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Also traded in: Australia, Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.40
OTCPK:IAUGY's Cash-to-Debt is ranked lower than
79% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. OTCPK:IAUGY: 0.40 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:IAUGY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.49 Max: 0.96
Current: 0.4
0.17
0.96
Equity-to-Asset 0.22
OTCPK:IAUGY's Equity-to-Asset is ranked lower than
68% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. OTCPK:IAUGY: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:IAUGY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.22 Max: 0.3
Current: 0.22
0.17
0.3
Debt-to-Equity 0.16
OTCPK:IAUGY's Debt-to-Equity is ranked higher than
72% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. OTCPK:IAUGY: 0.16 )
Ranked among companies with meaningful Debt-to-Equity only.
OTCPK:IAUGY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13  Med: 0.25 Max: 0.56
Current: 0.16
0.13
0.56
Debt-to-EBITDA 0.68
OTCPK:IAUGY's Debt-to-EBITDA is ranked higher than
80% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.72 vs. OTCPK:IAUGY: 0.68 )
Ranked among companies with meaningful Debt-to-EBITDA only.
OTCPK:IAUGY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.68  Med: 1.21 Max: 8.65
Current: 0.68
0.68
8.65
Interest Coverage 14.34
OTCPK:IAUGY's Interest Coverage is ranked lower than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.00 vs. OTCPK:IAUGY: 14.34 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:IAUGY' s Interest Coverage Range Over the Past 10 Years
Min: 3.59  Med: 8.87 Max: 18.39
Current: 14.34
3.59
18.39
Beneish M-Score: -2.25
WACC vs ROIC
8.44%
39.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 13.50
OTCPK:IAUGY's Operating Margin % is ranked higher than
69% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. OTCPK:IAUGY: 13.50 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:IAUGY' s Operating Margin % Range Over the Past 10 Years
Min: -1.66  Med: 7.95 Max: 18.62
Current: 13.5
-1.66
18.62
Net Margin % 9.40
OTCPK:IAUGY's Net Margin % is ranked higher than
60% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.02 vs. OTCPK:IAUGY: 9.40 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:IAUGY' s Net Margin % Range Over the Past 10 Years
Min: -3.18  Med: 4.75 Max: 12.74
Current: 9.4
-3.18
12.74
ROE % 14.12
OTCPK:IAUGY's ROE % is ranked higher than
73% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. OTCPK:IAUGY: 14.12 )
Ranked among companies with meaningful ROE % only.
OTCPK:IAUGY' s ROE % Range Over the Past 10 Years
Min: -5.89  Med: 7.48 Max: 21.72
Current: 14.12
-5.89
21.72
ROA % 3.14
OTCPK:IAUGY's ROA % is ranked higher than
64% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.13 vs. OTCPK:IAUGY: 3.14 )
Ranked among companies with meaningful ROA % only.
OTCPK:IAUGY' s ROA % Range Over the Past 10 Years
Min: -1.27  Med: 1.59 Max: 4.52
Current: 3.14
-1.27
4.52
3-Year Revenue Growth Rate -1.60
OTCPK:IAUGY's 3-Year Revenue Growth Rate is ranked lower than
81% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. OTCPK:IAUGY: -1.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:IAUGY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.4  Med: 2.7 Max: 28.2
Current: -1.6
-6.4
28.2
3-Year EBITDA Growth Rate -9.60
OTCPK:IAUGY's 3-Year EBITDA Growth Rate is ranked lower than
69% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. OTCPK:IAUGY: -9.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:IAUGY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -62.9  Med: 5.3 Max: 327.7
Current: -9.6
-62.9
327.7
3-Year EPS without NRI Growth Rate -11.10
OTCPK:IAUGY's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. OTCPK:IAUGY: -11.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:IAUGY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -48.7  Med: 2.4 Max: 124.7
Current: -11.1
-48.7
124.7
GuruFocus has detected 4 Warning Signs with Insurance Australia Group Ltd OTCPK:IAUGY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:IAUGY's 30-Y Financials

Financials (Next Earnings Date: 2018-02-22)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of Insurance Australia Group Ltd

