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QBE Insurance Group Limited (QBE.AX)

AUD25.76 +0.29 (+1.14%)
AU ASX Financial Services Insurance - Property & Casualty
Address 388 George Street 2000
Sydney, NSW, AU
CEO David Andrew Horton
Website qbe.com
IPO 1988-01-28
ISIN AU000000QBE9

Explore sections of this company profile

Also trades on Australian Securities Exchange · QBE.AX (AUD) Other OTC · QBEIF (USD) Other OTC · QBIEY (USD)
Description

QBE Insurance Group Limited engages in underwriting general insurance and reinsurance risks in the Australia Pacific, North America, and internationally. The company offers commercial and domestic property, agriculture, public/product liability, motor and motor casualty, professional indemnity, workers' compensation, accident, health, financial and credit, and other insurance products, as well as marine, energy and aviation insurance products. It also manages Lloyd’s syndicates, as well as provides investment management services. The company was founded in 1886 and is headquartered in Sydney, Australia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
AUD25.76 +0.29 (+1.14%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.15
Float Shares
1.50B
Free Float %
100.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.85% -3.29% +1.34% +4.19% +17.61% +13.83% -3.50% +54.86% +106.76% +81.99% +2,536.39%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
25.76
DCF (Unlevered) 75.65 +193.7%
DCF (Levered) 161.86 +528.3%

