QBE Insurance Group Limited

OTC

QBIEY

Stock

Yield per half year: +17.79%
Dividend yield: 3.94%
Sector: Financials

Reporting QBE Insurance Group Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд $	13.66	11.35	41.57	7.83	9.3	9.9	12.26	14.66	14.84		14.33	12.19	9.80
Выручка, млрд $		11.84	12.66	12.58	12.49	11.96	13.2	19.21	21.68	18.75	18.75	16.96	9.41
Чистая прибыль, млрд $		0.844	-1.25	0.39	0.55	-1.54	0.75	0.5262	1.36	1.78	1.78	0.5752	-202.94
EV, млрд $		15.3	45.63	12.07	11.85	12.09	14.27	15.42	16.65	19.49	19.49	15.58	10.02
EBIT, млрд $		1.49	-0.3901	0.767	0.911	-1.23	1.15	0.0458	0.0517	2.52	2.52	0.5075	-215.42
EBITDA, млрд $		1.58	-0.9707	0.9834	1.12	-0.58	1.15	0.1538	0.1867	2.69	2.69	0.7201	-235.91
OIBDA, млрд $						1.87	-0.4104	-0.3872	3.59	3.11	3.11	1.55	10.71
Баланс стоимость, млрд $		10.28	8.86	8.38	8.15	8.49	8.88	8.92	9.93	10.73	10.73	9.39	4.79
FCF, млрд $		0.265	0.017	-0.543	1.67	1.12	2.63	0.713	1.34	2.34	2.34	1.63	15.88
Операционный денежный поток, млрд $		0.545	0.169	-0.443	1.78	1.23	0.056	0.878	1.54	2.58	2.58	1.26	15.97
Операционная прибыль, млрд $		1.25	0.371	0.975	1	-1.23	1.15	-0.0148	4.75	2.2	2.2	1.37	-212.33
Операционные расходы, млрд $		14.88	17.29	16.93	16.86	17.22	12.32	1.64	17.45	16.54	16.54	13.03	-0.80
CAPEX, млрд $		0.294	0.155	0.1	0.114	0.111	0.12	0.165	0.168	0.234	0.234	0.1596	16.09

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q2	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд $						8.2	7.93	10.62			11.26		9.98			12.75		12.85		12.25		15.16	14.82				13.57	3.05
Выручка, млрд $													8.9	8.82		9.76		9.76		8.1		10.18	11.5	10.86	11.86	6.03	10.09	-9.94
Чистая прибыль, млрд $																	0.0755	0.2143	0.3095	0.6406	0.2	0.375	0.955	0.802	0.9749	0.639	0.7492	11.25
EV, млрд $	14.09	18.46			39.91						15.55					15.16				15.41		17.97	16.66	19.41	19.54		17.80	4.86
EBIT, млрд $															0.205	0.205	0.1715	0.1715	0.4535	0.3765	0.415	0.555	1.22	21.7			4.85	124.98
EBITDA, млрд $																		-0.9806		0.423		-0.072	-0.244	21.71	1.36		4.64	26.31
OIBDA, млрд $																						0.18	10.3	31.77	1.78		11.01	77.33
Баланс стоимость, млрд $										8.15	8.15		11.03			8.88		12.33		8.99		9.01	9.93	10.18	10.73		9.77	3.60
FCF, млрд $												-0.21	1.86	1.01		2.71		0.5635		2.36		-0.935	2.42	1.2	1.34		1.28	-10.70
Операционный денежный поток, млрд $																0.982	0.2105	0.2105	1.19	2.47	-0.461	-0.922	2.43	1.21	1.36		0.7234	-224.16
Операционная прибыль, млрд $												-0.19	1.89	1.02		2.74		0.5857		0.4363		0.627	11.5	10.86	1.4		4.96	26.26
Операционные расходы, млрд $			2.96	2.64	2.63			2.86	2.86									12.45		2.31		9.48	10.19	0.467			6.98	-48.14
CAPEX, млрд $																0.01	0.008	0.008	0.0085	0.1068	0.0065	0.013	0.01	0.011	0.0159		0.0113	19.59

