Cash flow Suncorp Group Limited

Stocks

SUN

AU000000SUN6

Property & Casualty Insurance

Market Closed - Australian S.E. Other stock markets 07:12:01 20/07/2026 BST			5-day change	1st Jan Change
19.15 ^AUD	+0.52%		+1.16%	+8.50%

07-16	Outlook for Australian General Insurers to Remain Driven by Moderating Premium Growth, Jefferies Says	MT
07-03	Australian Shares Rise; Australia's Federal Court Approves ASX's AU$20.5 Million Settlement in Misleading Disclosure Case	MT

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Published financial data: SUNCORP GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	10.44B	11.13B	12.1B	12.18B	13.54B
Total Interest And Dividend Income	2.12B	2.12B	3.57B	709M	807M
Gain (Loss) on Sale of Investments, Total (Rev)	230M	-1.18B	147M	10M	-
Other Revenues, Total	1.4B	2.92B	2.54B	110M	605M
Total Revenues	14.19B	14.99B	18.35B	13.01B	14.96B
Policy Benefits	7.52B	8.83B	9.74B	11.19B	11.92B
Policy Acquisition / Underwriting Costs, Total	2.28B	2.28B	2.25B	-	-
Depreciation & Amortization - (IS) - (Collected)	229M	207M	206M	236M	161M
Selling General & Admin Expenses, Total	-	-	-	190M	622M
Provision For Loan Losses - (Ins. / REIT / Utility Templates)	49M	14M	-17M	-	-
Stock-Based Compensation (IS)	4.59M	6.72M	7.84M	-	-
Other Operating Expenses	935M	1.1B	1.19B	-	-
Reinsurance Income Or Expense	-1.23B	-1.36B	-1.54B	-	-
Total Operating Expenses	12.14B	13.77B	14.94B	11.61B	12.7B
Operating Income	2.05B	1.22B	3.41B	1.4B	2.25B
Interest Expense, Total	-530M	-385M	-1.77B	-	-
EBT, Excl. Unusual Items	1.52B	837M	1.64B	1.4B	2.25B
Asset Writedown	-9M	-	-	-	-
EBT, Incl. Unusual Items	1.51B	837M	1.64B	1.4B	2.25B
Income Tax Expense	461M	138M	483M	429M	644M
Earnings From Continuing Operations	1.05B	699M	1.16B	971M	1.61B
Earnings Of Discontinued Operations	-	-	-	258M	263M
Net Income to Company	1.05B	699M	1.16B	1.23B	1.87B
Minority Interest	-15M	-18M	-11M	-32M	-50M
Net Income - (IS)	1.03B	681M	1.15B	1.2B	1.82B
Net Income to Common Incl Extra Items	1.03B	681M	1.15B	1.2B	1.82B
Net Income to Common Excl. Extra Items	1.03B	681M	1.15B	939M	1.56B
Per Share Items
Net EPS - Basic	0.95	0.63	1.07	1.11	1.69
Basic EPS - Continuing Operations	0.95	0.63	1.07	0.87	1.44
Basic Weighted Average Shares Outstanding	1.09B	1.08B	1.07B	1.08B	1.08B
Net EPS - Diluted	0.9	0.6	1.04	1.11	1.65
Diluted EPS - Continuing Operations	0.9	0.6	1.04	0.87	1.42
Diluted Weighted Average Shares Outstanding	1.17B	1.19B	1.16B	1.08B	1.15B
Normalized Basic EPS	0.86	0.47	0.94	0.78	1.26
Normalized Diluted EPS	0.79	0.42	0.88	0.78	1.18
Dividend Per Share	0.78	0.47	0.7	0.92	0.9
Payout Ratio	41.43	117.91	50.87	57.81	74.71
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	2.24B	1.4B	3.57B	1.56B	2.38B
EBITA	2.08B	1.25B	3.43B	1.42B	2.27B
EBIT	2.05B	1.22B	3.41B	1.4B	2.25B
EBITDAR	-	-	-	-	-
Total Revenues (As Reported)	14.19B	16.17B	18.35B	-	-
Effective Tax Rate - (Ratio)	30.55	16.49	29.42	30.64	28.57
Current Domestic Taxes	-	-	353M	-	-
Total Current Taxes	477M	358M	353M	506M	738M
Deferred Domestic Taxes	-	-	130M	-	-
Total Deferred Taxes	-16M	-220M	130M	33M	-26M
Normalized Net Income	934M	505M	1.02B	843M	1.36B
Interest on Long-Term Debt	77M	81M	131M	-	-
Non-Cash Pension Expense	22M	10M	22M	12M	-
Supplemental Operating Expense Items
Net Rental Expense, Total	-	-	-	-	-
Imputed Operating Lease Interest Expense	-	-	-	-	-
Imputed Operating Lease Depreciation	-	-	-	-	-
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	20.43M
Stock-Based Comp., Other (Total)	17.85M	29.12M	23.97M	21.38M	-
Total Stock-Based Compensation	17.85M	29.12M	23.97M	21.38M	20.43M

