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Insurance Australia Group Limited (IAG.AX)
AUD8.30
-0.05 (-0.60%)
AU ASX Financial Services Insurance - Property & Casualty
Address
Tower Two 2000
Sydney, NSW, AU
Sydney, NSW, AU
CEO
Nicholas Hawkins
Website
iag.com.au
IPO
2000-08-07
ISIN AU000000IAG3
Also trades on
Australian Securities Exchange · IAG.AX (AUD)
Other OTC · IAUGF (USD)
Other OTC · IAUGY (USD)
Description
Insurance Australia Group Limited (IAG), headquartered in Sydney, Australia, is a prominent provider of general insurance underwriting and investment management services across Australia and New Zealand. The company offers a comprehensive array of personal and commercial insurance policies. Its personal lines encompass coverage for home and contents, various motor vehicles (including comprehensive, classic, veteran, vintage, boat, and caravan policies), travel, life, and income protection. For commercial clients, IAG delivers solutions such as commercial property, motor fleet, diverse liability coverage (public, product, professional indemnity, and directors and officers), construction, engineering, workers' compensation, and policies tailored for rural and horticultural sectors (including farm, crop, and livestock). Additionally, it provides consumer credit and extended warranty insurance, alongside reinsurance services. IAG distributes its products through a wide network of channels, including company-owned branches and agencies, call centers, digital platforms, independent brokers, authorized representatives, financial institutions, and other third-party partnerships. These services are marketed under a robust portfolio of brands, notably NRMA Insurance, SGIO, SGIC, RACV, CGU, ROLLiN, WFI, Swann Insurance, NZI, State, AMI, Lumley, and Coles Insurance. Established in 1920, the company was initially known as NRMA Insurance Group Limited before adopting its current name, Insurance Australia Group Limited, in 2002.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD8.30
-0.05 (-0.60%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
-0.02
Float Shares
2.18B
Free Float %
92.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.19% | -1.79% | +2.00% | +15.02% | -1.29% | -4.01% | -11.34% | +47.02% | +52.59% | +26.19% | +171.63% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
8.30
DCF (Unlevered)
32.73
+294.4%
DCF (Levered)
34.86
+320.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
54% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 5 | 0 |
| Hold | 4 | +1 |
| Sell | 1 | 0 |
| Strong Sell | 1 | +1 |
Quality scores
Altman Z-Score
2.72
Grey zone
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Property & Casualty: +14.1%-7.7% Q4'25: +19.7% (vs Q4'23)
-
EPS growth Insurance - Property & Casualty: +27.5%+58.3% ★ Q4'25: +31.3% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+12.8% Q4'25: +0.0% (vs Q4'23)
-
EBIT margin Insurance - Property & Casualty: +16.3%+16.3% Q4'25: +9.4% (vs Q4'23)
-
ROIC Insurance - Property & Casualty: +7.9%+16.6% ★ Q4'25: +23.0% (vs Q4'23)
-
Share dilution Insurance - Property & Casualty: +0.4%-15.1% ★ Q4'25: -10.4% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×1.13× Q4'25: 1.00× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2000 actual |
Jun 2001 actual |
Jun 2002 actual |
Jun 2003 actual |
Jun 2004 actual |
Jun 2005 actual |
Jun 2006 actual |
Jun 2007 actual |
Jun 2008 actual |
Jun 2009 actual |
Jun 2010 actual |
Jun 2011 actual |
Jun 2012 actual |
Jun 2013 actual |
Jun 2014 actual |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 7 Rev. Ana. 8 EPS Ana. |
Jun 2027 7 Rev. Ana. 8 EPS Ana. |
Jun 2028 7 Rev. Ana. 6 EPS Ana. |
Jun 2029 3 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
—
est: 2.72B (-100.0%)
|
3.53B
est: 3.13B (+12.9%)
|
3.30B
est: 3.46B (-4.7%)
|
5.14B