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2003	2004	2006	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $								0.847	0.572	0.863	0.547	0.766	4.88	0.8394	1.37	1.64	1.64	1.90	16.45
Short Term Investments $								7.1	6.17	1.27	4.99	7.2	10.19	0.2702	15.17	9.12	9.12	8.39	4.84
Long term investments $						16.31	20.12	24.14	25.19	26.95	27.2	26.38	18.13	16.33	17.36			21.08	-8.59
Total Receivables $								4.83	4.91	5.19	4.62	4.31	7.11	8.34	0.519	0.533	0.533	4.16	-34.17
Total Current Assets $								20.23	20.86	17.57	5.17	5.07	28.25	1.31	1.89	2.17	2.17	7.74	-15.61
Чистые активы, млрд $							0.263	0.257	0.276	17.57	5.17	5.07	28.25	0.427	9.17		9.17	9.62	12.14
Активы, млрд $								41.58	43.86	39.58	40.04	46.62	49.3	33.22	42.11	43.85	43.85	43.02	-1.22
Short Term Debt $				1.2	0.478	0.467	0.011	0.01	0.007		0.4268			0.406	0.406		0.406	0.2512	109.75
Long Term Debt $								4.79	4.63	4.52	4.42	3.84	3.27	2.34	2.8	2.66	2.66	2.98	-7.08
Задолженность, млрд $								31.25	34.96	31.18	31.88	38.13	40.42	24.3	32.16	33.12	33.12	33.63	-2.78
Чистый долг, млрд $								2.63	3.04	2.33	2.85	2.62	2.8	2.23	1.72	1.26	1.26	2.13	-13.62
Долг, млрд $								4.8	3.62	3.19	3.1	2.96	3.62	3.07	3.09	2.9	2.9	3.13	-0.41
Расходы на обслуживание долга $								0.294	0.305	0.257	0.252	0.253	0.245	0.2415	0.232	0.226	0.226	0.2395	-2.23
Чист. проц. доходы, млрд $								-0.4063	-0.391	-0.4321	-0.3668	-0.3272	-0.247	-0.245	-0.232			-0.2836	-8.75
Goodwill $						3.41	3.19	3.09	2.51	2.33	2.33	2.11	2.02	1.58	1.6			1.93	-7.24
Амортизация, млрд $								0.0000	0.0001	0.128	0.201	0.068	0.056	0.108	0.135	0.172	0.172	0.1078	20.39
Себестоимость, млрд $					15.02	11.02	11.63	10.34	11.68	11.13	11.57				-0.5227			8.84	-155.05
Товарно материальные запасы $	0.9084	0.9443	1.03									3.89	5.75	6.27				3.58	46.03

	2015Q4	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q2	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд $																1.36	0.99		1.02		1.13		1.16		0.833		0.767	1.36	1.45	1.64		1.21	14.51
Short Term Investments $													1.27	1.04	4.99		7.2				10.19		0.3592		11.32		0.3846	0.4329		9.12		4.32	90.96
Long term investments $										20.73	20.73	21.14	21.14	22.75	27.2		26.38				18.13				16.33			17.36				21.08	-8.59
Total Receivables $																				5	7.11	9.66	9.66	5.52	8.34	0.664	0.664	0.519		0.533		2.14	-42.31
Total Current Assets $																				15.42	7.93	22.06	22.06	18.83	9.17	15.94	0.767	1.91	1.45			5.85	-30.85
Чистые активы, млрд $																		0.507	0.507	15.42	7.93	22.06	22.06	0.427	0.427	0.428	0.428					4.75	-54.55
Активы, млрд $														40.04	40.04		60.53				49.3		73.97		49.5		40.55	34.79	42.63	43.85		42.26	-2.39
Short Term Debt $	0.011	3.47	0.01	3.5	3.5	2.83	0.007								0.4268										0.406			0.758				0.8856	-23.16
Long Term Debt $											3.19	3.08	3.08	3.1	4.42		3.84				3.27				2.34			2.8		2.66		2.98	-7.08
Задолженность, млрд $														31.88	31.88		49.51				40.42		3.99		40.51		2.96	24.86	32.45	33.12		26.78	-3.95
Чистый долг, млрд $											2.33				2.85		3.4				2.8		2.83		2.21		2.19	1.72	1.33	1.26		1.74	-10.63
Долг, млрд $					6.39	5.65	2.82								4.84						3.62				3.05		2.96	3.08	2.78	2.9		2.95	-1.00
Расходы на обслуживание долга $										0.0645	0.0645	0.0645	0.0645												0.1138		0.1101	0.1252	0.109	0.1167	0.111	0.1144	0.16
Goodwill $						1.96	2.51			2.33	2.33			2.33	2.33		2.74				2.02				1.58			1.6				2.05	-7.24
Амортизация, млрд $																							0.0001		0.0466		-0.627	-1.47	0.016		0.059	-0.3951	4.83
Себестоимость, млрд $							2.61	2.05	1.97			2.85	2.85										6.44		1.97		0.0546	-0.3398		11.86		4.00	12.99
Товарно материальные запасы $																	-1.51								9.22			1.28				3.00	-194.64

