Insurance Australia GroupIAUGY +0.45%80 FCF Margin % is 0.39% as of Dec. 2025, which is 94% below its 10-year median of 6.47. GuruFocus rates IAUGY with a GF Score™ of 80/100 and a GF Value™ of $27.38 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Insurance Australia Group ranks worse than 57.09% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Insurance Australia Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Insurance Australia Group's FCF Margin % falls into.
* 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 (IAUGY) has a FCF Margin % of 0.39% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Insurance Australia Group and its competitors. This is 94% below median its historical median of 6.47. According to the industry distribution chart, Insurance Australia Group ranks #286 out of 501 companies in the Insurance industry, placing it in the top 57.1%.
Is Insurance Australia Group's FCF Margin % too high?
Insurance Australia Group's current FCF Margin % of 0.39% is 94% below median its 10-year median of 6.47. The Insurance industry median FCF Margin % is 9.60. Insurance Australia Group's value of 0.39% is 95.9% below this industry median. Based on the distribution chart, Insurance Australia Group ranks #286 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, Insurance Australia Group has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #286 out of 501 companies for FCF Margin %. This places Insurance Australia Group in the lower half of its industry. The industry median FCF Margin % is 9.60. Insurance Australia Group's value of 0.39% is 95.9% below this benchmark. While the company's 10-year median is 6.47 vs. the industry median of 9.60, Insurance Australia Group has consistently been below 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Insurance Australia Group's current FCF Margin % of 0.39% is 95.9% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Insurance Australia Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Insurance Australia Group's current FCF Margin % is 0.39%, which is 94% below median its own 10-year median of 6.47. 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 (IAUGY) is currently considered Fairly Valued. The stock's GF Value™ is $27.38, compared to a current price of $28.38 — trading 3.6% above its estimated fair value. The current FCF Margin % is 0.39%, which is 94% below median its 10-year median of 6.47 and 95.9% below the Insurance industry median of 9.60. Insurance Australia Group's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Insurance Australia Group (IAUGY), the current FCF Margin % is 0.39% as of Dec. 2025. 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 (IAUGY) Overvalued in 2026?
Based on GuruFocus' analysis, Insurance Australia Group stock appears to be overvalued.
The current stock price of $28.38 is trading 3.6% above its estimated GF Value™ of $27.38.
GuruFocus considers Insurance Australia Group to be Fairly Valued.
Key valuation signals for IAUGY:
FCF Margin %: 0.39% (94% below median its 10-year median of 6.47)
GF Value™: $27.38 vs. price of $28.38 (3.6% above fair value)
Industry Position: 95.9% below the Insurance median (#286 of 501)
No single metric tells the full story. See the IAUGY 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.
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