B | 958.06M | 724.69M | 661.11M | 74.74M | 238.15M |
| Total Liabilities | 2.77B | 2.66B | 2.30B | 2.37B | 642.80M | 547.83M |
| Stockholders Equity | 1.54B | 1.69B | 1.51B | 1.28B | 854.49M | 478.75M |
Cash Flow | ||||||
| Free Cash Flow | 266.85M | 381.90M | 75.60M | 201.49M | 93.34M | 111.89M |
| Operating Cash Flow | 270.67M | 386.53M | 82.00M | 202.24M | 95.53M | 112.59M |
| Investing Cash Flow | -207.79M | -365.77M | -82.81M | -136.85M | 118.45M | 23.23M |
| Financing Cash Flow | -16.23M | 34.62M | 89.21M | 498.66M | 98.80M | -96.99M |
AUB Group Technical Analysis
Positive
25.07
Price Trends
25.67
Positive
25.30
Positive
29.16
Negative
Market Momentum
0.94
Negative
67.21
Neutral
67.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:AUB, the sentiment is Positive. The current price of 25.07 is below the 20-day moving average (MA) of 26.92, below the 50-day MA of 25.67, and below the 200-day MA of 29.16, indicating a neutral trend. The MACD of 0.94 indicates Negative momentum. The RSI at 67.21 is Neutral, neither overbought nor oversold. The STOCH value of 67.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:AUB.
AUB Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | AU$35.95B | 11.58 | 19.29% | 4.68% | 8.05% | 25.40% | |
73 Outperform | AU$19.74B | 20.39 | 9.55% | 26.88% | 6.10% | -29.98% | |
72 Outperform | AU$18.66B | 17.32 | 14.85% | 3.91% | 8.36% | -13.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | AU$5.71B | 15.99 | 15.06% | 3.70% | 11.53% | 51.82% | |
60 Neutral | AU$3.72B | 17.42 | 11.69% | 2.95% | 11.02% | 62.95% | |
44 Neutral | AU$3.79B | 30.18 | 3.56% | 1.65% | -14.25% | -25.71% |
* Financial Sector Average
AU:AUB
AUB Group
28.47
-5.77
-16.85%
AU:AMP
AMP
1.56
0.39
32.99%
AU:IAG
Insurance Australia Group Limited
7.98
-0.74
-8.45%
AU:QBE
QBE Insurance Group Limited
24.06
1.76
7.91%
AU:SDF
Steadfast Group Limited
5.15
-0.60
-10.40%
AU:SUN
Suncorp Group
18.62
-2.10
-10.13%
AUB Group Corporate Events
AUB Group appoints new director with no current shareholding
May 11, 2026
AUB Group Limited has appointed Gary Andrew Lennon as a director effective 12 May 2026, according to an initial director’s interest notice lodged with the ASX. The filing confirms that Lennon currently holds no relevant interests in AUB Grou...
AUB Group Strengthens Board with Appointment of Former NAB CFO Gary Lennon
May 11, 2026
AUB Group Limited, an ASX200-listed insurance broking and underwriting agency network, operates across roughly 579 locations with a workforce of more than 6,000 people. The group serves about 1.2 million clients and facilitates over $11 billion in...
AUB Group Cancels 127,559 Lapsed Performance Share Rights
Apr 1, 2026
AUB Group Limited has reported a change in its capital structure following the lapse of certain performance share rights. The company confirmed that 127,559 AUBAA performance share rights ceased on 31 March 2026 after the conditions attached to th...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.