AUB Group (AUB) AI Stock Analysis

• Market Cap: €3.72B
• Dividend Yield: 2.39%
• Average Volume (3M): 275.17K
• Price to Earnings (P/E): 20.6
• Beta (1Y): 0.78
• Revenue Growth: 10.98%
• EPS Growth: 23.05%
• Country: AU
• Employees: 2,582
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 1.03
• Shares Outstanding: 116,587,430
• 10 Day Avg. Volume: 208,032
• 30 Day Avg. Volume: 275,174
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €39.38
• Price Target Upside: 5.43% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 67 Neutral
• Price Target: AU$39.00 ▲(4.42% Upside)

AUB Group's overall stock score is driven by strong financial performance, particularly in profitability and cash flow management. However, technical analysis indicates potential overbought conditions, and valuation metrics suggest the stock may be overvalued. The absence of earnings call and corporate events data limits further insights.

AUB Group Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

AUB Group generates revenue primarily through commissions and fees earned from insurance premiums placed with various insurers. As a broker, AUB acts as an intermediary between clients and insurance companies, earning a commission on each policy sold. Additionally, the company generates income from advisory services related to risk management and claims handling. Key revenue streams include performance fees from insurers based on the volume of business placed, as well as service fees for specialized consulting services. Significant partnerships with a wide range of insurers and other financial service providers also contribute to AUB's earnings by expanding its product offerings and enhancing its market reach.

AUB Group Financial Statement Overview

Summary

AUB Group Limited demonstrates strong revenue growth and improved profitability, with robust financial health reflected in its balance sheet. While operating cash flow has decreased, the overall cash flow remains positive, supporting the company's operations and growth initiatives. The company's prudent debt management and strong equity position contribute to its solid financial standing.

Income Statement

The company shows strong revenue growth with a significant increase from $826M in 2023 to $1.05B in 2024, representing a growth rate of 27.1%. Gross profit margin is robust at 49.5% for 2024, although it has decreased from the previous year's 89.5%. Net profit margin improved to 13.1% in 2024, indicating increased profitability. EBIT margin also showed improvement, suggesting effective cost management and operational efficiencies. Overall, the income statement reflects strong growth and improving profitability metrics.

Balance Sheet

The balance sheet indicates a strong equity position with a debt-to-equity ratio of 0.48, showing a conservative leverage approach. Return on equity stands at 9.1%, reflecting efficient use of equity to generate earnings. The equity ratio is healthy at 37.4%, suggesting stability and a strong capital structure. The company's cash position has significantly strengthened over the years, contributing to a robust financial position.

Cash Flow

Operating cash flow decreased from $202M in 2023 to $82M in 2024, which is a potential concern. However, the company maintains positive free cash flow of $75.6M, indicating the ability to sustain operations and invest in growth. The free cash flow to net income ratio is at 0.55, showing that cash generation from operations aligns with net income. Despite the decline in operating cash flow, the overall cash flow position remains positive.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.15B	1.03B	1.05B	740.01M	336.86M	315.86M
Gross Profit	1.03B	1.03B	519.53M	387.63M	295.08M	169.54M
EBITDA	317.99M	451.38M	219.69M	241.81M	97.47M	73.26M
Net Income	180.06M	180.06M	137.07M	65.25M	80.84M	70.62M
Balance Sheet
Total Assets	4.73B	4.73B	4.05B	3.88B	1.64B	1.15B
Cash, Cash Equivalents and Short-Term Investments	1.34B	1.34B	1.29B	1.20B	593.48M	282.87M
Total Debt	958.06M	958.06M	724.69M	661.11M	74.74M	238.15M
Total Liabilities	2.66B	2.66B	2.30B	2.37B	642.80M	547.83M
Stockholders Equity	1.69B	1.69B	1.51B	1.28B	854.49M	478.75M
Cash Flow
Free Cash Flow	381.90M	381.90M	75.60M	201.49M	93.34M	111.89M
Operating Cash Flow	386.53M	386.53M	82.00M	202.24M	95.53M	112.59M
Investing Cash Flow	-365.77M	-365.77M	-82.81M	-136.85M	118.45M	23.23M
Financing Cash Flow	34.62M	34.62M	89.21M	498.66M	98.80M	-96.99M

AUB Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 37.35 is above the 20-day moving average (MA) of 33.13, above the 50-day MA of 33.27, and above the 200-day MA of 32.03, indicating a bullish trend. The MACD of 0.72 indicates Negative momentum. The RSI at 72.80 is Negative, neither overbought nor oversold. The STOCH value of 81.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:AUB.

AUB Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NHF	―	€3.54B	17.69	18.51%	3.88%	5.90%	7.22%
SDF	―	€6.56B	19.50	14.17%	2.94%	9.16%	43.16%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUB	―	€3.72B	20.62	11.17%	2.39%	10.98%	23.05%
HUB	―	€8.58B	107.22	15.22%	0.49%	24.44%	68.80%
CGF	―	$6.04B	31.36	4.84%	3.24%	11.78%	47.53%
PPT	―	€2.21B	-37.25	-3.34%	5.98%	2.87%	87.93%

AUB Group Corporate Events

AUB Group Receives Acquisition Proposal from EQT Affiliate

AUB Group Limited, a company listed on the Australian Securities Exchange, has recently been the subject of a conditional, non-binding, indicative proposal from Arbutus Pte. Limited, affiliated with EQT AB, to acquire 100% of its shares at $45.00 per share. This follows a previous unsolicited proposal at $43.00 per share. The proposal’s emergence has led to a trading halt in AUB’s securities after a related article appeared in the Australian Financial Review, prompting AUB to confirm the proposal publicly.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$36.67 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Receives Acquisition Proposal from EQT Affiliate

AUB Group Limited has received an unsolicited, non-binding indicative proposal from Arbutus Pte. Limited, affiliated with EQT AB, to acquire 100% of AUB through a scheme of arrangement. The proposal offers AUB shareholders $45.00 cash per share, subject to conditions such as exclusivity and due diligence. The AUB Board has agreed to enter into a confidentiality and exclusivity agreement with EQT to further explore the proposal, although there is no guarantee of a transaction. Shareholders are advised that no action is required at this stage, and further updates will be provided as necessary.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$36.67 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Requests Trading Halt Amid Media Reports

AUB Group Limited, listed on the Australian Securities Exchange, has requested a trading halt on its securities. This halt is in response to media reports and recent share price movements, ensuring the market remains informed. The trading halt will remain until AUB releases an announcement or normal trading resumes on 29 October 2025.