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.6	-0.92	0.29	0.41	-1.09	0.51	0.3525	0.9033	1.18		1.18	0.3712	-201.60
Цена акции ао		8.96	8.35	7.02	7.47	6.52	10.16	10.01	11.85	15.23	15.23	10.75	18.49
Число акций ао, млн	1399	1364	1364	1360	1325	1474	1493	1500	1514		1514	1461.20	2.70
FCF/акцию	0.1794	0.0031	-0.399	-0.086	-0.0781	-0.045	0.4776	0.89	1.55		1.55	0.5589	-281.78

	2016Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q4	2021Q1	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS							0.1405	0.37	0.26		0.12		0.4289		0.2503		0.6358	0.5315	0.6422	0.598		0.5316	19.03
Цена акции ао										8.45	8.63	8.16	8.2	9.52	10.12	10.05	9.88			13.89	15.23	11.83	8.52
Число акций ао, млн		1002.65	1002.65	1289.69	1305	1471			1476.51		1489		1493.85		1498		1500.81					1491.63	0.33
FCF/акцию	0.2853				1.25	0.8434			1.32		0.355		1.58		-0.6242		1.61	0.7959	0.8837			0.8491	-10.97

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %				8.12	-13.05	4.52	6.65	-18.16	8.63	5.92	14.38	17.22		17.22	20.08	5.60	-198.94
ROA, %				2.02	-2.92	0.93	1.38	-0.93	1.56	1.38	3.6	4.14		4.14	5.08	1.95	-234.80
ROIC, %		7.39	6.56	5.55	3.25	5.47	5.56	-11.36	8.52	8.07	15.59				7.36	5.28	22.90
ROS, %					2.29	5.47	5.62	-4.19	-4.19	2.74	6.25	9.49	9.49	9.49	30.06	4.76	-217.76
ROCE, %					-4.38	3.16	2.3	-4.36	4.11	0.1157	0.1215	5.74	23.46	5.74	11.82	6.71	41.68
Ebit margin, %							6.85	-12.54	6.86	0.2384	0.2384	13.43	13.43	13.43		6.84	14.38
Рентаб EBITDA, %					-5.98	5.52	6.27	-4.85	8.11	0.8007	0.8611	14.35	14.35	14.35	24.00	7.69	12.09
Чистая рентаб, %				7.13	-9.86	3.1	4.41	-5.37	5.54	2.74	6.25	9.49		9.49	30.06	3.73	-212.06
Operation Margin, %					2.29	5.47	5.62	-12.54	6.86	-0.077	21.93	11.75	11.75	11.75	26.93	10.44	11.36
Чистая процентная маржа, %	-1.56	4.96	5.28	7.13	-9.86	3.1	4.41	-12.87	5.68					5.68	23.20	-1.9080	-189.56
Доходность FCF, %		1.12	-0.9006	2.21	0.0337	-7.21	15.05	11.09	22.23	5.71	8.99					12.61	-9.79