est: 4.50B (+14.1%)
|
6.96B
est: 6.06B (+14.9%)
|
7.38B
est: 6.30B (+17.2%)
|
7.26B
est: 6.54B (+10.9%)
|
7.93B
est: 6.99B (+13.5%)
|
8.31B
est: 7.63B (+8.8%)
|
8.49B
est: 7.66B (+10.9%)
|
8.00B
est: 7.39B (+8.3%)
|
8.45B
est: 7.79B (+8.6%)
|
8.40B
est: 8.43B (-0.3%)
|
9.15B
est: 8.30B (+10.3%)
|
9.75B
est: 8.99B (+8.5%)
|
11.38B
est: 11.43B (-0.4%)
|
9.07B
est: 11.39B (-20.4%)
|
9.88B
est: 11.79B (-16.2%)
|
8.18B
est: 11.65B (-29.8%)
|
7.70B
est: 12.10B (-36.4%)
|
7.22B
est: 11.43B (-36.8%)
|
7.88B
est: 12.66B (-37.8%)
|
7.57B
est: 13.30B (-43.1%)
|
409.00M
est: 14.69B (-97.2%)
|
15.99B
est: 15.43B (+3.6%)
|
14.76B
est: 17.19B (-14.1%)
|
18.37B
17.99B – 20.11B
+6.9% YoY
|
19.25B
18.32B – 21.61B
+4.7% YoY
|
20.03B
19.34B – 22.21B
+4.1% YoY
|
21.20B
20.46B – 23.50B
+5.8% YoY
|
| EBITDA |
429.80M
est: 754.90M (-43.1%)
|
694.00M
est: 500.85M (+38.6%)
|
19.00M
est: 206.67M (-90.8%)
|
459.00M
est: -56.04M (+919.1%)
|
1.37B
est: 313.33M (+335.6%)
|
1.37B
est: 1.05B (+29.9%)
|
1.40B
est: 1.18B (+18.5%)
|
1.18B
est: 1.24B (-4.6%)
|
183.00M
est: 905.41M (-79.8%)
|
536.00M
est: -171.54M (+412.5%)
|
589.00M
est: 237.38M (+148.1%)
|
807.00M
est: 319.35M (+152.7%)
|
669.00M
est: 569.64M (+17.4%)
|
-41.00M
est: 379.02M (-110.8%)
|
2.03B
est: 1.30B (+56.5%)
|
1.26B
est: 2.04B (-38.0%)
|
1.20B
est: 660.77M (+82.1%)
|
1.58B
est: 867.16M (+82.7%)
|
1.68B
est: 1.17B (+44.1%)
|
1.56B
est: 1.21B (+29.2%)
|
776.00M
est: 1.44B (-46.1%)
|
-67.00M
est: 481.91M (-113.9%)
|
779.00M
est: 499.83M (+55.9%)
|
1.69B
est: 593.85M (+184.2%)
|
1.88B
est: 680.97M (+175.5%)
|
2.63B
est: 4.79B (-45.2%)
|
5.11B
5.00B – 5.59B
+6.6% YoY
|
5.35B
5.09B – 6.01B
+4.7% YoY
|
5.57B
5.37B – 6.17B
+4.1% YoY
|
5.89B
5.69B – 6.53B
+5.8% YoY
|
| EBIT |
565.90M
est: 711.62M (-20.5%)
|
299.00M
est: 559.57M (-46.6%)
|
-55.00M
est: 281.82M (-119.5%)
|
343.00M
est: -131.62M (+360.6%)
|
1.21B
est: 399.40M (+202.7%)
|
1.33B
est: 1.20B (+10.8%)
|
1.34B
est: 1.31B (+2.6%)
|
1.05B
est: 1.35B (-22.5%)
|
-14.00M
est: 989.30M (-101.4%)
|
399.00M
est: -136.43M (+392.5%)
|
488.00M
est: 301.07M (+62.1%)
|
700.00M
est: 423.69M (+65.2%)
|
540.00M
est: 664.94M (-18.8%)
|
1.69B
est: 436.12M (+287.0%)
|
1.92B
est: 1.72B (+11.4%)
|
1.06B
est: 2.15B (-50.9%)
|
1.01B
est: 740.35M (+36.0%)
|
1.42B
est: 946.37M (+50.2%)
|
1.49B
est: 1.25B (+19.6%)
|
1.39B
est: 1.30B (+6.7%)
|
579.00M
est: 1.33B (-56.6%)
|
-334.00M
est: 546.23M (-161.1%)
|
564.00M
est: 566.54M (-0.4%)
|
1.50B
est: 673.11M (+123.3%)
|
1.68B
est: 771.86M (+117.1%)
|
2.41B
est: 4.52B (-46.7%)
|
4.81B
4.71B – 5.27B
+6.6% YoY
|
5.04B
4.80B – 5.66B
+4.7% YoY
|
5.25B
5.07B – 5.82B
+4.1% YoY
|
5.55B
5.36B – 6.16B
+5.8% YoY
|
| Net Income |
-100.10M
est: 467.86M (-121.4%)
|
-62.00M
est: 340.81M (-118.2%)
|
58.00M
est: 158.04M (-63.3%)
|
-64.00M
est: -32.58M (-96.4%)
|
-141.00M
est: 205.75M (-168.5%)
|
-119.00M
est: 691.21M (-117.2%)
|
759.00M
est: 789.30M (-3.8%)
|
552.00M
est: 829.67M (-33.5%)
|
-261.00M
est: 601.43M (-143.4%)
|
181.00M
est: -261.82M (+169.1%)
|
91.00M
est: 174.66M (-47.9%)
|
250.00M
est: 95.91M (+160.7%)
|
207.00M
est: 270.74M (-23.5%)
|
776.00M
est: 203.79M (+280.8%)
|
1.23B
est: 840.23M (+46.7%)
|
728.00M
est: 1.47B (-50.6%)
|
625.00M
est: 567.94M (+10.0%)
|
929.00M
est: 642.91M (+44.5%)
|
947.00M
est: 863.05M (+9.7%)
|
1.08B
est: 852.31M (+26.2%)
|
435.00M
est: 1.08B (-59.6%)
|
-427.00M
est: 444.13M (-196.1%)
|
347.00M
est: 460.65M (-24.7%)
|
832.00M
est: 832.00M (+0.0%)
|
898.00M
est: 898.00M (+0.0%)
|
1.36B
est: 1.36B (+0.0%)
|
1.03B
960.19M – 1.19B
-24.2% YoY
|
1.16B
1.09B – 1.24B
+12.9% YoY
|
1.20B
1.06B – 1.29B
+2.9% YoY
|
1.23B
1.17B – 1.40B
+2.8% YoY
|
| SGA |
—
est: 834.21M (-100.0%)
|
549.39M
est: 23.03M (+2,285.8%)
|
297.00M
est: 1.06B (-72.0%)
|
374.00M
est: 387.04M (-3.4%)
|
438.00M
est: 467.98M (-6.4%)
|
390.00M
est: 401.22M (-2.8%)
|
298.00M