The most recent analyst rating on (AU:AUB) stock is a Hold with a A$35.50 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

Yarra Capital Management Acquires Substantial Stake in AUB Group

Yarra Capital Management Limited and its associated entities have become substantial holders in AUB Group Limited, acquiring a 5.11% voting power through various corporate structures. This acquisition, involving a significant investment of over $82 million, positions Yarra Capital Management as a key stakeholder in AUB Group, potentially influencing future strategic decisions and impacting shareholder dynamics.

The most recent analyst rating on (AU:AUB) stock is a Hold with a A$35.50 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Announces 2025 Annual General Meeting Details

AUB Group Limited has announced the release of documents related to its 2025 Annual General Meeting, including the Notice of Meeting and Proxy Form. This announcement signifies the company’s ongoing commitment to transparency and shareholder engagement, potentially impacting its operational strategies and stakeholder relations.

The most recent analyst rating on (AU:AUB) stock is a Hold with a A$35.50 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Announces Leadership Changes

AUB Group Limited has announced the retirement of Richard Deutsch as a Non-Executive Director and Chair of the Board Audit & Risk Committee, with Tonianne Dwyer stepping into the role. Additionally, Mark Shanahan, the Chief Financial Officer, is leaving the company after over seven years, with Nick Dryden appointed as Interim CFO. These leadership changes are significant as they may influence AUB’s strategic direction and operational efficiency, impacting stakeholders and the company’s market positioning.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$39.00 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Issues Unquoted Performance Share Rights

AUB Group Limited has announced the issuance of 114,521 unquoted performance share rights as part of an employee incentive scheme. This move is part of the company’s ongoing efforts to incentivize and retain key personnel, potentially impacting its operational effectiveness and market competitiveness.

The most recent analyst rating on (AU:AUB) stock is a Hold with a A$36.00 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Announces Board Change with Cath Rogers’ Departure

AUB Group Limited has announced a change in its Board of Directors with Cath Rogers retiring on 27 August 2025 after seven years of service to take up an executive role overseas. The company’s Chair, Peter Harmer, expressed gratitude for her contributions and wished her success in her future endeavors. This change in leadership may impact the company’s strategic direction and stakeholder relations.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$38.70 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Releases Corporate Governance Statement and Appendix 4G

AUB Group Limited has released its Appendix 4G and Corporate Governance Statement, which have been approved by the board and are now available on their website. This announcement highlights the company’s commitment to transparency and adherence to the ASX Corporate Governance Council’s recommendations, which is crucial for maintaining investor confidence and ensuring regulatory compliance.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$38.70 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Reports Strong FY25 Financial Performance and Strategic Growth

AUB Group reported strong financial results for FY25, with an underlying NPAT of AUD 200.2 million, up from AUD 171.0 million in FY24, and a reported NPAT of AUD 180.1 million, compared to AUD 137.1 million the previous year. The company declared a fully franked final dividend of 66.0 cents per share, contributing to a total FY25 dividend of 91.0 cents per share, marking a 15.2% increase over FY24. The company experienced growth across its divisions, with the Australian Broking division seeing a 12.8% increase in pre-tax profit, driven by organic growth and acquisitions, while the International division’s pre-tax profit rose by 7.6%. CEO Michael Emmett highlighted the company’s international expansion and operational progress, emphasizing a focus on strategic investment and portfolio optimization as they move into FY26.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$38.70 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Announces Dividend Distribution for 2025

AUB Group Limited, a company listed on the ASX, has announced a dividend distribution of AUD 0.66 per share for its ordinary fully paid shares. The dividend relates to the six-month period ending on June 30, 2025, with the ex-date set for September 8, 2025, the record date on September 9, 2025, and the payment date on October 10, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$38.70 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group Reports Strong Financial Performance for FY2025

AUB Group Limited has released its financial results for the year ending June 30, 2025, reporting a 12% increase in revenue from ordinary activities to $1,172,791,000. The company also saw a 31% rise in profit after tax to $180,055,000 and a 118% increase in total comprehensive income after tax to $270,613,000. The underlying net profit after tax rose by 17% to $200,220,000, reflecting strong business performance. The company declared an interim dividend of 25.0 cents and a final dividend of 66.0 cents, both fully franked, highlighting its robust financial health and commitment to returning value to shareholders.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$38.70 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.

AUB Group to Announce FY25 Results via Webcast and Teleconference

AUB Group Limited is set to announce its FY25 results on 26 August 2025, with a presentation by CEO Mike Emmett and CFO Mark Shanahan via webcast and teleconference. This announcement is significant for stakeholders as it provides insights into the company’s financial performance and strategic direction, potentially impacting its market positioning and operations.

The most recent analyst rating on (AU:AUB) stock is a Buy with a A$37.65 price target. To see the full list of analyst forecasts on AUB Group stock, see the AU:AUB Stock Forecast page.