QBE Insurance Group Limited (QBE) — Cash Flow-to-Debt Ratio
QBE Insurance Group Limited (QBE) has a Cash Flow-to-Debt Ratio of 0.07x as of December 2025, meaning its operating cash flow of AU$2.45 Billion could theoretically repay 0% of its total liabilities (AU$37.51 Billion) in one year. For the full cash flow conversion analysis, see QBE Insurance Group Limited cash conversion from operations.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
QBE Insurance Group Limited Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for QBE Insurance Group Limited across 34 annual periods. See QBE cash flow after capex ratio to measure how efficiently the company converts operating cash flow to free cash.
Annual Cash Flow-to-Debt Ratio for QBE Insurance Group Limited (1991–2025)
Year-by-year debt coverage analysis for QBE Insurance Group Limited. Check QBE Insurance Group Limited (QBE) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (AUD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.12x | AU$4.37 Billion | AU$37.51 Billion | ▲ +49.8% |
| 2024 | 0.08x | AU$2.58 Billion | AU$33.12 Billion | ▲ +66.4% |
| 2023 | 0.05x | AU$1.50 Billion | AU$32.16 Billion | ▼ -59.3% |
| 2022 | 0.11x | AU$2.79 Billion | AU$24.30 Billion | ▲ +43.4% |
| 2021 | 0.08x | AU$2.75 Billion | AU$34.38 Billion | ▲ +147.5% |
| 2020 | 0.03x | AU$1.23 Billion | AU$38.13 Billion | ▼ -49.8% |
| 2019 | 0.06x | AU$1.78 Billion | AU$27.59 Billion | ▲ +553.9% |
| 2018 | -0.01x | AU$-443.00 Million | AU$31.18 Billion | ▼ -387.1% |
| 2017 | 0.00x | AU$172.84 Million | AU$34.92 Billion | ▼ -71.9% |
| 2016 | 0.02x | AU$559.00 Million | AU$31.77 Billion | ▲ +3657.0% |
| 2015 | 0.00x | AU$-16.00 Million | AU$32.35 Billion | ▼ -104.3% |
| 2014 | 0.01x | AU$332.00 Million | AU$29.17 Billion | ▼ -50.6% |
| 2013 | 0.02x | AU$852.90 Million | AU$36.99 Billion | ▼ -66.0% |
| 2012 | 0.07x | AU$2.75 Billion | AU$40.57 Billion | ▲ +16.8% |
| 2011 | 0.06x | AU$2.14 Billion | AU$36.83 Billion | ▲ +37.9% |
| 2010 | 0.04x | AU$1.36 Billion | AU$32.33 Billion | ▼ -32.3% |
| 2009 | 0.06x | AU$1.71 Billion | AU$27.55 Billion | ▲ +2.7% |
| 2008 | 0.06x | AU$1.59 Billion | AU$26.28 Billion | ▼ -20.7% |
| 2007 | 0.08x | AU$2.08 Billion | AU$27.27 Billion | ▼ -24.1% |
| 2006 | 0.10x | AU$2.04 Billion | AU$20.26 Billion | ▲ +69.7% |
| 2005 | 0.06x | AU$1.45 Billion | AU$24.51 Billion | ▼ -54.8% |
| 2004 | 0.13x | AU$2.11 Billion | AU$16.09 Billion | ▲ +7.4% |
| 2003 | 0.12x | AU$2.09 Billion | AU$17.11 Billion | ▲ +41.5% |
| 2002 | 0.09x | AU$837.82 Million | AU$9.71 Billion | ▲ +430.5% |
| 2001 | 0.02x | AU$142.93 Million | AU$8.79 Billion | ▼ -24.5% |
| 1999 | 0.02x | AU$91.06 Million | AU$4.23 Billion | ▼ -57.4% |
| 1998 | 0.05x | AU$179.29 Million | AU$3.55 Billion | ▼ -21.4% |
| 1997 | 0.06x | AU$206.15 Million | AU$3.21 Billion | ▼ -10.7% |
| 1996 | 0.07x | AU$232.40 Million | AU$3.23 Billion | ▲ +6.8% |
| 1995 | 0.07x | AU$149.82 Million | AU$2.22 Billion | ▼ -20.7% |
| 1994 | 0.09x | AU$166.88 Million | AU$1.96 Billion | ▲ +149.8% |
| 1993 | 0.03x | AU$60.56 Million | AU$1.78 Billion | ▼ -12.7% |
| 1992 | 0.04x | AU$57.09 Million | AU$1.46 Billion | ▼ -10.0% |
| 1991 | 0.04x | AU$73.61 Million | AU$1.70 Billion | — |