QBE Insurance Group Limited (QBE) — Cash Flow Quality Index

Latest as of December 2025: 2.12x

QBE Insurance Group Limited (QBE) has a Cash Flow Quality Index of 2.12x as of December 2025. Operating cash flow of AU$2.45 Billion exceeds net income of AU$1.16 Billion, indicating high earnings quality where cash backs reported profits. For the full cash flow conversion analysis, see QBE Insurance Group Limited (QBE) cash conversion ratio.

Cash Flow Quality Index

2.12x
Operating CF / Net Income

Operating Cash Flow

AU$2.45 Billion
AUD

Net Income

AU$1.16 Billion
AUD

Data as of

Dec 2025
Most recent filing

QBE Insurance Group Limited Cash Flow Quality Index (2001–2025)

Historical Cash Flow Quality Index for QBE Insurance Group Limited across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore QBE debt coverage from operations to assess how comfortably operating cash covers total debt obligations.

Annual Cash Flow Quality Index for QBE Insurance Group Limited (2001–2025)

Year-by-year earnings quality comparison for QBE Insurance Group Limited. Explore QBE Insurance Group Limited capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.

Year Quality Index Operating CF (AUD) Net Income YoY Change
2025 1.96x AU$4.37 Billion AU$2.23 Billion ▲ +105.1%
2024 0.95x AU$2.58 Billion AU$2.70 Billion ▼ -13.9%
2023 1.11x AU$1.50 Billion AU$1.35 Billion ▼ -76.7%
2022 4.76x AU$2.79 Billion AU$587.00 Million ▲ +29.5%
2021 3.67x AU$2.75 Billion AU$750.00 Million ▼ -80.5%
2019 18.82x AU$1.78 Billion AU$94.53 Million ▲ +2594.7%
2018 -0.75x AU$-443.00 Million AU$587.21 Million ▼ -178.1%
2016 0.97x AU$559.00 Million AU$579.00 Million ▲ +4245.4%
2015 -0.02x AU$-16.00 Million AU$687.00 Million ▼ -105.2%
2014 0.45x AU$332.00 Million AU$742.00 Million ▼ -87.2%
2012 3.51x AU$2.75 Billion AU$784.75 Million ▲ +17.2%
2011 2.99x AU$2.14 Billion AU$714.37 Million ▲ +185.7%
2010 1.05x AU$1.36 Billion AU$1.30 Billion ▲ +8.2%
2009 0.97x AU$1.71 Billion AU$1.77 Billion ▼ -20.0%
2008 1.21x AU$1.59 Billion AU$1.32 Billion ▲ +11.9%
2007 1.08x AU$2.08 Billion AU$1.93 Billion ▼ -20.4%
2006 1.36x AU$2.04 Billion AU$1.50 Billion ▲ +2.1%
2005 1.33x AU$1.45 Billion AU$1.09 Billion ▼ -45.9%
2004 2.46x AU$2.11 Billion AU$857.00 Million ▼ -99.8%
2002 1493.85x AU$837.82 Million AU$560.85K ▲ +32.9%
2001 1124.29x AU$142.93 Million AU$127.12K —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.