QBE Insurance Group Ltd (QBE) — Financial Flexibility Index
QBE Insurance Group Ltd (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). Also explore QBE net assets growth trend to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
QBE Insurance Group Ltd Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for QBE Insurance Group Ltd across 34 annual periods. Check strategic asset allocation of QBE Insurance Group Ltd to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for QBE Insurance Group Ltd (1991–2025)
Year-by-year free cash flow to debt coverage for QBE Insurance Group Ltd. For the full company profile including market capitalisation, see QBE Insurance Group Ltd (QBE) market capitalisation.
| 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 | ▲ +45.7% |
| 2021 | 0.08x | AU$2.87 Billion | AU$2.75 Billion | AU$34.38 Billion | ▲ +134.4% |
| 2020 | 0.04x | AU$1.36 Billion | AU$1.23 Billion | AU$38.13 Billion | ▼ -48.1% |
| 2019 | 0.07x | AU$1.89 Billion | AU$1.78 Billion | AU$27.59 Billion | ▲ +775.4% |
| 2018 | -0.01x | AU$-355.23 Million | AU$-458.79 Million | AU$34.94 Billion | ▼ -208.0% |
| 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 | ▲ +19.8% |
| 2011 | 0.06x | AU$2.31 Billion | AU$2.17 Billion | AU$36.83 Billion | ▲ +35.9% |
| 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 | ▲ +22.0% |
| 2005 | 0.08x | AU$1.51 Billion | AU$1.45 Billion | AU$17.92 Billion | ▼ -36.5% |
| 2004 | 0.13x | AU$2.14 Billion | AU$2.11 Billion | AU$16.09 Billion | ▼ -17.5% |
| 2003 | 0.16x | AU$2.12 Billion | AU$2.09 Billion | AU$13.11 Billion | ▲ +80.6% |
| 2002 | 0.09x | AU$867.21 Million | AU$837.82 Million | AU$9.71 Billion | ▲ +343.0% |
| 2001 | 0.02x | AU$177.18 Million | AU$145.49 Million | AU$8.79 Billion | ▼ -21.1% |
| 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 | — |