est: 405.04M (-26.4%)
|
532.00M
est: 325.75M (+63.3%)
|
469.00M
est: 579.64M (-19.1%)
|
587.00M
est: 1.02B (-42.5%)
|
359.00M
est: 478.62M (-25.0%)
|
434.00M
est: 378.37M (+14.7%)
|
625.00M
est: 470.01M (+33.0%)
|
245.00M
est: 615.30M (-60.2%)
|
256.00M
est: 265.28M (-3.5%)
|
465.00M
est: 305.70M (+52.1%)
|
285.00M
est: 362.76M (-21.4%)
|
290.00M
est: 293.17M (-1.1%)
|
284.00M
est: 269.41M (+5.4%)
|
193.00M
est: 262.25M (-26.4%)
|
193.00M
est: 193.25M (-0.1%)
|
386.00M
est: 197.05M (+95.9%)
|
169.00M
est: 204.38M (-17.3%)
|
230.00M
est: 242.82M (-5.3%)
|
206.00M
est: 278.45M (-26.0%)
|
13.12B
est: 5.29B (+147.9%)
|
5.64B
5.52B – 6.18B
+6.6% YoY
|
5.91B
5.63B – 6.64B
+4.7% YoY
|
6.15B
5.94B – 6.82B
+4.1% YoY
|
6.51B
6.28B – 7.22B
+5.8% YoY
|
| EPS |
-0.07
est: 0.20 (-133.7%)
|
-0.04
est: 0.11 (-141.1%)
|
-0.02
est: -0.01 (-172.6%)
|
-0.06
est: 0.11 (-151.1%)
|
-0.10
est: 0.38 (-126.3%)
|
-0.10
est: 0.49 (-119.6%)
|
0.49
est: 0.51 (-4.1%)
|
0.34
est: 0.38 (-11.2%)
|
-0.15
est: 0.10 (-250.0%)
|
0.10
est: 0.15 (-35.8%)
|
0.05
est: 0.13 (-64.0%)
|
0.12
est: 0.20 (-38.8%)
|
0.10
est: 0.26 (-61.8%)
|
0.38
est: 0.53 (-28.3%)
|
0.57
est: 0.57 (+0.3%)
|
0.32
est: 0.42 (-24.4%)
|
0.26
est: 0.37 (-30.7%)
|
0.40
est: 0.42 (-3.6%)
|
0.40
est: 0.46 (-13.8%)
|
0.46
est: 0.40 (+16.1%)
|
0.19
est: 0.16 (+21.4%)
|
-0.18
est: 0.29 (-161.8%)
|
0.14
est: 0.11 (+30.7%)
|
0.34
est: 0.22 (+54.7%)
|
0.37
est: 0.38 (-3.1%)
|
0.57
est: 0.49 (+16.0%)
|
0.44
0.41 – 0.50
-10.1% YoY
|
0.49
0.46 – 0.52
+10.6% YoY
|
0.50
0.45 – 0.55
+3.2% YoY
|
0.52
0.50 – 0.59
+3.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-28 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-27 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-26 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-25 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-22 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-21 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-20 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-19 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-18 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-15 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-13 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-12 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-08 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-01 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 2/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-15 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.91B
OE per share TTM
0.72
Owner's Yield
10.58%
Maintenance CapEx ratio
12.66%
Maint CapEx / Avg PPE
6.0%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
176.2K
Shares Outstanding
2.35B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Nicholas Hawkins | MD, Chief Executive Officer & Executive Director | 3M | male |
| Julie Batch | Chief Executive Officer of Retail Insurance Australia | 2M | female |
| Jarrod Hill | Chief Executive Officer of CGU & WFI | 1M | male |
| Neil Morgan | Chief Operating Officer | 1M | male |
| Robert Cutler | Group General Counsel | 1M | male |
| William Rufus Benjamin McDonnell | Chief Financial Officer | 1M | male |
| Christine Stasi | Group Executive of People, Performance & Reputation | 1M | female |
| Peter John Taylor | Group Chief Risk Officer | 1M | male |
| Darren O'Connell | Executive General Manager of Underwriting | — | male |
| Amanda Wallace | Head of Corporate Communications | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
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House Trading Activity
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Market share among peers
Peer comparison — filtered group (TTM)
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Community Opinion for IAG.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