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) 69% Bullish
Rating 2026-05 Change
Strong Buy 2 -1
Buy 7 0
Hold 2 0
Sell 0 0
Strong Sell 2 0
Quality scores
Altman Z-Score
2.26
Grey zone
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 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%
    +33.1% Q4'25: +12.9% (vs Q4'23)
  • EPS growth Insurance - Property & Casualty: +27.5%
    +27.2% Q4'25: +22.6% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +19.9% Q4'25: +18.9% (vs Q4'23)
  • EBIT margin Insurance - Property & Casualty: +16.3%
    +12.9% Q4'25: +13.1% (vs Q4'23)
  • ROIC Insurance - Property & Casualty: +7.9%
    +17.5% Q4'25: +36.5% (vs Q4'23)
  • Share dilution Insurance - Property & Casualty: +0.4%
    +0.6% Q4'25: +1.4% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    1.20× Q4'25: 0.61× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 89% × Ke + 11% × Kd (6.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 75.65 Current price: 25.76
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2000
actual
Dec 2001
actual
Dec 2002
actual
Dec 2003
actual
Dec 2004
actual
Dec 2005
actual
Dec 2006
actual
Dec 2007
actual
Dec 2008
actual
Dec 2009
actual
Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
7 Rev. Ana.
10 EPS Ana.
Dec 2027
7 Rev. Ana.
10 EPS Ana.
Dec 2028
6 Rev. Ana.
7 EPS Ana.
Dec 2029
5 Rev. Ana.
2 EPS Ana.
Revenue
est: 2.09B (-100.0%)
2.58B
est: 3.06B (-15.6%)
3.32B
est: 4.13B (-19.6%)
6.59B
est: 4.94B (+33.3%)
7.46B
est: 5.46B (+36.8%)
6.08B
est: 5.62B (+8.2%)
9.28B
est: 6.80B (+36.6%)
10.27B
est: 10.49B (-2.0%)
8.94B
est: 7.74B (+15.5%)
12.44B
est: 11.46B (+8.6%)
12.07B
est: 11.30B (+6.8%)
16.36B
est: 16.45B (-0.5%)
17.09B
est: 16.04B (+6.5%)
16.17B
est: 15.73B (+2.8%)
14.90B
est: 13.95B (+6.8%)
13.00B
est: 12.48B (+4.2%)
11.84B
est: 11.59B (+2.1%)
12.01B
est: 12.19B (-1.5%)
11.63B
est: 12.66B (-8.2%)
12.65B
est: 11.68B (+8.2%)
11.93B
est: 11.63B (+2.6%)
13.53B
est: 14.26B (-5.1%)
13.40B
est: 14.32B (-6.4%)
17.45B
est: 14.86B (+17.4%)
18.75B
est: 17.55B (+6.8%)
24.96B
est: 18.70B (+33.5%)
18.88B
18.31B – 19.57B
+1.0% YoY
19.95B
19.11B – 20.90B
+5.6% YoY
20.87B
20.12B – 21.76B
+4.7% YoY
21.72B
20.94B – 22.64B
+4.1% YoY
EBITDA
126.77M
est: 148.95M (-14.9%)
-17.36M
est: 68.99M (-125.2%)
201.35M
est: -136.20M (+247.8%)
765.00M
est: 63.42M (+1,106.2%)
1.10B
est: 482.46M (+128.4%)
1.15B
est: 699.31M (+64.0%)
2.02B
est: 1.31B (+54.6%)
2.31B
est: 2.18B (+5.9%)
1.76B
est: 1.43B (+22.6%)
2.31B
est: 2.69B (-14.1%)
1.70B
est: 1.65B (+2.9%)
1.36B
est: 1.97B (-30.8%)
1.61B
est: 563.68M (+186.3%)
1.28B
est: 586.48M (+118.7%)
1.39B
est: -669.28M (+308.1%)
1.10B
est: 629.19M (+74.4%)
1.20B
est: 620.63M (+92.7%)
-699.00M
est: 875.18M (-179.9%)
755.00M
est: -1.25B (+160.6%)
873.00M
est: 163.03M (+435.5%)
-1.15B
est: 388.30M (-396.7%)
1.22B
est: 410.85M (+196.0%)
1.27B
est: 419.67M (+203.1%)
2.20B
est: 1.76B (+25.4%)
2.69B
est: 2.07B (+29.7%)
3.41B
est: 2.21B (+54.2%)
2.23B
2.16B – 2.31B
+1.0% YoY
2.36B
2.26B – 2.47B
+5.6% YoY
2.47B
2.38B – 2.57B
+4.7% YoY
2.57B
2.48B – 2.68B
+4.1% YoY
EBIT
129.50M
est: 134.39M (-3.6%)
-17.36M
est: 137.98M (-112.6%)
174.42M
est: -6.74M (+2,687.0%)
852.00M
est: 342.23M (+149.0%)
1.08B
est: 610.53M (+76.9%)
1.19B
est: 932.07M (+27.2%)
2.14B
est: 1.49B (+43.4%)
2.43B
est: 2.49B (-2.4%)
1.86B
est: 1.71B (+8.8%)
2.18B
est: 3.29B (-33.5%)
1.58B
est: 1.99B (-20.7%)
1.14B
est: 2.66B (-57.0%)
1.27B
est: 1.11B (+13.5%)
-103.00M
est: 1.24B (-108.3%)
1.17B
est: -85.85M (+1,464.8%)
1.20B
est: 1.23B (-2.9%)
1.37B
est: 1.06B (+29.3%)
-825.00M
est: 1.46B (-156.6%)
627.00M
est: -450.68M (+239.1%)
929.00M
est: 967.81M (-4.0%)
-1.22B
est: 908.64M (-234.3%)
1.16B
est: 961.40M (+20.7%)
1.16B
est: 982.05M (+18.5%)
2.07B
est: 1.65B (+25.7%)
2.52B
est: 1.94B (+29.6%)
3.21B
est: 2.07B (+54.8%)
2.09B
2.03B – 2.17B
+1.0% YoY
2.21B
2.12B – 2.32B
+5.6% YoY
2.31B
2.23B – 2.41B
+4.7% YoY
2.41B
2.32B – 2.51B
+4.1% YoY
Net Income
-2.75M
est: 178.33M (-101.5%)
-7.36M
est: 82.20M (-109.0%)
560.8K
est: -17.53M (+103.2%)
-5.00M
est: 181.88M (-102.7%)
-7.00M
est: 409.60M (-101.7%)
798.86M
est: 621.04M (+28.6%)
1.48B
est: 1.00B (+47.6%)
1.69B
est: 1.72B (-2.1%)
1.30B
est: 1.19B (+9.3%)
1.77B
est: 2.30B (-23.0%)
1.30B
est: 1.48B (-12.0%)
704.00M
est: 1.92B (-63.3%)
761.00M
est: 686.56M (+10.8%)
-254.00M
est: 746.33M (-134.0%)
742.00M
est: -211.70M (+450.5%)
687.00M
est: 744.60M (-7.7%)
844.00M
est: 606.51M (+39.2%)
-1.25B
est: 900.79M (-238.7%)
390.00M
est: -1.15B (+134.0%)
550.00M
est: 404.98M (+35.8%)
-1.52B