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	-	-	-	-	-
Investment In Equity and Preferred Securities, Total	1.37B	480M	575M	701M	930M
Trading Asset Securities, Total	1.88B	3.35B	2.76B	81M	118M
Mortgage Loans	46.06B	50.21B	54.8B	-	-
Total Other Investments	19.86B	20.48B	22.47B	17.45B	19.99B
Total investments	69.17B	74.52B	80.6B	18.23B	21.04B
Cash And Equivalents	2.62B	3.79B	5.56B	734M	1.36B
Reinsurance Recoverable - (IS)	3B	4.56B	4.04B	1.16B	1.28B
Other Receivables - (Insurance Template)	14.27B	14.86B	15.92B	187M	7M
Deferred Policy Acquisition Costs - (BS)	752M	796M	874M	-	-
Net Property Plant And Equipment	504M	712M	604M	484M	408M
Goodwill	4.72B	4.72B	4.72B	4.46B	4.4B
Other Intangibles, Total	531M	563M	585M	547M	469M
Restricted Cash	78M	120M	132M	-	-
Other Current Assets, Total	52M	112M	69M	85.17B	-
Deferred Tax Assets Long-Term (Collected)	288M	592M	488M	208M	318M
Other Long-Term Assets, Total	872M	1.04B	1.37B	539M	880M
Total Assets	96.86B	106B	115B	112B	30.16B
Liabilities
Accrued Expenses, Total	48M	16M	12M	10M	6M
Insurance And Annuity Liabilities	-	-	-	12.54B	12.98B
Unpaid Claims	10.79B	11.69B	11.65B	-	-
Unearned Premiums	5.57B	6.02B	6.77B	-	-
Reinsurance Payable - (BS)	802M	1.12B	1.15B	-	-
Current Portion of Long-Term Debt	1.75B	2.99B	5.8B	-	-
Current Portion of Leases	-	-	-	-	-
Short-Term Borrowings	5.88B	7.33B	8.5B	300M	-
Long-Term Debt	13.9B	14.12B	13.02B	2.52B	2.53B
Long-Term Leases	-	-	-	-	-
Current Income Taxes Payable	189M	-	-	131M	328M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	34.13B	47.66B	50.85B	79.69B	75M
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	121M	127M	144M	49M	113M
Other Non Current Liabilities	10.24B	2.51B	3.74B	2.58B	3.5B
Total Liabilities	83.41B	93.6B	102B	97.83B	19.54B
Common Stock, Total	12.57B	12.32B	12.37B	12.46B	8.64B
Retained Earnings	747M	532M	1.05B	1.46B	1.92B
Treasury Stock	-41M	-26M	-25M	-38M	-39M
Comprehensive Income and Other	147M	-74M	-78M	-42M	45M
Total Common Equity	13.42B	12.75B	13.31B	13.84B	10.58B
Minority Interest	24M	30M	33M	40M	51M
Total Equity	13.45B	12.78B	13.35B	13.88B	10.63B
Total Liabilities And Equity	96.86B	106B	115B	112B	30.16B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.09B	1.07B	1.08B	1.08B	1.08B
ECS Total Common Shares Outstanding	1.09B	1.07B	1.08B	1.08B	1.08B
Book Value / Share	12.32	11.87	12.35	12.78	9.77
Tangible Book Value	8.17B	7.47B	8.01B	8.84B	5.71B
Tangible Book Value Per Share	7.5	6.95	7.43	8.16	5.27
Tangible Book Value Per Share (As Reported)	7.52	6.99	7.47	-	5.33
Total Debt	21.53B	24.44B	27.32B	2.82B	2.53B
Net Debt	18.91B	20.65B	21.76B	2.09B	1.17B
Debt Equivalent Oper. Leases	-	-	-	-	-
Minority Interest, Total (Incl. Fin. Div)	24M	30M	33M	40M	51M
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	13.5K	13K	13K	10.5K	11.5K

