Insurance Australia Group Limited
Insurance Australia Group Limited underwrites general insurance products and provides investment management services in Australia and New Zealand. The company's short-tail insurance products include motor vehicle; home and contents; lifestyle and leisure, including boat, veteran and classic car, and caravan; business packages; farm; commercial motor; commercial property; fleet motor; construction… Read more
Insurance Australia Group Limited (NRM) - Net Assets
Latest net assets as of June 2025: €7.79 Billion EUR
Based on the latest financial reports, Insurance Australia Group Limited (NRM) has net assets worth €7.79 Billion EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€26.31 Billion) and total liabilities (€18.52 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €7.79 Billion |
| % of Total Assets | 29.59% |
| Annual Growth Rate | 0.99% |
| 5-Year Change | 18.76% |
| 10-Year Change | 14.75% |
| Growth Volatility | 4.76 |
Insurance Australia Group Limited - Net Assets Trend (2014–2025)
This chart illustrates how Insurance Australia Group Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Insurance Australia Group Limited (2014–2025)
The table below shows the annual net assets of Insurance Australia Group Limited from 2014 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | €7.79 Billion | +9.40% |
| 2024-06-30 | €7.12 Billion | +0.96% |
| 2023-06-30 | €7.05 Billion | +8.45% |
| 2022-06-30 | €6.50 Billion | -0.85% |
| 2021-06-30 | €6.56 Billion | +3.18% |
| 2020-06-30 | €6.35 Billion | -5.31% |
| 2019-06-30 | €6.71 Billion | -3.33% |
| 2018-06-30 | €6.94 Billion | +2.19% |
| 2017-06-30 | €6.79 Billion | +0.10% |
| 2016-06-30 | €6.79 Billion | -5.97% |
| 2015-06-30 | €7.22 Billion | +3.32% |
| 2014-06-30 | €6.98 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Insurance Australia Group Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 63400000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €483.00 Million | 6.59% |
| Other Components | €6.85 Billion | 93.41% |
| Total Equity | €7.33 Billion | 100.00% |
Insurance Australia Group Limited Competitors by Market Cap
The table below lists competitors of Insurance Australia Group Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Chubu Electric Power Company Incorporated
F:0C2
|
$10.00 Billion |
|
GAIL (INDIA) GDR/6 IR 10
F:GQI
|
$10.01 Billion |
|
Grab Holdings Ltd
NASDAQ:GRAB
|
$10.02 Billion |
|
Danone PK
OTCQX:DANOY
|
$10.03 Billion |
|
Uni-President Enterprises Corp
TW:1216
|
$9.98 Billion |
|
Donaldson Company Inc
NYSE:DCI
|
$9.98 Billion |
|
The J. M. Smucker Company
NYSE:SJM
|
$9.96 Billion |
|
AES Corp.
LSE:0H6G
|
$9.96 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Insurance Australia Group Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,660,000,000 to 7,329,000,000, a change of 669,000,000 (10.0%).
- Net income of 1,359,000,000 contributed positively to equity growth.
- Dividend payments of 862,000,000 reduced retained earnings.
- Share repurchases of 84,000,000 reduced equity.
- Other factors increased equity by 256,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.36 Billion | +18.54% |
| Dividends Paid | €862.00 Million | -11.76% |
| Share Repurchases | €84.00 Million | -1.15% |
| Other Changes | €256.00 Million | +3.49% |
| Total Change | €- | 10.05% |
Book Value vs Market Value Analysis
This analysis compares Insurance Australia Group Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.44x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.57x to 1.44x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-06-30 | €2.84 | €4.46 | x |
| 2018-06-30 | €2.89 | €4.46 | x |
| 2019-06-30 | €2.77 | €4.46 | x |
| 2020-06-30 | €2.63 | €4.46 | x |
| 2021-06-30 | €2.53 | €4.46 | x |
| 2022-06-30 | €2.50 | €4.46 | x |
| 2023-06-30 | €2.72 | €4.46 | x |
| 2024-06-30 | €2.81 | €4.46 | x |
| 2025-06-30 | €3.10 | €4.46 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Insurance Australia Group Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.54%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.12%
- • Asset Turnover: 0.57x
- • Equity Multiplier: 3.59x
- Recent ROE (18.54%) is above the historical average (11.22%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 18.77% | 13.00% | 0.32x | 4.53x | €576.20 Million |
| 2015 | 10.68% | 6.55% | 0.35x | 4.61x | €46.30 Million |
| 2016 | 9.52% | 6.89% | 0.30x | 4.58x | €-31.30 Million |
| 2017 | 14.16% | 9.40% | 0.33x | 4.51x | €272.80 Million |
| 2018 | 14.20% | 10.36% | 0.31x | 4.46x | €280.10 Million |
| 2019 | 16.80% | 11.87% | 0.31x | 4.57x | €435.60 Million |
| 2020 | 7.16% | 4.90% | 0.30x | 4.89x | €-172.70 Million |
| 2021 | -6.84% | -4.65% | 0.27x | 5.36x | €-1.05 Billion |
| 2022 | 5.63% | 3.91% | 0.26x | 5.53x | €-269.30 Million |
| 2023 | 12.51% | 8.15% | 0.29x | 5.27x | €167.00 Million |
| 2024 | 13.48% | 6.57% | 0.53x | 3.85x | €232.00 Million |
| 2025 | 18.54% | 9.12% | 0.57x | 3.59x | €626.10 Million |
Industry Comparison
This section compares Insurance Australia Group Limited's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $18,976,066,250
- Average return on equity (ROE) among peers: 6.97%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Insurance Australia Group Limited (NRM) | €7.79 Billion | 18.77% | 2.38x | $10.00 Billion |
| United Insurance Holdings Corp (0UI) | $241.33 Million | 2.36% | 3.14x | $219.79 Million |
| CNA FIN. DL 2,50 (CNH) | $11.97 Billion | 7.18% | 3.61x | $843.89 Million |
| Sunshine Insurance Group Company Limited (E57) | $63.41 Billion | 8.59% | 8.17x | $804.33 Million |
| United Overseas Insurance Limited (IZB) | $280.94 Million | 9.74% | 1.00x | $94.57 Million |