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Insurance Australia Group (ASX:IAG) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Insurance Australia Group Equity-to-Asset Related Terms
Insurance Australia Group Equity-to-Asset Historical Data
* 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.
ASX:IAG vs CB, PGR, TRV: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Insurance Australia Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Insurance Australia Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Insurance Australia Group's Equity-to-Asset falls into.
Insurance Australia Group Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Insurance Australia Group's Equity to Asset Ratio for the fiscal year that ended in Jun. 2026 is calculated as
* 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 Equity-to-Asset of 0.26 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Insurance Australia Group and its competitors. This is 18% above median its historical median of 0.22. Over the past decade, Insurance Australia Group's Equity-to-Asset has ranged from 0.18 to 0.28. According to the industry distribution chart, Insurance Australia Group ranks #251 out of 505 companies in the Insurance industry, placing it in the top 49.7%.
Is Insurance Australia Group's Equity-to-Asset too high?
Insurance Australia Group's current Equity-to-Asset of 0.26 is 18% above median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.28. The Insurance industry median Equity-to-Asset is 0.26. Insurance Australia Group's value of 0.26 is 0% at this industry median. Based on the distribution chart, Insurance Australia Group ranks #251 out of 505 companies in the Insurance industry, which is above the industry midpoint. Overall, Insurance Australia Group has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's Equity-to-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #251 out of 505 companies for Equity-to-Asset. This puts Insurance Australia Group in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Insurance Australia Group's value of 0.26 is 0% at this benchmark. Historically, Insurance Australia Group's own Equity-to-Asset has ranged from 0.18 to 0.28 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.26, Insurance Australia Group has consistently been at 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Insurance Australia Group's current Equity-to-Asset of 0.26 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Insurance Australia Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Insurance Australia Group's current Equity-to-Asset is 0.26, which is 18% above median its own 10-year median of 0.22. 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$8.92, compared to a current price of A$8.14 — trading 8.7% below its estimated fair value. The current Equity-to-Asset is 0.26, which is 18% above median its 10-year median of 0.22 and 0% at the Insurance industry median of 0.26. Insurance Australia Group's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Insurance Australia Group (ASX:IAG), the current Equity-to-Asset is 0.26 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$8.14 is trading 8.7% below its estimated GF Value™ of A$8.92.
GuruFocus considers Insurance Australia Group to be Fairly Valued.
Key valuation signals for ASX:IAG:
Equity-to-Asset: 0.26 (18% above median its 10-year median of 0.22)
GF Value™: A$8.92 vs. price of A$8.14 (8.7% below fair value)
Industry Position: 0% at the Insurance median (#251 of 505)
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.
71GF Score
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