Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Insurance Australia GroupASX:IAG +1.12%70 3-Year EPS without NRI Growth Rate is 32.60% as of Jun. 2026, which is 185% above its 10-year median of 11.45. GuruFocus rates ASX:IAG with a GF Score™ of 70/100 and a GF Value™ of A$8.64 (Fairly Valued). The stock has 6 warning signs investors should review. Among 399 Insurance companies, Insurance Australia Group ranks better than 71.68% on this metric.
During the past 12 months, Insurance Australia Group's average EPS without NRI Growth Rate was -12.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 32.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 25.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -5.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Insurance Australia Group was 149.00% per year. The lowest was -61.00% per year. And the median was 11.45% per year.
Insurance Australia Group (ASX:IAG) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Insurance Australia Group 3-Year EPS without NRI Growth Rate Related Terms
ASX:IAG vs CB, PGR, TRV: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Insurance Australia Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Insurance Australia Group 3-Year EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Insurance Australia Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Insurance Australia Group's 3-Year EPS without NRI Growth Rate falls into.
Insurance Australia Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 32.60% mean?
Insurance Australia Group (ASX:IAG) has a 3-Year EPS without NRI Growth Rate of 32.60% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Insurance Australia Group and its competitors. This is 185% above median its historical median of 11.45. According to the industry distribution chart, Insurance Australia Group ranks #113 out of 399 companies in the Insurance industry, placing it in the top 28.3%.
Is Insurance Australia Group's 3-Year EPS without NRI Growth Rate too high?
Insurance Australia Group's current 3-Year EPS without NRI Growth Rate of 32.60% is 185% above median its 10-year median of 11.45. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.30. Insurance Australia Group's value of 32.60% is 100% above this industry median. Based on the distribution chart, Insurance Australia Group ranks #113 out of 399 companies in the Insurance industry, which is above the industry midpoint. Overall, Insurance Australia Group has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's 3-Year EPS without NRI Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #113 out of 399 companies for 3-Year EPS without NRI Growth Rate. This puts Insurance Australia Group in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.30. Insurance Australia Group's value of 32.60% is 100% above this benchmark. While the company's 10-year median is 11.45 vs. the industry median of 16.30, Insurance Australia Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.30, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Insurance Australia Group's current 3-Year EPS without NRI Growth Rate of 32.60% is 100% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Insurance Australia Group and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Insurance Australia Group's current 3-Year EPS without NRI Growth Rate is 32.60%, which is 185% above median its own 10-year median of 11.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Insurance Australia Group stock overvalued right now?
Based on GuruFocus' analysis, Insurance Australia Group (ASX:IAG) is currently considered Fairly Valued. The stock's GF Value™ is A$8.64, compared to a current price of A$8.10 — trading 6.3% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 32.60%, which is 185% above median its 10-year median of 11.45 and 100% above the Insurance industry median of 16.30. Insurance Australia Group's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Insurance Australia Group (ASX:IAG), the current 3-Year EPS without NRI Growth Rate is 32.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Insurance Australia Group (ASX:IAG) Overvalued in 2026?
Based on GuruFocus' analysis, Insurance Australia Group stock appears to be undervalued.
The current stock price of A$8.10 is trading 6.3% below its estimated GF Value™ of A$8.64.
GuruFocus considers Insurance Australia Group to be Fairly Valued.
Key valuation signals for ASX:IAG:
3-Year EPS without NRI Growth Rate: 32.60% (185% above median its 10-year median of 11.45)
GF Value™: A$8.64 vs. price of A$8.10 (6.3% below fair value)
Industry Position: 100% above the Insurance median (#113 of 399)
No single metric tells the full story. See the ASX:IAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Insurance Australia Group is the biggest domestic general insurer by gross written premiums, operating in Australia and New Zealand. The key general insurance markets in which the company operates are home and contents, motor vehicle and compulsory third party, and short-tail commercial. Insurance Australia Group sells insurance under several brands, including NRMA, CGU, SGIO, SGIC, WFI, and Swann in Australia and NZI, State, AMI, and Lumley in New Zealand.
70GF Score
Get the complete analysis for ASX:IAG
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:IAG has been successfully added to your 