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	1.03B	681M	1.15B	1.2B	1.82B
Depreciation, Depletion & Amortization	158M	144M	144M	145M	106M
Amortization of Goodwill and Intangible Assets - (CF)	34M	29M	18M	18M	16M
Total Depreciation, Depletion & Amortization	192M	173M	162M	163M	122M
Amortization of Deferred Charges, Total	37M	34M	44M	73M	39M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-354M
(Gain) Loss on Sale of Investments - (CF)	-	-	1M	-	-
Total Asset Writedown	196M	1.12B	-269M	5M	85M
Provision for Credit Losses	-49M	-14M	16M	13M	-
Change in Trading Asset Securities	-119M	-1.15B	505M	66M	-152M
Reinsurance Recoverable - (CF)	-	-	-	741M	-125M
Change In Deferred Taxes	13M	-459M	147M	164M	206M
Change in Other Net Operating Assets (Collected)	3.24B	1.95B	-1.16B	271M	1.63B
Net Cash From Discontinued Operations	-	-	-	-	-
Other Operating Activities	-199M	158M	148M	-196M	-728M
Cash from Operations	4.34B	2.48B	742M	2.5B	2.55B
Divestitures	-	139M	-	-	5.19B
Investment in Marketable and Equity Securities, Total	-1.57B	-2.14B	-974M	-4.27B	-3.12B
Other Investing Activities, Total	172M	-241M	-144M	-376M	-434M
Cash from Investing	-1.4B	-2.24B	-1.12B	-4.65B	1.63B
Long-Term Debt Issued, Total	9.75B	10.21B	21.21B	25.02B	1.02B
Total Debt Issued	9.75B	10.21B	21.21B	25.02B	1.02B
Long-Term Debt Repaid, Total	-10.9B	-8.01B	-18.51B	-24.65B	-2.2B
Total Debt Repaid	-10.9B	-8.01B	-18.51B	-24.65B	-2.2B
Repurchase of Common Stock	-	-250M	-	-	-
Common Dividends Paid	-428M	-803M	-584M	-692M	-1.36B
Common & Preferred Stock Dividends Paid	-428M	-803M	-584M	-692M	-1.36B
Special Dividend Paid	-	-103M	-	-	-
Other Financing Activities, Total	-99M	-140M	93M	-7M	-3.37B
Cash from Financing	-1.67B	903M	2.21B	-333M	-5.91B
Foreign Exchange Rate Adjustments	-1M	1M	-2M	8M	-3M
Net Change in Cash	1.27B	1.15B	1.83B	-2.48B	-1.74B
Supplemental Items
Cash Interest Paid	603M	339M	1.51B	2.84B	383M
Cash Income Tax Paid (Refund)	451M	589M	333M	360M	541M
Net Debt Issued / Repaid	-1.14B	2.2B	2.7B	366M	-1.18B
Levered Free Cash Flow	7.96B	4.5B	5.91B	-657M	7.35B
Unlevered Free Cash Flow	8.29B	4.74B	7.01B	-657M	7.35B
Change In Net Working Capital	-6.76B	-3.74B	-4.65B	1.79B	-5.76B

