QBE Insurance Group Limited (QBE) Ratios
QBE Insurance Group Limited Ratios
DE:QBE's free cash flow for Q2 2026 was $1.01B. For the 2026 fiscal year, DE:QBE's free cash flow was decreased by $-23.66M and operating cash flow was $1.04B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 0.00 | -0.28 | -0.21 | 0.38 |
| Quick Ratio | 0.00 | 0.00 | -0.47 | -1.19 | 0.65 |
| Cash Ratio | 0.00 | 0.00 | -0.20 | -0.13 | 0.04 |
| Solvency Ratio | 0.06 | 0.06 | 0.05 | 0.03 | 0.02 |
| Operating Cash Flow Ratio | 0.00 | 0.00 | -0.22 | -0.44 | 0.13 |
| Short-Term Operating Cash Flow Coverage | 4.78 | 0.00 | 0.00 | 6.88 | 0.00 |
| Net Current Asset Value | $ -26.99B | $ -30.94B | $ -30.27B | $ -22.99B | $ -26.42B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.07 | 0.07 | 0.09 | 0.08 |
| Debt-to-Equity Ratio | 0.35 | 0.27 | 0.31 | 0.34 | 0.41 |
| Debt-to-Capital Ratio | 0.26 | 0.21 | 0.24 | 0.26 | 0.29 |
| Long-Term Debt-to-Capital Ratio | 0.21 | 0.20 | 0.22 | 0.21 | 0.27 |
| Financial Leverage Ratio | 4.21 | 4.09 | 4.24 | 3.75 | 4.88 |
| Debt Service Coverage Ratio | 2.30 | 9.67 | 7.46 | 1.83 | 4.29 |
| Interest Coverage Ratio | 11.20 | 100.47 | 8.92 | 4.75 | 54.63 |
| Debt to Market Cap | 0.13 | 0.09 | 0.19 | 0.20 | 0.27 |
| Interest Debt Per Share | 2.90 | 2.00 | 2.23 | 2.22 | 2.62 |
| Net Debt to EBITDA | 0.66 | 0.47 | 0.78 | 1.73 | 2.30 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 29.51% | 125.26% | 45.38% | 43.00% |
| EBIT Margin | 12.85% | 13.43% | 11.86% | 8.69% | 8.57% |
| EBITDA Margin | 13.66% | 14.35% | 12.63% | 9.49% | 8.99% |
| Operating Profit Margin | 11.80% | 121.14% | 11.86% | 8.69% | 99.73% |
| Pretax Profit Margin | 11.80% | 12.22% | 10.53% | 5.04% | 6.75% |
| Net Profit Margin | 8.94% | 9.49% | 7.77% | 4.38% | 5.54% |
| Continuous Operations Profit Margin | 8.98% | 9.53% | 7.82% | 4.44% | 5.59% |
| Net Income Per EBT | 75.82% | 77.65% | 73.76% | 86.83% | 82.15% |
| EBT Per EBIT | 100.00% | 10.09% | 88.79% | 58.08% | 6.77% |
| Return on Assets (ROA) | 4.54% | 4.06% | 3.22% | 1.77% | 1.73% |
| Return on Equity (ROE) | 19.11% | 16.58% | 13.65% | 6.63% | 8.47% |
| Return on Capital Employed (ROCE) | 5.99% | 51.79% | 4.24% | 2.94% | 60.72% |
| Return on Invested Capital (ROIC) | 4.47% | 39.65% | 2.29% | 2.56% | 50.34% |
| Return on Tangible Assets | 4.74% | 4.25% | 3.39% | 1.98% | 1.93% |
| Earnings Yield | 7.44% | 5.95% | 9.00% | 4.33% | 6.17% |
| Efficiency Ratios | |||||
| Receivables Turnover | 2.89 | 35.17 | 33.61 | 1.61 | 1.90 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 3.43 | -1.17 | -1.28 |
| Fixed Asset Turnover | 88.13 | 64.86 | 45.55 | 31.14 | 28.10 |
| Asset Turnover | 0.51 | 0.43 | 0.41 | 0.40 | 0.31 |
| Working Capital Turnover Ratio | 3.93 | -1.54 | 2.15 | -4.97 | -1.03 |
| Cash Conversion Cycle | 126.45 | 10.38 | 117.17 | -85.46 | -92.39 |
| Days of Sales Outstanding | 126.45 | 10.38 | 10.86 | 227.20 | 191.78 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 106.31 | -312.66 | -284.17 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 126.45 | 10.38 | 117.17 | -85.46 | -92.39 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.90 | 1.65 | 1.01 | 1.88 | 1.80 |
| Free Cash Flow Per Share | 2.88 | 1.50 | 0.90 | 1.77 | 1.73 |
| Dividend Paid and CapEx Coverage Ratio | 5.09 | 2.59 | 2.47 | 5.85 | 9.57 |
| Capital Expenditure Coverage Ratio | 191.95 | 11.00 | 8.95 | 17.17 | 22.95 |
| Operating Cash Flow Coverage Ratio | 1.06 | 0.89 | 0.49 | 0.92 | 0.74 |
| Operating Cash Flow to Sales Ratio | 0.18 | 0.14 | 0.09 | 0.21 | 0.20 |
| Free Cash Flow Yield | 14.48% | 7.83% | 8.87% | 19.39% | 20.91% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.62 | 17.78 | 11.11 | 23.11 | 16.22 |
| Price-to-Sales (P/S) Ratio | 1.20 | 1.60 | 0.86 | 1.01 | 0.90 |
| Price-to-Book (P/B) Ratio | 2.57 | 2.79 | 1.52 | 1.53 | 1.37 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.90 | 12.77 | 11.27 | 5.16 | 4.78 |
| Price-to-Operating Cash Flow Ratio | 6.87 | 11.61 | 10.01 | 4.86 | 4.57 |
| Price-to-Earnings Growth (PEG) Ratio | 0.49 | 0.78 | 0.08 | -0.99 | -0.11 |
| Enterprise Value Multiple | 9.46 | 11.59 | 7.61 | 12.40 | 12.30 |
| Enterprise Value | 32.25B | 31.16B | 16.77B | 15.77B | 14.96B |
| EV to EBITDA | 9.46 | 11.59 | 7.61 | 12.40 | 12.30 |
| EV to Sales | 1.29 | 1.66 | 0.96 | 1.18 | 1.11 |
| EV to Free Cash Flow | 7.42 | 13.31 | 12.56 | 6.00 | 5.88 |
| EV to Operating Cash Flow | 7.38 | 12.10 | 11.16 | 5.65 | 5.62 |
| Tangible Book Value Per Share | 6.35 | 5.63 | 5.26 | 3.58 | 2.99 |
| Shareholders’ Equity Per Share | 7.74 | 6.89 | 6.66 | 5.98 | 6.01 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.22 | 0.26 | 0.12 | 0.17 |
| Revenue Per Share | 16.54 | 12.04 | 11.71 | 9.04 | 9.18 |
| Net Income Per Share | 1.48 | 1.14 | 0.91 | 0.40 | 0.51 |
| Tax Burden | 0.76 | 0.78 | 0.74 | 0.87 | 0.82 |
| Interest Burden | 0.92 | 0.91 | 0.89 | 0.58 | 0.79 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 1.04 | 1.13 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.96 | 0.95 | 1.11 | 4.76 | 3.55 |
Currency in USD