SymbolPriceYieldDescription
IAGPD.Australia106.504.44Hybrid Security
IAGPC.Australia102.355.97Preference Shares 2012- Without Fixed Maturity Conv.Floating Rate

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126 
Compare:NAS:CINF, WAR:PZU, ASX:QBE, TSX:IFC, NYSE:CNA, ASX:SUN, NYSE:XL, NYSE:MKL, NYSE:AFG, TSX:FFH, LSE:RSA, NYSE:Y, NYSE:WRB, NYSE:L, LSE:ADM, HKSE:01339, XPAR:ELE, XMCE:GCO, NYSE:AXS, LSE:HSX » details
Traded in other countries:IAG.Australia, NRM.Germany,
Headquarter Location:Australia
Insurance Australia Group Ltd is a general insurance company operating in Australia and New Zealand and Asia. It sells various insurance policies under different brands such as NRMA Insurance, Swann Insurance, AMI Insurance and Safety.

Insurance Australia Group, or IAG, is one of the two largest domestic general insurers by gross written premium operating in Australia and New Zealand. It also has a small but growing exposure to Asia. The key general insurance markets in which IAG operates are home and contents, motor vehicle and compulsory third-party, and short-tail commercial. IAG sells insurance under several brands, including NRMA Insurance, CGU, SGIO, SGIC, and Swann Insurance (Australia); NZI, State, and AMI Insurance (New Zealand); and Safety and NZI (Thailand).

