AUB GroupASX:AUB +0.07%85 ROE % is 4.36% as of Dec. 2025, which is 63% below its 10-year median of 11.69. GuruFocus rates ASX:AUB with a GF Score™ of 85/100 and a GF Value™ of A$49.04 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 504 Insurance companies, AUB Group ranks better than 50.79% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. AUB Group's annualized net income for the quarter that ended in Dec. 2025 was A$71 Mil. AUB Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$1,617 Mil. Therefore, AUB Group's annualized ROE % for the quarter that ended in Dec. 2025 was 4.36%.
The historical rank and industry rank for AUB Group's ROE % or its related term are showing as below:
ASX:AUB'
s ROE % Range Over the Past 10 Years
Min: 6.11 Med: 11.69 Max: 15.68
Current: 11.9
During the past 13 years, AUB Group's highest ROE % was 15.68%. The lowest was 6.11%. And the median was 11.69%.
ASX:AUB's ROE % is ranked better than 50.79% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs ASX:AUB: 11.90
AUB Group (ASX:AUB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
AUB Group ROE % Related Terms
AUB Group ROE % Historical Data
* Premium members only.
The historical data trend for AUB Group's ROE % 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.
For the Insurance Brokers subindustry, AUB Group's ROE %, along with its competitors' market caps and ROE % 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.
AUB Group ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, AUB Group's ROE % distribution charts can be found below:
* The bar in red indicates where AUB Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
AUB Group (ASX:AUB) has a ROE % of 4.36% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AUB Group and its competitors. This is 63% below median its historical median of 11.69. Over the past decade, AUB Group's ROE % has ranged from 6.11 to 15.68. According to the industry distribution chart, AUB Group ranks #248 out of 504 companies in the Insurance industry, placing it in the top 49.2%.
Is AUB Group's ROE % too high?
AUB Group's current ROE % of 4.36% is 63% below median its 10-year median of 11.69. Over the past 10 years, this metric has ranged from a low of 6.11 to a high of 15.68. The Insurance industry median ROE % is 11.68. AUB Group's value of 4.36% is 62.7% below this industry median. Based on the distribution chart, AUB Group ranks #248 out of 504 companies in the Insurance industry, which is above the industry midpoint. Overall, AUB Group has a GF Score™ of 85/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AUB Group's ROE % compare to MRSH and AON?
According to the Insurance industry distribution chart, AUB Group ranks #248 out of 504 companies for ROE %. This puts AUB Group in the upper half of its industry. The industry median ROE % is 11.68. AUB Group's value of 4.36% is 62.7% below this benchmark. Historically, AUB Group's own ROE % has ranged from 6.11 to 15.68 over the past decade. While the company's 10-year median is 11.69 vs. the industry median of 11.68, AUB 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AUB Group's current ROE % of 4.36% is 62.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AUB Group and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AUB Group's current ROE % is 4.36%, which is 63% below median its own 10-year median of 11.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AUB Group stock overvalued right now?
Based on GuruFocus' analysis, AUB Group (ASX:AUB) is currently considered Possible Value Trap. The stock's GF Value™ is A$49.04, compared to a current price of A$28.06 — trading 42.8% below its estimated fair value. The current ROE % is 4.36%, which is 63% below median its 10-year median of 11.69 and 62.7% below the Insurance industry median of 11.68. AUB Group's overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For AUB Group (ASX:AUB), the current ROE % is 4.36% 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 AUB Group (ASX:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, AUB Group stock appears to be undervalued.
The current stock price of A$28.06 is trading 42.8% below its estimated GF Value™ of A$49.04.
GuruFocus considers AUB Group to be Possible Value Trap.
Key valuation signals for ASX:AUB:
ROE %: 4.36% (63% below median its 10-year median of 11.69)
GF Value™: A$49.04 vs. price of A$28.06 (42.8% below fair value)
Industry Position: 62.7% below the Insurance median (#248 of 504)
No single metric tells the full story. See the ASX:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AUB Group is the second-largest general insurance broker network in Australia and New Zealand. It has an ownership in brokerage businesses that collectively write over AUD 5 billion in premiums. It also owns equity stakes in 35 underwriting agencies. AUB derives revenue from commissions (from insurers, ultimately paid for by AUB's customers), based on gross written premium from agencies it owns, and a share of profits from associates and joint ventures. GWP is split among personal (3%), small to medium enterprises (70%), and corporates (27%).
85GF Score
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