QBE Insurance Group Limited (QBE) — Financial Flexibility Index
QBE Insurance Group Limited (QBE) has a Financial Flexibility Index of 0.07x as of December 2025. Free cash flow of AU$2.47 Billion (operating CF AU$2.45 Billion minus capex AU$12.94 Million) represents 0% of total liabilities (AU$37.51 Billion). For the full cash flow conversion analysis, see QBE cash generation efficiency.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
QBE Insurance Group Limited Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for QBE Insurance Group Limited across 34 annual periods. Check tangible equity quality of QBE Insurance Group Limited to evaluate the tangible quality of the company's equity base.
Annual Financial Flexibility Index for QBE Insurance Group Limited (1991–2025)
Year-by-year free cash flow to debt coverage for QBE Insurance Group Limited. Check cash flow reinvestment rate of QBE Insurance Group Limited to assess the company's total reinvestment commitment from operating cash flow.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.12x | AU$4.39 Billion | AU$4.37 Billion | AU$37.51 Billion | ▲ +38.1% |
| 2024 | 0.08x | AU$2.81 Billion | AU$2.58 Billion | AU$33.12 Billion | ▲ +63.2% |
| 2023 | 0.05x | AU$1.67 Billion | AU$1.50 Billion | AU$32.16 Billion | ▼ -57.3% |
| 2022 | 0.12x | AU$2.95 Billion | AU$2.79 Billion | AU$24.30 Billion | ▲ +45.5% |
| 2021 | 0.08x | AU$2.87 Billion | AU$2.75 Billion | AU$34.38 Billion | ▲ +150.2% |
| 2020 | 0.03x | AU$1.27 Billion | AU$1.23 Billion | AU$38.13 Billion | ▼ -51.3% |
| 2019 | 0.07x | AU$1.89 Billion | AU$1.78 Billion | AU$27.59 Billion | ▲ +730.7% |
| 2018 | -0.01x | AU$-339.44 Million | AU$-443.00 Million | AU$31.18 Billion | ▼ -215.7% |
| 2017 | 0.01x | AU$328.59 Million | AU$172.84 Million | AU$34.92 Billion | ▼ -64.6% |
| 2016 | 0.03x | AU$843.79 Million | AU$559.00 Million | AU$31.77 Billion | ▲ +659.1% |
| 2015 | 0.00x | AU$113.17 Million | AU$-16.00 Million | AU$32.35 Billion | ▼ -74.7% |
| 2014 | 0.01x | AU$403.37 Million | AU$332.00 Million | AU$29.17 Billion | ▼ -48.5% |
| 2013 | 0.03x | AU$993.38 Million | AU$852.90 Million | AU$36.99 Billion | ▼ -64.3% |
| 2012 | 0.08x | AU$3.05 Billion | AU$2.75 Billion | AU$40.57 Billion | ▲ +21.4% |
| 2011 | 0.06x | AU$2.28 Billion | AU$2.14 Billion | AU$36.83 Billion | ▲ +34.1% |
| 2010 | 0.05x | AU$1.49 Billion | AU$1.36 Billion | AU$32.33 Billion | ▼ -28.4% |
| 2009 | 0.06x | AU$1.78 Billion | AU$1.71 Billion | AU$27.55 Billion | ▲ +3.1% |
| 2008 | 0.06x | AU$1.64 Billion | AU$1.59 Billion | AU$26.28 Billion | ▼ -20.8% |
| 2007 | 0.08x | AU$2.15 Billion | AU$2.08 Billion | AU$27.27 Billion | ▼ -23.3% |
| 2006 | 0.10x | AU$2.09 Billion | AU$2.04 Billion | AU$20.26 Billion | ▲ +66.8% |
| 2005 | 0.06x | AU$1.51 Billion | AU$1.45 Billion | AU$24.51 Billion | ▼ -53.7% |
| 2004 | 0.13x | AU$2.15 Billion | AU$2.11 Billion | AU$16.09 Billion | ▲ +8.0% |
| 2003 | 0.12x | AU$2.12 Billion | AU$2.09 Billion | AU$17.11 Billion | ▲ +38.4% |
| 2002 | 0.09x | AU$867.21 Million | AU$837.82 Million | AU$9.71 Billion | ▲ +349.5% |
| 2001 | 0.02x | AU$174.62 Million | AU$142.93 Million | AU$8.79 Billion | ▼ -22.3% |
| 1999 | 0.03x | AU$108.08 Million | AU$91.06 Million | AU$4.23 Billion | ▼ -53.7% |
| 1998 | 0.06x | AU$195.78 Million | AU$179.29 Million | AU$3.55 Billion | ▼ -19.9% |
| 1997 | 0.07x | AU$220.96 Million | AU$206.15 Million | AU$3.21 Billion | ▼ -8.8% |
| 1996 | 0.08x | AU$243.85 Million | AU$232.40 Million | AU$3.23 Billion | ▲ +4.9% |
| 1995 | 0.07x | AU$160.06 Million | AU$149.82 Million | AU$2.22 Billion | ▼ -19.6% |
| 1994 | 0.09x | AU$175.76 Million | AU$166.88 Million | AU$1.96 Billion | ▲ +107.9% |
| 1993 | 0.04x | AU$76.63 Million | AU$60.56 Million | AU$1.78 Billion | ▼ -0.5% |
| 1992 | 0.04x | AU$63.37 Million | AU$57.09 Million | AU$1.46 Billion | ▼ -1.0% |
| 1991 | 0.04x | AU$74.26 Million | AU$73.61 Million | AU$1.70 Billion | — |