Insurance Australia Group (ASX:IAG) LT-Debt-to-Total-Asset: 0.12 (As of Dec. 2025)


ASX:IAG Insurance Australia Group Ltd ASX:IAG
78 GF Score
Price A$8.04
GF Value A$7.33
Valuation Fairly Valued
! 8 Warning Signs
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What is Insurance Australia Group LT-Debt-to-Total-Asset?

Insurance Australia Group ASX:IAG -0.62% 78 LT-Debt-to-Total-Asset is 0.12 as of Dec. 2025. GuruFocus rates ASX:IAG with a GF Score™ of 78/100 and a GF Value™ of A$7.33 (Fairly Valued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Insurance Australia Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.12.

Insurance Australia Group's long-term debt to total assets ratio increased from Dec. 2024 (0.12) to Dec. 2025 (0.12). It may suggest that Insurance Australia Group is progressively becoming more dependent on debt to grow their business.

Insurance Australia Group  (ASX:IAG) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Insurance Australia Group LT-Debt-to-Total-Asset Related Terms

Insurance Australia Group LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Insurance Australia Group's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Insurance Australia Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.08 0.07 0.07 0.11 0.11

Insurance Australia Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.12 0.11 0.12 0.11 0.12
ASX:IAG
78GF Score
Insurance Australia Group Ltd ASX:IAG
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Insurance Australia Group LT-Debt-to-Total-Asset Calculation

Insurance Australia Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )/Total Assets (A: Jun. 2025 )
=2876/26309
=0.11

Insurance Australia Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=3259/27646
=0.12

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.12 mean?
Insurance Australia Group (ASX:IAG) has a LT-Debt-to-Total-Asset of 0.12 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Insurance Australia Group and its competitors.
Is Insurance Australia Group's LT-Debt-to-Total-Asset too high?
Insurance Australia Group's current LT-Debt-to-Total-Asset is 0.12. Overall, Insurance Australia Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's LT-Debt-to-Total-Asset compare to CB and PGR?
Insurance Australia Group's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Insurance Australia Group and its competitors. Insurance Australia Group's current LT-Debt-to-Total-Asset is 0.12. 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$7.33, compared to a current price of A$8.04 — trading 9.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. Insurance Australia Group's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Insurance Australia Group (ASX:IAG), the current LT-Debt-to-Total-Asset is 0.12 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 (ASX:IAG) Overvalued in 2026?

Based on GuruFocus' analysis, Insurance Australia Group stock appears to be overvalued. The current stock price of A$8.04 is trading 9.7% above its estimated GF Value™ of A$7.33. GuruFocus considers Insurance Australia Group to be Fairly Valued.

Key valuation signals for ASX:IAG:

  • LT-Debt-to-Total-Asset: 0.12
  • GF Value™: A$7.33 vs. price of A$8.04 (9.7% above fair value)
  • GF Score™: 78/100 with 8 warning signs

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 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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$8.04
Price
A$7.33
GF Value