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.33	0.75	1.93	0.8	1.99
Return on Total Capital	3.6	2.12	5.47	3.04	9.53
Return On Equity %	7.99	5.33	8.87	7.13	13.14
Return on Common Equity	7.89	5.2	8.81	6.92	12.78
Margin Analysis
Gross Profit Margin %	31.33	25.98	34.6	14.03	20.31
SG&A Margin	-	-	-	1.46	4.16
EBITDA Margin %	15.79	9.31	19.47	12.01	15.89
EBITA Margin %	14.68	8.35	18.68	10.9	15.18
EBIT Margin %	14.44	8.15	18.58	10.76	15.07
Income From Continuing Operations Margin %	7.39	4.66	6.31	7.46	10.77
Net Income Margin %	7.28	4.54	6.25	9.2	12.19
Net Avail. For Common Margin %	7.28	4.54	6.25	7.22	10.43
Normalized Net Income Margin	6.58	3.37	5.53	6.48	9.09
Levered Free Cash Flow Margin	56.09	30.01	32.18	-5.05	49.13
Unlevered Free Cash Flow Margin	58.43	31.61	38.21	-5.05	49.13
Asset Turnover
Asset Turnover	0.15	0.15	0.17	0.12	0.21
Fixed Assets Turnover	26.27	24.65	27.89	23.92	33.53
Receivables Turnover (Average Receivables)	4.34	4.35	4.63	71.62	-
Short Term Liquidity
Current Ratio	0.18	0.2	0.19	1.09	6.77
Quick Ratio	0.13	0.13	0.14	0.01	3.63
Operating Cash Flow to Current Liabilities	0.07	0.03	0.01	0.03	6.23
Days Sales Outstanding (Average Receivables)	84.03	83.97	78.89	5.11	-
Average Days Payable Outstanding	430.4	401.33	389.43	-	-
Long Term Solvency
Total Debt/Equity	160.07	191.2	204.69	20.35	23.79
Total Debt / Total Capital	61.55	65.66	67.18	16.91	19.22
LT Debt/Equity	103.38	110.47	97.54	18.19	23.79
Long-Term Debt / Total Capital	39.75	37.94	32.01	15.11	19.22
Total Liabilities / Total Assets	86.12	87.98	88.39	87.57	64.77
EBIT / Interest Expense	3.86	3.17	1.93	-	-
EBITDA / Interest Expense	4.23	3.62	2.02	-	-
(EBITDA - Capex) / Interest Expense	4.23	3.62	2.02	-	-
Total Debt / EBITDA	9.61	17.52	7.65	1.81	1.06
Net Debt / EBITDA	8.44	14.81	6.09	1.34	0.49
Total Debt / (EBITDA - Capex)	9.61	17.52	7.65	1.81	1.06
Net Debt / (EBITDA - Capex)	8.44	14.81	6.09	1.34	0.49
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-3.94	5.66	22.44	15.54	14.93
Gross Profit, 1 Yr. Growth %	-1.57	26.59	63.07	30.8	65.87
EBITDA, 1 Yr. Growth %	-0.75	-37.72	156.13	34.74	52.02
EBITA, 1 Yr. Growth %	-0.86	-39.91	174.1	39.43	60.08
EBIT, 1 Yr. Growth %	-0.58	-40.33	179.13	40	61
Earnings From Cont. Operations, 1 Yr. Growth %	62.23	-33.3	65.81	38.12	65.81
Net Income, 1 Yr. Growth %	13.14	-34.08	68.58	11.76	52.3
Normalized Net Income, 1 Yr. Growth %	44.96	-45.9	100.99	37.3	61.18
Diluted EPS Before Extra, 1 Yr. Growth %	61.79	-33.32	72.53	35.11	63.85
Net Property, Plant and Equip., 1 Yr. Growth %	-12.5	41.27	-15.17	-19.87	-15.7
Accounts Receivable, 1 Yr. Growth %	2.31	8.55	13.43	0	-
Total Assets, 1 Yr. Growth %	1.16	9.83	8.09	3.4	-73
Common Equity, 1 Yr. Growth %	5.18	-5	4.4	4.09	-23.61
Tangible Book Value, 1 Yr. Growth %	9.09	-8.54	7.19	10.39	-35.39
Cash From Operations, 1 Yr. Growth %	27.76	-42.79	-70.14	185.37	2.12
Levered Free Cash Flow, 1 Yr. Growth %	13.81	-71.66	31.04	-98.89	-1.23K
Unlevered Free Cash Flow, 1 Yr. Growth %	8.83	-70.76	47.68	-98.89	-1.23K
Dividend Per Share, 1 Yr. Growth %	83.33	-39.39	50	30	-1.8
