Insurance Australia Group (HAM:NRM) FFO

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

HAM:NRM Insurance Australia Group Ltd HAM:NRM
78 GF Score
Price €4.88
GF Value €4.37
! 6 Warning Signs
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What is Insurance Australia Group FFO?

FFO (Funds from operations) only applies to REITs.

HAM:NRM
78GF Score
Insurance Australia Group Ltd HAM:NRM
FFO is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Insurance Australia Group (HAM:NRM) Overvalued in 2026?

Based on GuruFocus' analysis, Insurance Australia Group stock appears to be overvalued. The current stock price of €4.88 is trading 11.7% above its estimated GF Value™ of €4.37.

Key valuation signals for HAM:NRM:

  • FFO:
  • GF Value™: €4.37 vs. price of €4.88 (11.7% above fair value)
  • GF Score™: 78/100 with 6 warning signs

No single metric tells the full story. See the HAM:NRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Insurance Australia Group Business Description

Address Darling Park, 201 Sussex Street, Level 13, Tower Two, Level 9, Sydney, NSW, AUS, 2000
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.
78GF Score

Get the complete analysis for HAM:NRM

FFO is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.88
Price
€4.37
GF Value