est: 537.95M (-382.0%)
750.00M
est: 569.18M (+31.8%)
587.00M
est: 1.07B (-45.2%)
1.36B
est: 1.14B (+19.1%)
1.78B
est: 1.44B (+23.5%)
2.23B
est: 2.04B (+9.7%)
1.93B
1.85B – 2.01B
-5.1% YoY
1.86B
1.58B – 2.14B
-3.7% YoY
1.95B
1.62B – 2.29B
+4.9% YoY
2.32B
2.21B – 2.44B
+18.6% YoY
SGA
est: 908.98M (-100.0%)
est: 1.33B (-100.0%)
est: 1.80B (-100.0%)
4.00M
est: 2.15B (-99.8%)
est: 2.38B (-100.0%)
est: 2.45B (-100.0%)
est: 2.96B (-100.0%)
est: 4.57B (-100.0%)
est: 3.37B (-100.0%)
est: 4.99B (-100.0%)
est: 4.92B (-100.0%)
est: 7.16B (-100.0%)
est: 2.50B (-100.0%)
39.00M
est: 2.82B (-98.6%)
54.00M
est: 2.40B (-97.8%)
59.00M
est: 2.65B (-97.8%)
58.00M
est: 2.20B (-97.4%)
39.00M
est: 2.59B (-98.5%)
34.00M
est: 2.09B (-98.4%)
38.00M
est: 2.31B (-98.4%)
20.00M
est: 2.13B (-99.1%)
36.00M
est: 2.25B (-98.4%)
est: 2.30B (-100.0%)
19.71B
est: 6.47B (+204.7%)
19.57B
est: 7.63B (+156.4%)
est: 8.14B (-100.0%)
8.22B
7.97B – 8.52B
+1.0% YoY
8.68B
8.32B – 9.09B
+5.6% YoY
9.09B
8.76B – 9.47B
+4.7% YoY
9.45B
9.11B – 9.85B
+4.1% YoY
EPS
-0.01
est: 0.12 (-105.7%)
-0.01
est: 0.05 (-117.9%)
0.24
est: 0.13 (+82.7%)
0.65
est: 0.40 (+62.5%)
1.23
est: 0.66 (+86.3%)
1.06
est: 0.74 (+43.6%)
1.86
est: 1.11 (+67.7%)
1.98
est: 1.69 (+17.1%)
1.46
est: 0.96 (+52.3%)
1.97
est: 1.65 (+19.3%)
1.26
est: 1.28 (-1.7%)
0.65
est: 0.75 (-13.2%)
0.65
est: 0.91 (-28.8%)
-0.23
est: 0.69 (-133.2%)
0.57
est: 0.60 (-4.9%)
0.50
est: 0.62 (-19.0%)
0.62
est: 0.56 (+10.2%)
-0.89
est: -0.24 (-264.0%)
0.42
est: 0.58 (-27.4%)
0.43
est: 0.56 (-23.0%)
-1.09
est: -0.61 (-80.1%)
0.47
est: 0.59 (-19.7%)
0.36
est: 0.46 (-22.1%)
0.88
est: 0.76 (+15.6%)
1.08
est: 1.11 (-2.5%)
1.46
est: 1.34 (+8.8%)
1.27
1.21 – 1.32
-5.2% YoY
1.34
1.04 – 1.41
+5.2% YoY
1.40
1.06 – 1.50
+4.5% YoY
1.52
1.45 – 1.60
+8.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-28 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-27 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-26 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-25 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-22 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-21 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-20 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-19 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-18 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-05-15 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-14 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-13 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-12 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-11 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-08 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-07 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-06 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-05 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-04 B+ 3/5 3/5 5/5 5/5 3/5 2/5 1/5
2026-05-01 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-30 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-29 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 3/5 5/5 5/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-23 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-22 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-17 A- 4/5 4/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A- 4/5 4/5 5/5 5/5 2/5 3/5 2/5
2026-04-15 A- 4/5 4/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.90B
OE per share TTM
4.54
Owner's Yield
20.18%
Maintenance CapEx ratio
2.12%
Maint CapEx / Avg PPE
2.5%

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
238.4K
Shares Outstanding
1.49B

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

NameTitleCompensationGender
D. Andrew Horton Group Chief Executive Officer & Executive Director 4M male
David Andrew Horton Group Chief Executive Officer & Executive Director 4M male
Jason Richard Harris Chief Executive Officer of International 3M male
Christopher Thomas Killourhy Group Chief Financial Officer 3M male
Julie Madden Wood Chief Executive Officer of North America 2M female
Peter Burton Group Chief Underwriting Officer 2M male
Susan Wendy Houghton Chief Executive Officer of Australia Pacific 2M female
Amanda Hughes Group Chief People Officer 1M female
Fiona Larnach FCPA Group Chief Risk Officer 1M female
Vivienne Bower Group Executive of Corporate Affairs & Sustainability female
Ashley Dalziell Group Head of Investor Relations male
Carolyn Scobie AGIA ACIS Group General Counsel & Company Secretary female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits