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QBE Insurance Group Limited QBIEY

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Price alert · QBIEY

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18.50 USD +0.56 (+3.12%)

Nov 6, 2026, 10:25 AM EST

18.28 Day range 18.50
12.46 52-week range 18.79
YTD
+39.20%
1 year
+43.63%

Financial health

Altman Z-Score

1.75 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 3
  • P/B 1

Valuation

P/E 9.4×
FY 2016: 14.5×FY 2017: -9.1×FY 2018: 16.7×FY 2019: 21.1×FY 2020: -6.0×FY 2021: 16.3×FY 2022: 24.9×FY 2023: 11.1×FY 2024: 10.4×FY 2025: 9.4×
FY 2016 5y median 11.1× FY 2025
P/S 0.8×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.6×FY 2023: 0.7×FY 2024: 1.0×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 1.7×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.5× FY 2025
P/FCF 4.8×
FY 2016: 47.8×FY 2017: 667×FY 2018: -16.8×FY 2019: 7.1×FY 2020: 7.3×FY 2021: 4.8×FY 2022: 5.1×FY 2023: 11.2×FY 2024: 7.7×FY 2025: 4.8×
FY 2016 5y median 5.1× FY 2025
EV/EBITDA 6.8×
FY 2016: 10.0×FY 2017: -40.1×FY 2018: 11.0×FY 2019: 13.1×FY 2020: -12.1×FY 2021: 11.4×FY 2022: 14.1×FY 2023: 7.4×FY 2024: 7.1×FY 2025: 6.8×
FY 2016 5y median 7.4× FY 2025
EV/Sales 0.9×
FY 2016: 1.3×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
FCF Yield 21.0%
FY 2016: 2.1%FY 2017: 0.1%FY 2018: -5.9%FY 2019: 14.1%FY 2020: 13.7%FY 2021: 20.7%FY 2022: 19.8%FY 2023: 8.9%FY 2024: 13.0%FY 2025: 21.0%
FY 2016 5y median 19.8% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 48.9%FY 2017: 30.4%FY 2018: 39.1%FY 2019: 32.7%FY 2020: 100.0%FY 2021: 40.0%FY 2022: 59.6%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 100.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 11.8%
FY 2016: 98.3%FY 2017: 95.5%FY 2018: 96.6%FY 2019: 101.0%FY 2020: -12.4%FY 2021: 6.5%FY 2022: 4.8%FY 2023: 7.9%FY 2024: 11.8%FY 2025: 11.8%
FY 2016 5y median 7.9% FY 2025
Net Margin 8.9%
FY 2016: 7.1%FY 2017: -9.9%FY 2018: 3.1%FY 2019: 4.4%FY 2020: -12.7%FY 2021: 5.4%FY 2022: 2.8%FY 2023: 6.3%FY 2024: 9.5%FY 2025: 8.9%
FY 2016 5y median 6.3% FY 2025
ROE 18.5%
FY 2016: 8.2%FY 2017: -14.1%FY 2018: 4.2%FY 2019: 6.7%FY 2020: -20.1%FY 2021: 8.5%FY 2022: 6.6%FY 2023: 13.6%FY 2024: 16.6%FY 2025: 18.5%
FY 2016 5y median 13.6% FY 2025
ROIC 4.3%
FY 2016: 22.2%FY 2017: 62.4%FY 2018: 58.6%FY 2019: 55.3%FY 2020: -7.0%FY 2021: 3.3%FY 2022: 2.2%FY 2023: 3.9%FY 2024: 11.8%FY 2025: 4.3%
FY 2016 5y median 3.9% FY 2025
ROA 4.4%
FY 2016: 2.0%FY 2017: -2.9%FY 2018: 0.9%FY 2019: 1.5%FY 2020: -3.7%FY 2021: 1.7%FY 2022: 1.8%FY 2023: 3.2%FY 2024: 4.1%FY 2025: 4.4%
FY 2016 5y median 3.2% FY 2025

Growth (YoY)

Revenue 28.8%
FY 2016: -9.0%FY 2017: 7.0%FY 2018: -0.7%FY 2019: -0.7%FY 2020: -4.4%FY 2021: 16.4%FY 2022: 48.4%FY 2023: 5.1%FY 2024: -13.5%FY 2025: 28.8%
FY 2016 FY 2025
Operating Income 29.3%
FY 2016: -10.1%FY 2017: 4.0%FY 2018: 0.5%FY 2019: 3.7%FY 2020: -111.8%FY 2021: 161.4%FY 2022: 8.6%FY 2023: 73.4%FY 2024: 28.6%FY 2025: 29.3%
FY 2016 FY 2025
EPS (diluted) 22.8%
FY 2016: 22.0%FY 2017: -250.8%FY 2018: 145.7%FY 2019: 2.4%FY 2020: -348.8%FY 2021: 147.7%FY 2022: -29.4%FY 2023: 150.0%FY 2024: 26.7%FY 2025: 22.8%
FY 2016 FY 2025
Free Cash Flow 79.6%
FY 2016: 277.4%FY 2017: -93.3%FY 2018: -3392.0%FY 2019: 399.6%FY 2020: -25.8%FY 2021: 103.3%FY 2022: 3.4%FY 2023: -49.2%FY 2024: 75.4%FY 2025: 79.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 1316×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: -0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 1316×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.7×FY 2022: -1.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.7×
FY 2016: 1.8×FY 2017: -8.5×FY 2018: 2.1×FY 2019: 2.5×FY 2020: -3.4×FY 2021: 2.1×FY 2022: 2.0×FY 2023: 0.8×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
Interest Coverage 11.2×
FY 2016: 39.6×FY 2017: 39.6×FY 2018: 39.8×FY 2019: 49.1×FY 2020: -5.9×FY 2021: 3.7×FY 2022: 4.0×FY 2023: 7.4×FY 2024: 9.7×FY 2025: 11.2×
FY 2016 5y median 7.4× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 4.0%FY 2017: 4.7%FY 2018: 2.5%FY 2019: 3.8%FY 2020: 2.9%FY 2021: 1.3%FY 2022: 2.4%FY 2023: 2.9%FY 2024: 3.8%FY 2025: 4.0%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 37.4%
FY 2016: 58.5%FY 2017: -43.0%FY 2018: 60.8%FY 2019: 83.5%FY 2020: -17.5%FY 2021: 21.6%FY 2022: 53.7%FY 2023: 32.5%FY 2024: 37.9%FY 2025: 37.4%
FY 2016 5y median 37.4% FY 2025

Annual · latest fiscal year ends 2025-12-31