QBE Insurance Group Ltd (QBE) — Free Cash Flow Generation Index
QBE Insurance Group Ltd (QBE) has a Free Cash Flow Generation Index of 0.99x as of December 2025. Free cash flow of AU$2.44 Billion represents 1% of operating cash flow (AU$2.45 Billion). See QBE working capital ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
QBE Insurance Group Ltd Free Cash Flow Generation Index (1991–2025)
Historical FCF Generation Index trend for QBE Insurance Group Ltd across 32 annual periods. Explore cash flow to debt ratio of QBE Insurance Group Ltd to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for QBE Insurance Group Ltd (1991–2025)
Year-by-year Free Cash Flow Generation Index for QBE Insurance Group Ltd. For the full company profile including market capitalisation, see QBE market cap overview.
| Year | FCG Index | Free Cash Flow (AUD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.99x | AU$4.35 Billion | AU$4.37 Billion | AU$22.77 Million | ▲ +9.4% |
| 2024 | 0.91x | AU$2.34 Billion | AU$2.58 Billion | AU$234.00 Million | ▲ +2.4% |
| 2023 | 0.89x | AU$1.33 Billion | AU$1.50 Billion | AU$168.00 Million | ▼ -5.7% |
| 2022 | 0.94x | AU$2.63 Billion | AU$2.79 Billion | AU$162.66 Million | ▲ +2.0% |
| 2021 | 0.92x | AU$2.54 Billion | AU$2.75 Billion | AU$115.88 Million | ▼ -8.9% |
| 2020 | 1.01x | AU$1.25 Billion | AU$1.23 Billion | AU$123.65 Million | ▲ +7.0% |
| 2019 | 0.95x | AU$1.69 Billion | AU$1.78 Billion | AU$115.37 Million | ▲ +858.3% |
| 2017 | 0.10x | AU$17.08 Million | AU$172.84 Million | AU$155.75 Million | ▼ -78.5% |
| 2016 | 0.46x | AU$256.70 Million | AU$559.00 Million | AU$284.79 Million | ▼ -41.5% |
| 2014 | 0.79x | AU$260.63 Million | AU$332.00 Million | AU$71.37 Million | ▼ -6.0% |
| 2013 | 0.84x | AU$712.43 Million | AU$852.90 Million | AU$140.48 Million | ▼ -9.5% |
| 2012 | 0.92x | AU$2.54 Billion | AU$2.75 Billion | AU$298.02 Million | ▼ -1.2% |
| 2011 | 0.93x | AU$2.03 Billion | AU$2.17 Billion | AU$142.06 Million | ▲ +1.5% |
| 2010 | 0.92x | AU$1.25 Billion | AU$1.36 Billion | AU$131.17 Million | ▼ -4.5% |
| 2009 | 0.96x | AU$1.65 Billion | AU$1.71 Billion | AU$62.00 Million | ▼ -0.5% |
| 2008 | 0.97x | AU$1.54 Billion | AU$1.59 Billion | AU$50.25 Million | ▲ +0.2% |
| 2007 | 0.97x | AU$2.01 Billion | AU$2.08 Billion | AU$70.21 Million | ▲ +25.6% |
| 2006 | 0.77x | AU$1.57 Billion | AU$2.04 Billion | AU$48.65 Million | ▼ -19.8% |
| 2005 | 0.96x | AU$1.39 Billion | AU$1.45 Billion | AU$59.98 Million | ▲ +6923.6% |
| 2004 | -0.01x | AU$-29.65 Million | AU$2.11 Billion | AU$29.65 Million | ▼ -101.9% |
| 2003 | 0.75x | AU$1.57 Billion | AU$2.09 Billion | AU$26.06 Million | ▼ -22.2% |
| 2002 | 0.96x | AU$808.44 Million | AU$837.82 Million | AU$29.39 Million | ▲ +23.4% |
| 2001 | 0.78x | AU$113.79 Million | AU$145.49 Million | AU$31.70 Million | ▼ -3.8% |
| 1999 | 0.81x | AU$74.04 Million | AU$91.06 Million | AU$17.02 Million | ▼ -10.5% |
| 1998 | 0.91x | AU$162.79 Million | AU$179.29 Million | AU$16.49 Million | ▼ -2.2% |
| 1997 | 0.93x | AU$191.34 Million | AU$206.15 Million | AU$14.81 Million | ▼ -2.4% |
| 1996 | 0.95x | AU$220.94 Million | AU$232.40 Million | AU$11.46 Million | ▲ +2.0% |
| 1995 | 0.93x | AU$139.58 Million | AU$149.82 Million | AU$10.24 Million | ▼ -1.6% |
| 1994 | 0.95x | AU$158.00 Million | AU$166.88 Million | AU$8.88 Million | ▲ +28.9% |
| 1993 | 0.73x | AU$44.49 Million | AU$60.56 Million | AU$16.07 Million | ▼ -17.5% |
| 1992 | 0.89x | AU$50.82 Million | AU$57.09 Million | AU$6.27 Million | ▼ -10.2% |
| 1991 | 0.99x | AU$72.97 Million | AU$73.61 Million | AU$647.74K | — |