Insurance Australia Group Limited
$27.75-1.1%1Y-0.2%
Mentions · last 7 days
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Price updated 2h ago·X counts updated 3h ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $IAUGY, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $IAUGY.
Insurance - Property & Casualty
Catastrophe losses remain the primary risk factor; climate-driven severity trends are pushing reinsurance pricing higher, which eventually filters into primary premiums. Rate hardening is allowing combined ratios to recover from loss-elevated troughs.
What this means for $IAUGY
Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Insurance Australia Group Limited (IAG) is a leading financial services firm pri.
Top industry ETF
$KIESPDR S&P Insurance ETF
+7.7%YTD
+7.7%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
17.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
4.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
10.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
5.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
1.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
14.8%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
86.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Aug 12, 2026$0.77$0.81-5.2%
Q4 2025Feb 11, 2026$0.75$0.70+7.7%
Q2 2025Aug 13, 2025$0.80$0.71+13.9%
Q4 2024Feb 13, 2025$0.90$0.76+18.5%
Next earningsFri, Feb 12·consensus EPS $0.81
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$9.5B+70.3%100%8.4%$1.05$0
Q4 FY25$8.9B+92.1%71.9%11.7%$1.25$1.0B
Q2 FY25$8.7B+99.2%100%99.6%$1.65$324.0M
Q4 FY24$5.6B+55.1%144%143%$1.00$417.0M
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$12.9B$12.7B – $13.5B$1.58$1.54 – $1.664
FY27$13.5B$13.3B – $14.1B$1.69$1.65 – $1.784
FY28$14.1B$13.8B – $14.6B$1.77$1.72 – $1.861
FY29$15.1B$14.8B – $15.7B$1.80$1.76 – $1.902
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.71%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-2.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+4.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatHigh float · 436.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β-0.015-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
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Voices on X · last 7 days
No standout posts about $IAUGY on X in the last 7 days.