Insurance Australia Group Limited (FRA:NRM)

Insurance Australia Group Statistics

Total Valuation

FRA:NRM has a market cap or net worth of EUR 10.21 billion. The enterprise value is 10.87 billion.

Market Cap	10.21B
Enterprise Value	10.87B

Important Dates

The next estimated earnings date is Thursday, February 12, 2026.

Earnings Date	Feb 12, 2026
Ex-Dividend Date	Aug 21, 2025

Share Statistics

Current Share Class	2.36B
Shares Outstanding	n/a
Shares Change (YoY)	-8.19%
Shares Change (QoQ)	-8.32%
Owned by Insiders (%)	0.10%
Owned by Institutions (%)	40.42%
Float	2.18B

Valuation Ratios

The trailing PE ratio is 13.46 and the forward PE ratio is 16.61.

PE Ratio	13.46
Forward PE	16.61
PS Ratio	1.05
PB Ratio	2.35
P/TBV Ratio	5.35
P/FCF Ratio	n/a
P/OCF Ratio	13.53
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.32
EV / Sales	1.11
EV / EBITDA	7.70
EV / EBIT	8.02
EV / FCF	n/a

Financial Position

The company has a current ratio of 8.03, with a Debt / Equity ratio of 0.38.

Current Ratio	8.03
Quick Ratio	2.41
Debt / Equity	0.38
Debt / EBITDA	1.18
Debt / FCF	n/a
Interest Coverage	12.53

Financial Efficiency

Return on equity (ROE) is 20.60% and return on invested capital (ROIC) is 14.46%.

Return on Equity (ROE)	20.60%
Return on Assets (ROA)	5.79%
Return on Invested Capital (ROIC)	14.46%
Return on Capital Employed (ROCE)	9.58%
Revenue Per Employee	709,940
Profits Per Employee	55,580
Employee Count	13,650
Asset Turnover	0.67
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:NRM has paid 378.49 million in taxes.

Income Tax	378.49M
Effective Tax Rate	30.64%

Stock Price Statistics

The stock price has decreased by -12.55% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-12.55%
50-Day Moving Average	4.45
200-Day Moving Average	4.61
Relative Strength Index (RSI)	46.22
Average Volume (20 Days)	10

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:NRM had revenue of EUR 9.69 billion and earned 758.66 million in profits. Earnings per share was 0.31.

Revenue	9.69B
Gross Profit	2.44B
Operating Income	1.34B
Pretax Income	1.24B
Net Income	758.66M
EBITDA	1.36B
EBIT	1.34B
Earnings Per Share (EPS)	0.31

Balance Sheet

The company has 1.26 billion in cash and 1.65 billion in debt, giving a net cash position of -393.01 million.

Cash & Cash Equivalents	1.26B
Total Debt	1.65B
Net Cash	-393.01M
Net Cash Per Share	n/a
Equity (Book Value)	4.35B
Book Value Per Share	1.73
Working Capital	4.70B

Cash Flow

Operating Cash Flow	754.76M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 25.19%, with operating and profit margins of 13.85% and 7.83%.

Gross Margin	25.19%
Operating Margin	13.85%
Pretax Margin	12.75%
Profit Margin	7.83%
EBITDA Margin	14.07%
EBIT Margin	13.85%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.18, which amounts to a dividend yield of 4.12%.

Dividend Per Share	0.18
Dividend Yield	4.12%
Dividend Growth (YoY)	8.22%
Years of Dividend Growth	2
Payout Ratio	50.55%
Buyback Yield	8.19%
Shareholder Yield	12.31%
Earnings Yield	7.43%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 31, 2018. It was a reverse split with a ratio of 0.976.

Last Split Date	Oct 31, 2018
Split Type	Reverse
Split Ratio	0.976

Scores

Altman Z-Score	n/a
Piotroski F-Score	3