	2014Q4	2015Q4	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q2	2019Q1	2019Q2	2019Q4	2020Q4	2021Q4	2022Q2	2022Q4	2023Q2	2023Q4	2024Q2	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %										2.77	1.15	-6.95	3.57	0.2702	14.64	8.3	15.49	10.02	11.31			20.08	11.95	-5.03
ROA, %										0.562	0.2333	-1.27	0.643	0.045	2.59	1.85	2.54	2.07	2.25			5.08	2.26	-2.78
ROIC, %				1.95	3.44	-4.28	-4.6				2.38				4.48	5.59	8.81	9.53	8.91			7.36	7.46	14.74
ROS, %									7.19	7.19				0.2477	7.91	3.68	8.31	7.39	8.22	10.59	9.49	30.06	8.80	2.69
ROCE, %									4.25	4.25		-0.136	0.7299	-1.4	1.04	1.55	3.24	49.17			23.46	11.82	15.69	86.49
Ebit margin, %															4.65	5.45	10.64	199.82			13.43		46.80	23.63
Рентаб EBITDA, %														-7.29	5.22	-0.7073	-2.12	199.96	11.45		14.35	24.00	44.59	-282.58
Чистая рентаб, %								6.04	7.19	7.19				0.2477	7.91	3.68	8.31	7.39	8.22	10.59		30.06	7.64	23.54
Operation Margin, %								8.76	11.07	11.07				7.65	5.39	6.16	100	100	11.78		11.75	26.93	45.94	13.79
Доходность FCF, %	1.04	1.02	3.48								14.45	12.44	15.29	4.11	19.29	-6.51	15.82						9.60	0.68

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	26.5	12.6	17.31	18.1	16.42	22.89	25.07	11.01	10.25		10.25	13.27	17.13	-8.99
P/BV	1.2	1.1	1.1	1.4	1.29	1.4	1.48	1.5	1.7		1.7	1.70	1.47	5.67
P/S	1	1	0.8	1	0.91	1	0.6868	0.6885	0.9729		0.9729	2.98	0.8516	1.35
P/FCF		106.85	-20.23	7.4	7.96	11.25	17.51	20.1	10.73	6.12	6.12	2.82	13.14	-11.46
E/P		-0.03	0.0498	0.0496	-0.1493	0.0633	0.0617	0.0913	0.0946	0.1241	0.1241	87.84	0.0870	14.41
EV/EBIT				17.35	-8.04	16.72	336.78	322.14	7.74	7.74	7.74		138.22	-14.28
EV/EBITDA	9.53	-15.46	13.08	14.83	-20.84	15.73	100.27	89.17	7.25		7.25	-132.47	38.32	-180.96
EV/S	1.29	3.6		1.23	1.01	1.15	0.8029	0.7679	1.04	1.04	1.04	1.52	0.9602	-1.99
EV/FCF	60.94	3259.18		9.22	10.58	5.75	21.63	12.47	8.33	8.33	8.33	1.51	11.30	7.69
Debt/EBITDA		-11.88	3.56	2.77	-5.09	3	19.95	16.54	1.08	1.08	1.08	-176.54	8.33	-18.48
Netdebt/Ebitda		-4.01	3.35	3.26	-1.6	-1.6	14.49	9.22	0.4675	0.4675	0.4675	208.99	4.61	-178.19
Debt/Ratio		0.8	0.79	0.8	0.82	0.82	0.0924	0.0733	0.066	0.066	0.066	0.12	0.2235	-39.58
Debt/Equity		3.95	3.72	3.91	4.49	4.49	0.3439	0.311	0.2698	3.09	0.2698	11.32	1.70	-7.20
Debt/Net Income	5.68	-3.71		8.81	-2.24	4.83	5.83	2.28	1.63	1.63	1.63	17.91	3.24	-19.53
PEG										6.28	6.28		6.28	0.00
Бета					1.13	1.13	0.82	0.1727	1.98	1.19	1.19	0.48	1.06	1.04
Индекс Альтмана		0.37	0.45	0.44	0.22	0.6477	0.6812	3.19	4.13	5.27	5.27	54.78	2.78	52.09

