Insurance Australia Group Limited (FRA:NRM)

Insurance Australia Group Statistics

Total Valuation

FRA:NRM has a market cap or net worth of EUR 10.03 billion. The enterprise value is 11.46 billion.

Market Cap	10.03B
Enterprise Value	11.46B

Important Dates

The last earnings date was Thursday, February 12, 2026.

Earnings Date	Feb 12, 2026
Ex-Dividend Date	Feb 17, 2026

Share Statistics

Current Share Class	2.36B
Shares Outstanding	n/a
Shares Change (YoY)	-8.20%
Shares Change (QoQ)	+3.31%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	2.18B

Valuation Ratios

The trailing PE ratio is 16.25 and the forward PE ratio is 15.17.

PE Ratio	16.25
Forward PE	15.17
PS Ratio	0.97
PB Ratio	2.26
P/TBV Ratio	6.00
P/FCF Ratio	n/a
P/OCF Ratio	16.66
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	18.58
EV / Sales	1.05
EV / EBITDA	9.30
EV / EBIT	9.84
EV / FCF	n/a

Financial Position

The company has a current ratio of 16.10, with a Debt / Equity ratio of 0.42.

Current Ratio	16.10
Quick Ratio	2.78
Debt / Equity	0.42
Debt / EBITDA	1.59
Debt / FCF	n/a
Interest Coverage	10.22

Financial Efficiency

Return on equity (ROE) is 15.74% and return on invested capital (ROIC) is 12.03%.

Return on Equity (ROE)	15.74%
Return on Assets (ROA)	4.59%
Return on Invested Capital (ROIC)	12.03%
Return on Capital Employed (ROCE)	7.18%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	759,843
Profits Per Employee	45,199
Employee Count	13,650
Asset Turnover	0.69
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:NRM has paid 311.89 million in taxes.

Income Tax	311.89M
Effective Tax Rate	31.35%

Stock Price Statistics

The stock price has decreased by -12.92% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-12.92%
50-Day Moving Average	4.35
200-Day Moving Average	4.58
Relative Strength Index (RSI)	45.73
Average Volume (20 Days)	n/a

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 10.37 billion and earned 616.96 million in profits. Earnings per share was 0.26.

Revenue	10.37B
Gross Profit	1.70B
Operating Income	1.10B
Pretax Income	994.75M
Net Income	616.96M
EBITDA	1.13B
EBIT	1.10B
Earnings Per Share (EPS)	0.26

Balance Sheet

The company has 780.57 million in cash and 1.85 billion in debt, with a net cash position of -1.07 billion.

Cash & Cash Equivalents	780.57M
Total Debt	1.85B
Net Cash	-1.07B
Net Cash Per Share	n/a
Equity (Book Value)	4.44B
Book Value Per Share	1.76
Working Capital	5.16B

Cash Flow

Operating Cash Flow	601.62M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 16.37%, with operating and profit margins of 10.63% and 5.95%.

Gross Margin	16.37%
Operating Margin	10.63%
Pretax Margin	9.59%
Profit Margin	5.95%
EBITDA Margin	10.92%
EBIT Margin	10.63%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.18, which amounts to a dividend yield of 4.22%.

Dividend Per Share	0.18
Dividend Yield	4.22%
Dividend Growth (YoY)	-0.06%
Years of Dividend Growth	3
Payout Ratio	67.50%
Buyback Yield	8.20%
Shareholder Yield	12.42%
Earnings Yield	6.15%
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	5