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Insurance Australia GroupASX:IAG +0.35%82 EV-to-EBITDA is 8.40 as of Jul. 28, 2026, which is 25% below its 10-year median of 11.26. GuruFocus rates ASX:IAG with a GF Score™ of 82/100 and a GF Value™ of A$7.33 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 348 Insurance companies, Insurance Australia Group ranks worse than 51.15% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Insurance Australia Group's enterprise value is A$23,330 Mil.
Insurance Australia Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$2,778 Mil. Therefore, Insurance Australia Group's EV-to-EBITDA for today is 8.40.
The historical rank and industry rank for Insurance Australia Group's EV-to-EBITDA or its related term are showing as below:
ASX:IAG'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -471.71 Med: 11.26 Max: 21.66
Current: 8.41
During the past 13 years, the highest EV-to-EBITDA of Insurance Australia Group was 21.66. The lowest was -471.71. And the median was 11.26.
ASX:IAG's EV-to-EBITDA is ranked worse than 51.15% of 348
companies
in the Insurance industry
Industry Median: 8.31
vs ASX:IAG: 8.41
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Insurance Australia Group (ASX:IAG) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Insurance Australia Group's PE Ratio (TTM) for today is calculated as:
Insurance Australia Group's share price for today is A$8.61.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Insurance Australia Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.457.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Insurance Australia Group's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Insurance Australia Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Insurance Australia Group's EV-to-EBITDA falls into.
Insurance Australia Group's current Enterprise Value is A$23,330 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Insurance Australia Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$2,778 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Insurance Australia Group (ASX:IAG) has a EV-to-EBITDA of 8.40 as of Jul. 28, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Insurance Australia Group. This is 25% below median its historical median of 11.26. According to the industry distribution chart, Insurance Australia Group ranks #178 out of 348 companies in the Insurance industry, placing it in the top 51.1%.
Is Insurance Australia Group's EV-to-EBITDA too high?
Insurance Australia Group's current EV-to-EBITDA of 8.40 is 25% below median its 10-year median of 11.26. The Insurance industry median EV-to-EBITDA is 8.31. Insurance Australia Group's value of 8.40 is 1.1% above this industry median. Based on the distribution chart, Insurance Australia Group ranks #178 out of 348 companies in the Insurance industry, which is below the industry midpoint. Overall, Insurance Australia Group has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #178 out of 348 companies for EV-to-EBITDA. This places Insurance Australia Group in the lower half of its industry. The industry median EV-to-EBITDA is 8.31. Insurance Australia Group's value of 8.40 is 1.1% above this benchmark. While the company's 10-year median is 11.26 vs. the industry median of 8.31, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.31, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Insurance Australia Group's current EV-to-EBITDA of 8.40 is 1.1% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Insurance Australia Group. For the Insurance industry, the median EV-to-EBITDA is 8.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Insurance Australia Group's current EV-to-EBITDA is 8.40, which is 25% below median its own 10-year median of 11.26. 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 Modestly Overvalued. The stock's GF Value™ is A$7.33, compared to a current price of A$8.61 — trading 17.5% above its estimated fair value. The current EV-to-EBITDA is 8.40, which is 25% below median its 10-year median of 11.26 and 1.1% above the Insurance industry median of 8.31. Insurance Australia Group's overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Insurance Australia Group (ASX:IAG), the current EV-to-EBITDA is 8.40 as of Jul. 28, 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 overvalued.
The current stock price of A$8.61 is trading 17.5% above its estimated GF Value™ of A$7.33.
GuruFocus considers Insurance Australia Group to be Modestly Overvalued.
Key valuation signals for ASX:IAG:
EV-to-EBITDA: 8.40 (25% below median its 10-year median of 11.26)
GF Value™: A$7.33 vs. price of A$8.61 (17.5% above fair value)
Industry Position: 1.1% above the Insurance median (#178 of 348)
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.
82GF Score
Get the complete analysis for ASX:IAG
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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