	2015Q4	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2019Q1	2019Q4	2020Q4	2021Q4	2022Q2	2022Q4	2023Q2	2023Q4	2024Q2	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E										120.52	-13.01	40.23	385.78	16.66	17.74	8.09	8.45	5.85	5.79		13.27	9.18	-20.06
P/BV									1.27	1.38	0.9047	1.39	1.04	1.47	0.4197	1.5	1.78	1.7			1.70	1.37	2.95
P/S							15.19	3.63	3.3				0.9554	0.8722	0.7832	0.4715	0.5534	0.4089	0.492		2.98	0.5418	-8.88
P/FCF	97.57		28.72							6.92	8.04	6.54	24.31	5.19	-15.35	6.32				6.12	2.82	5.32	-24.11
E/P								0.0166	0.0218	0.0083	-0.0769	0.0249	0.0026	0.0523	0.0264	0.0655				0.1241	87.84	0.0542	116.65
EV/EBIT														40.93	32.37	13.62	0.8947			7.74		19.11	-28.33
EV/EBITDA														-27.64	83.18	-595.07	0.9073	0.8589			-132.47	-107.5528	-149.94
EV/S		6.05	5	5.65			16.09							1.75	1.77	1.45	1.79	1.65		1.04	1.52	1.54	-10.09
EV/FCF			35.3							9.56				5.99	-19.21	6.9	16.16	14.57		8.33	1.51	5.35	-184.61
Debt/EBITDA														7.2	-41.1	-12.62	0.128	2.13		1.08	-176.54	-10.0764	-148.30
Netdebt/Ebitda													-2.89	5.23	-30.44	-7.04	0.0614	0.9256		0.4675	208.99	-7.2051	-143.38
Debt/Ratio					0.1389	0.1647	0.0644			0.121				0.0554	0.073	0.0885	0.0652	0.066		0.066	0.12	0.0717	-2.00
Debt/Equity					0.599	0.8156	0.3187			0.5942				0.3052	0.3286	0.3103	0.273	0.2698		3.09	11.32	0.8543	56.55
Debt/Net Income					37.04	-9.07	-4.54			51.87				4.28	7.89	3.23	3.47	2.97		1.63	17.91	3.84	-27.05
PEG																				6.28		6.28	0.00
Бета																			-0.4946	1.19	0.48	0.3477	-255.11
Индекс Альтмана													0.4418	0.6226	0.8104				5.27	5.27	54.78	2.48	64.18

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.216	0.359	0.494	0.237	0.459	0.265	0.162	0.315	0.441	0.674				0.3714	20.53
Дивиденд			0.39	0.42	0.18	0.37	0.06	0.08	0.199	0.406	0.5524	0.5524		0.2595	55.89
Див доход, ао, %			4.37	5.06	2.66	4.06	0.83	0.84	2.67	2.62	3.47	3.94	6.64	2.09	33.12
Дивиденды / прибыль, %			109.6	61.6	60.77	71	-17.54	21.5	59.86	32.55	37.89	37.89	49.72	26.85	-216.65

	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.081	0.104	0.104	0.0695	0.2042	0.147	0.294		0.191	0.433	0.2396		0.2609	10.26
Дивиденд	0.159	0.2001	0.169	0.179	0.0281	0.0797		0.142		0.0593		0.2026		0.0904					0.1148	2.55
Див доход, ао, %	2.06	2.43	2.02	2.17	0.4012	0.9509		1.68		0.7265		2.13		0.8987				6.64	1.28	-1.12
Дивиденды / прибыль, %							51.48	137.75	904.35	22.46	31.87	73.5	78.4		20	53.99	24.57	49.72	50.09	-19.68

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.8188	0.8912	0.8591	0.775	1.25	1.25	8.83
Персонал, чел		11 190	11 157	12 479	13 479		4.76

	2023Q2	2023Q4	2024Q2	2024Q4	CAGR 5
CAPEX/Выручка, %	0.1277	0.087	0.1013	0.1344	1.29

	CAGR 5