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). Check QBE capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
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. See how liquid is QBE Insurance Group Limited's working capital to evaluate short-term liquidity relative to 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. For the full company profile including market capitalisation, see market cap of QBE Insurance Group Limited.
| 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 | — |