Ratios

vs
industry
vs
history
PE Ratio 17.31
IAUGY's PE Ratio is ranked lower than
57% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. IAUGY: 17.31 )
Ranked among companies with meaningful PE Ratio only.
IAUGY' s PE Ratio Range Over the Past 10 Years
Min: 10.09  Med: 22.29 Max: 89.77
Current: 17.31
10.09
89.77
Forward PE Ratio 17.42
IAUGY's Forward PE Ratio is ranked lower than
62% of the 47 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.99 vs. IAUGY: 17.42 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.31
IAUGY's PE Ratio without NRI is ranked lower than
57% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. IAUGY: 17.31 )
Ranked among companies with meaningful PE Ratio without NRI only.
IAUGY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.09  Med: 22.29 Max: 89.77
Current: 17.31
10.09
89.77
PB Ratio 2.37
IAUGY's PB Ratio is ranked lower than
81% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. IAUGY: 2.37 )
Ranked among companies with meaningful PB Ratio only.
IAUGY' s PB Ratio Range Over the Past 10 Years
Min: 1.27  Med: 1.92 Max: 2.84
Current: 2.37
1.27
2.84
PS Ratio 1.64
IAUGY's PS Ratio is ranked lower than
67% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. IAUGY: 1.64 )
Ranked among companies with meaningful PS Ratio only.
IAUGY' s PS Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.06 Max: 1.75
Current: 1.64
0.7
1.75
Price-to-Free-Cash-Flow 25.49
IAUGY's Price-to-Free-Cash-Flow is ranked lower than
87% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.97 vs. IAUGY: 25.49 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
IAUGY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 15.99  Med: 25.14 Max: 1403.33
Current: 25.49
15.99
1403.33
Price-to-Operating-Cash-Flow 25.49
IAUGY's Price-to-Operating-Cash-Flow is ranked lower than
88% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. IAUGY: 25.49 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
IAUGY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.53  Med: 13.4 Max: 1403.33
Current: 25.49
4.53
1403.33
EV-to-EBIT 9.90
IAUGY's EV-to-EBIT is ranked higher than
61% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.02 vs. IAUGY: 9.90 )
Ranked among companies with meaningful EV-to-EBIT only.
IAUGY' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.8  Med: 12.2 Max: 57.8
Current: 9.9
5.8
57.8
EV-to-EBITDA 8.89
IAUGY's EV-to-EBITDA is ranked higher than
64% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.27 vs. IAUGY: 8.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
IAUGY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.5  Med: 9 Max: 17.4
Current: 8.89
-12.5
17.4
EV-to-Revenue 1.43
IAUGY's EV-to-Revenue is ranked lower than
60% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. IAUGY: 1.43 )
Ranked among companies with meaningful EV-to-Revenue only.
IAUGY' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.2  Med: 1.05 Max: 1.8
Current: 1.43
-0.2
1.8
PEG Ratio 3.19
IAUGY's PEG Ratio is ranked lower than
88% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. IAUGY: 3.19 )
Ranked among companies with meaningful PEG Ratio only.
IAUGY' s PEG Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.82 Max: 34.25
Current: 3.19
0.11
34.25
Shiller PE Ratio 31.06
IAUGY's Shiller PE Ratio is ranked lower than
90% of the 62 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.60 vs. IAUGY: 31.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
IAUGY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.29  Med: 21.36 Max: 33.14
Current: 31.06
13.29
33.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.07
IAUGY's Dividend Yield % is ranked higher than
95% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. IAUGY: 5.07 )
Ranked among companies with meaningful Dividend Yield % only.
IAUGY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.87  Med: 6.5 Max: 13.07
Current: 5.07
2.87
13.07
Dividend Payout Ratio 0.69
IAUGY's Dividend Payout Ratio is ranked lower than
81% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. IAUGY: 0.69 )
Ranked among companies with meaningful Dividend Payout Ratio only.
IAUGY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.66  Med: 1.64 Max: 4.71
Current: 0.69
0.66
4.71
3-Year Dividend Growth Rate -11.90
IAUGY's 3-Year Dividend Growth Rate is ranked lower than
90% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. IAUGY: -11.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
IAUGY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.3 Max: 56.9
Current: -11.9
0
56.9
Forward Dividend Yield % 6.22
IAUGY's Forward Dividend Yield % is ranked higher than
95% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.33 vs. IAUGY: 6.22 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 9.76
IAUGY's 5-Year Yield-on-Cost % is ranked higher than
92% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.12 vs. IAUGY: 9.76 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
IAUGY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.53  Med: 12.52 Max: 25.17
Current: 9.76
5.53
25.17
3-Year Average Share Buyback Ratio -0.40
IAUGY's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. IAUGY: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
IAUGY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.1  Med: -4 Max: 4.2
Current: -0.4
-9.1
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.80
IAUGY's Price-to-Tangible-Book is ranked lower than
92% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. IAUGY: 4.80 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
IAUGY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 2.55  Med: 3.93 Max: 6.3
Current: 4.8
2.55
6.3
Price-to-Median-PS-Value 1.55
IAUGY's Price-to-Median-PS-Value is ranked lower than
81% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. IAUGY: 1.55 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
IAUGY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73  Med: 1.15 Max: 1.6
Current: 1.55
0.73
1.6
Price-to-Peter-Lynch-Fair-Value 3.21
IAUGY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
87% of the 31 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. IAUGY: 3.21 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
IAUGY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.44  Med: 0.8 Max: 3.31
Current: 3.21
0.44
3.31
Price-to-Graham-Number 1.92
IAUGY's Price-to-Graham-Number is ranked lower than
81% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. IAUGY: 1.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
IAUGY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.38  Med: 1.99 Max: 3.19
Current: 1.92
1.38
3.19
Earnings Yield (Greenblatt) % 10.11
IAUGY's Earnings Yield (Greenblatt) % is ranked higher than
66% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. IAUGY: 10.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
IAUGY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.7  Med: 8.2 Max: 17.2
Current: 10.11
1.7
17.2
Forward Rate of Return (Yacktman) % -50.48
IAUGY's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.52 vs. IAUGY: -50.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
IAUGY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -180.9  Med: -76.9 Max: 30.9
Current: -50.48
-180.9
30.9

More Statistics

Revenue (TTM) (Mil) $7,368.96
EPS (TTM) $ 1.41
Beta1.33
Short Percentage of Float0.00%
52-Week Range $20.56 - 26.90
Shares Outstanding (Mil)473.50 (ADR)

Analyst Estimate

Jun18 Jun19 Jun20
Revenue (Mil $) 6,836 7,055 7,088
EPS ($) 1.46 1.58 1.69
EPS without NRI ($) 1.46 1.58 1.69
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.15 1.20 1.35

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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