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STOCKS

Insurance Australia Group Limited (AU:IAG)

ASX:IAG

IAG

Insurance Australia Group Limited

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Insurance Australia Group Limited (IAG) Ratios

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Insurance Australia Group Limited Ratios

AU:IAG's free cash flow for Q4 2025 was AU$0.72. For the 2025 fiscal year, AU:IAG's free cash flow was decreased by AU$ and operating cash flow was AU$0.12. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	1.57	0.85	0.80	0.84
Quick Ratio	0.00	1.57	1.27	1.12	1.22
Cash Ratio	0.00	1.57	0.08	0.05	0.12
Solvency Ratio	0.07	0.06	0.04	0.02	>-0.01
Operating Cash Flow Ratio	0.00	1.54	0.03	0.05	0.10
Short-Term Operating Cash Flow Coverage	16.69	0.00	0.00	0.00	0.00
Net Current Asset Value	AU$ -18.52B	AU$ -16.66B	AU$ -13.69B	AU$ -14.03B	AU$ -13.10B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.11	0.08	0.08	0.08
Debt-to-Equity Ratio	0.40	0.44	0.40	0.42	0.41
Debt-to-Capital Ratio	0.29	0.31	0.28	0.30	0.29
Long-Term Debt-to-Capital Ratio	0.26	0.27	0.24	0.25	0.24
Financial Leverage Ratio	3.59	3.85	5.27	5.54	5.36
Debt Service Coverage Ratio	6.33	7.66	8.68	6.87	0.65
Interest Coverage Ratio	50.46	85.34	10.43	6.88	-3.75
Debt to Market Cap	0.13	0.15	0.15	0.19	0.16
Interest Debt Per Share	1.33	1.30	1.13	1.09	1.11
Net Debt to EBITDA	0.94	0.58	0.76	2.11	-8.57
Profitability Margins
Gross Profit Margin	85.80%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	13.70%	10.48%	16.84%	7.74%	-4.18%
EBITDA Margin	13.70%	11.73%	18.91%	9.42%	-0.84%
Operating Profit Margin	55.19%	98.71%	16.94%	7.74%	-4.18%
Pretax Profit Margin	12.61%	9.32%	15.31%	6.61%	-5.30%
Net Profit Margin	7.74%	5.61%	9.32%	4.19%	-5.35%
Continuous Operations Profit Margin	8.74%	6.46%	10.36%	5.13%	-3.31%
Net Income Per EBT	61.41%	60.23%	60.86%	63.44%	100.95%
EBT Per EBIT	22.84%	9.44%	90.41%	85.47%	126.65%
Return on Assets (ROA)	5.17%	3.51%	2.38%	1.02%	-1.28%
Return on Equity (ROE)	18.95%	13.48%	12.51%	5.63%	-6.84%
Return on Capital Employed (ROCE)	36.82%	64.58%	8.26%	3.74%	-1.97%
Return on Invested Capital (ROIC)	4148.07%	63.60%	5.65%	2.79%	-1.39%
Return on Tangible Assets	6.07%	4.11%	2.91%	1.24%	-1.41%
Earnings Yield	6.72%	5.25%	5.95%	3.23%	-3.45%
Efficiency Ratios
Receivables Turnover	29.96	19.46	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	33.96	30.76	15.10	13.97	13.09
Asset Turnover	0.67	0.62	0.25	0.24	0.24
Working Capital Turnover Ratio	20.62	-18.09	-3.04	-2.69	-4.61
Cash Conversion Cycle	12.18	18.76	0.00	0.00	0.00
Days of Sales Outstanding	12.18	18.76	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	12.18	18.76	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.57	0.75	0.18	0.37	0.67
Free Cash Flow Per Share	0.14	0.48	0.18	-0.21	-0.33
CapEx Per Share	0.44	0.26	0.00	0.58	1.01
Free Cash Flow to Operating Cash Flow	0.24	0.65	1.00	-0.58	-0.50
Dividend Paid and CapEx Coverage Ratio	0.79	1.64	1.67	0.48	0.62
Capital Expenditure Coverage Ratio	1.32	2.83	0.00	0.63	0.67
Operating Cash Flow Coverage Ratio	0.46	0.61	0.17	0.35	0.63
Operating Cash Flow to Sales Ratio	0.08	0.11	0.05	0.11	0.20
Free Cash Flow Yield	1.60%	6.80%	3.23%	-4.90%	-6.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.05	19.06	16.81	30.93	-28.95
Price-to-Sales (P/S) Ratio	1.16	1.07	1.57	1.30	1.55
Price-to-Book (P/B) Ratio	2.79	2.57	2.10	1.74	1.98
Price-to-Free Cash Flow (P/FCF) Ratio	63.07	14.72	30.93	-20.41	-15.47
Price-to-Operating Cash Flow Ratio	15.13	9.51	30.93	11.93	7.68
Price-to-Earnings Growth (PEG) Ratio	1.53	2.16	0.12	-0.17	0.15
Price-to-Fair Value	2.79	2.57	2.10	1.74	1.98
Enterprise Value Multiple	9.43	9.71	9.04	15.89	-193.09
Enterprise Value	22.47B	18.21B	15.27B	12.38B	12.94B
EV to EBITDA	9.35	9.71	9.04	15.89	-193.09
EV to Sales	1.28	1.14	1.71	1.50	1.62
EV to Free Cash Flow	69.37	15.66	33.77	-23.54	-16.19
EV to Operating Cash Flow	16.62	10.12	33.77	13.76	8.04
Tangible Book Value Per Share	1.64	1.40	0.24	0.11	0.21
Shareholders’ Equity Per Share	3.10	2.77	2.71	2.50	2.61
Tax and Other Ratios
Effective Tax Rate	0.31	0.31	0.31	0.26	0.30
Revenue Per Share	7.43	6.64	3.64	3.36	3.33
Net Income Per Share	0.58	0.37	0.34	0.14	-0.18
Tax Burden	0.61	0.60	0.61	0.63	1.01
Interest Burden	0.92	0.89	0.91	0.85	1.27
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	<0.01	0.01	0.03	0.02	0.05
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	0.99	2.00	0.54	2.59	-3.89

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