Stock QBE QBE INSURANCE GROUP LIMITED
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Financials QBE Insurance Group Limited

Equities

QBE

AU000000QBE9

Property & Casualty Insurance

Market Closed - Australian S.E.
Other stock markets
 02:10:49 2024-07-05 am EDT 		5-day change 1st Jan Change
17.04 AUD +0.59% Intraday chart for QBE Insurance Group Limited -1.16% +15.06%
Jul. 02 New Zealand's Reserve Bank to Stress Test General Insurers MT
Jun. 19 Inflation Risks Dampen Market Appetite for Australian Shares; QBE Insurance Group Slips 4% MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 16,801 12,546 16,758 19,940 22,125 25,601 - -
Enterprise Value (EV) 1 21,407 16,358 20,162 22,716 24,325 29,127 29,114 29,152
P/E ratio 20.9 x -6.1 x 17.3 x 19.2 x 11.1 x 9.87 x 9.64 x 9.56 x
Yield 4.04% 0.47% 2.64% 2.23% 4.19% 5.13% 5.34% 5.4%
Capitalization / Revenue 0.97 x 0.83 x 0.88 x 0.96 x 0.87 x 0.97 x 0.93 x 0.89 x
EV / Revenue 1.24 x 1.08 x 1.05 x 1.09 x 0.95 x 1.1 x 1.05 x 1.02 x
EV / EBITDA 18.5 x -72.5 x 11 x 9.45 x 9.02 x 9.48 x 8.94 x -
EV / FCF - - - - 11.9 x 11.2 x 10.7 x 10.5 x
FCF Yield - - - - 8.43% 8.93% 9.35% 9.51%
Price to Book 1.39 x 1.13 x 1.36 x 1.52 x 1.45 x 1.57 x 1.44 x 1.33 x
Nbr of stocks (in thousands) 1,304,404 1,470,864 1,476,513 1,484,707 1,493,915 1,502,400 - -
Reference price 2 12.88 8.530 11.35 13.43 14.81 16.94 16.94 16.94
Announcement Date 2/16/20 2/18/21 2/17/22 2/16/23 2/15/24 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 17,278 15,100 19,147 20,811 25,508 26,364 27,616 28,684
EBITDA 1 1,158 -225.7 1,838 2,403 2,695 3,073 3,258 -
EBIT 1 962.9 -937.6 1,688 2,227 2,488 3,252 3,348 3,400
Operating Margin 5.57% -6.21% 8.82% 10.7% 9.75% 12.33% 12.12% 11.85%
Earnings before Tax (EBT) 1 1,000 -1,898 1,269 1,335 2,823 3,397 3,537 3,625
Net income 1 818.6 -1,956 1,042 1,119 2,082 2,593 2,689 2,723
Net margin 4.74% -12.96% 5.44% 5.37% 8.16% 9.84% 9.74% 9.49%
EPS 2 0.6176 -1.399 0.6559 0.7002 1.337 1.716 1.757 1.772
Free Cash Flow 1 - - - - 2,051 2,601 2,723 2,774
FCF margin - - - - 8.04% 9.86% 9.86% 9.67%
FCF Conversion (EBITDA) - - - - 76.11% 84.63% 83.57% -
FCF Conversion (Net income) - - - - 98.52% 100.28% 101.29% 101.86%
Dividend per Share 2 0.5200 0.0400 0.3000 0.3000 0.6200 0.8692 0.9040 0.9155
Announcement Date 2/16/20 2/18/21 2/17/22 2/16/23 2/15/24 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2 2026 S1
Net sales 1 8,838 7,679 7,999 8,910 10,016 9,570 10,950 12,233 13,249 12,635 13,569 - - -
EBITDA - - - - - - - - - - - - - -
EBIT 1 318.5 -814.5 -184.4 - 751.8 907.8 1,291 835.8 1,650 1,426 1,665 - - -
Operating Margin 3.6% -10.61% -2.31% - 7.51% 9.49% 11.79% 6.83% 12.46% 11.29% 12.27% - - -
Earnings before Tax (EBT) 1 151.8 - -895.1 718.7 532.2 263.6 1,063 895.6 1,925 1,505 1,822 1,569 1,878 1,658
Net income 1 129.5 -993 -1,038 598 429.4 212.8 899.2 613.4 1,468 1,181 1,280 1,200 1,401 1,236
Net margin 1.47% -12.93% -12.98% 6.71% 4.29% 2.22% 8.21% 5.01% 11.08% 9.35% 9.44% - - -
EPS 2 0.1012 - - 0.3810 0.2654 0.1198 0.5767 0.3834 0.9528 0.7924 0.8351 - - -
Dividend per Share 2 0.2700 0.0400 - 0.1100 0.1900 0.0900 0.2100 0.1400 0.4800 0.3240 0.5200 - - -
Announcement Date 2/16/20 8/12/20 2/18/21 8/11/21 2/17/22 8/10/22 2/16/23 8/9/23 2/15/24 - - - - -
1AUD in Million2AUD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 4,606 3,811 3,403 2,776 2,201 3,526 3,513 3,551
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 3.978 x -16.89 x 1.851 x 1.155 x 0.8164 x 1.147 x 1.078 x -
Free Cash Flow 1 - - - - 2,051 2,601 2,723 2,774
ROE (net income / shareholders' equity) 6.65% -11% 9.27% 9.48% 16% 17.3% 16.3% 15.4%
ROA (Net income/ Total Assets) 1.38% -2.11% 1.68% 1.71% 3.33% 4.02% 3.85% 3.77%
Assets 1 59,230 92,785 62,099 65,239 62,473 64,501 69,782 72,289
Book Value Per Share 2 9.300 7.530 8.360 8.810 10.20 10.80 11.70 12.70
Cash Flow per Share 2 - - 2.580 2.720 1.540 1.730 1.820 1.850
Capex 1 - - 167 240 258 265 271 281
Capex / Sales - - 0.87% 1.15% 1.01% 1.01% 0.98% 0.98%
Announcement Date 2/16/20 2/18/21 2/17/22 2/16/23 2/15/24 - - -
1AUD in Million2AUD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for QBE Insurance Group Limited

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
14
Last Close Price
16.94 AUD
Average target price
19.44 AUD
Spread / Average Target
+14.75%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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