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-4.51	0.75	13.74	-6.83	15.24
Gross Profit, 2 Yr. CAGR %	-9.16	-7.14	43.68	-31.52	47.5
EBITDA, 2 Yr. CAGR %	-15.06	-21.38	26.3	5.85	43.12
EBITA, 2 Yr. CAGR %	-17.46	-22.82	28.33	6.47	49.4
EBIT, 2 Yr. CAGR %	-17.46	-22.98	29.06	7.04	50.13
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.22	4.02	5.16	17.86	51.33
Net Income, 2 Yr. CAGR %	142.96	-13.64	5.42	32.58	30.47
Normalized Net Income, 2 Yr. CAGR %	-0.43	-11.44	4.27	29.19	48.76
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.13	3.87	7.26	20.12	48.5
Net Property, Plant and Equip., 2 Yr. CAGR %	55.66	11.18	9.47	-17.55	-17.81
Accounts Receivable, 2 Yr. CAGR %	2.14	5.39	10.96	-76.18	-
Total Assets, 2 Yr. CAGR %	0.32	5.41	8.96	2.48	-47.16
Common Equity, 2 Yr. CAGR %	1.18	-0.04	-0.41	4.19	-10.83
Tangible Book Value, 2 Yr. CAGR %	3.32	-0.11	-0.99	8.76	-15.55
Cash From Operations, 2 Yr. CAGR %	53.57	-14.51	-58.67	0.24	70.71
Levered Free Cash Flow, 2 Yr. CAGR %	53.18	-19.79	-39	-61.83	-64.8
Unlevered Free Cash Flow, 2 Yr. CAGR %	38.7	-21.12	-34.22	-62.81	-64.8
Dividend Per Share, 2 Yr. CAGR %	-4.32	5.41	-4.65	39.64	12.99
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-0.01	-1.24	7.51	-2.84	-0.08
Gross Profit, 3 Yr. CAGR %	-5.67	-10.25	12.03	-15.96	-7.95
EBITDA, 3 Yr. CAGR %	-8.72	-23.41	16.55	-11.3	19.42
EBITA, 3 Yr. CAGR %	-10.41	-25.75	17.76	-12.02	21.97
EBIT, 3 Yr. CAGR %	-10.34	-25.92	18.31	-11.91	22.64
Earnings From Cont. Operations, 3 Yr. CAGR %	2.65	-13.34	21.51	-2.51	32.06
Net Income, 3 Yr. CAGR %	-0.83	57.29	7.93	5.03	38.85
Normalized Net Income, 3 Yr. CAGR %	2.48	-18.75	16.38	-3.35	39.07
Diluted EPS Before Extra, 3 Yr. CAGR %	0.75	-14.47	23.01	-1.28	33.05
Net Property, Plant and Equip., 3 Yr. CAGR %	33.67	50.71	1.59	-1.34	-16.94
Accounts Receivable, 3 Yr. CAGR %	3.09	4.23	8	-60.51	-
Total Assets, 3 Yr. CAGR %	-0.84	3.4	6.29	4.87	-34.3
Common Equity, 3 Yr. CAGR %	-1.3	-0.92	1.42	1.03	-6.05
Tangible Book Value, 3 Yr. CAGR %	-0.29	-0.8	2.26	2.66	-8.57
Cash From Operations, 3 Yr. CAGR %	32.23	10.5	-39.79	-16.85	0.86
Levered Free Cash Flow, 3 Yr. CAGR %	43.15	9.87	-5.46	-65.42	17.68
Unlevered Free Cash Flow, 3 Yr. CAGR %	31.96	3.22	-2.71	-65.65	15.66
Dividend Per Share, 3 Yr. CAGR %	-4.25	-17.83	18.56	5.73	24.18
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-1.53	-2.93	5.28	-3.51	0.25
Gross Profit, 5 Yr. CAGR %	-3.79	-7	3.7	-19.46	-7.63
EBITDA, 5 Yr. CAGR %	-7.09	-15.21	3.94	-12.83	1.03
EBITA, 5 Yr. CAGR %	-8	-16.64	3.44	-14.24	1.57
EBIT, 5 Yr. CAGR %	-7.92	-16.72	3.72	-14.17	1.82
Earnings From Cont. Operations, 5 Yr. CAGR %	0.06	-8.42	3.65	-2	20.04
Net Income, 5 Yr. CAGR %	-0.1	-8.73	1.63	46.9	14.83
Normalized Net Income, 5 Yr. CAGR %	-0.02	-12.68	3.19	-2.19	16.1
Diluted EPS Before Extra, 5 Yr. CAGR %	-1.25	-9.6	3.31	-2.02	20.5
Net Property, Plant and Equip., 5 Yr. CAGR %	22.46	28.91	23.41	18.4	-6.66
Accounts Receivable, 5 Yr. CAGR %	3	3.9	6.17	-42.25	-
Total Assets, 5 Yr. CAGR %	0.23	1.84	2.97	3.03	-20.63
Common Equity, 5 Yr. CAGR %	-0.2	-1.54	-0.95	1.09	-3.69
Tangible Book Value, 5 Yr. CAGR %	1.23	-1.26	-0.57	2.92	-5.28
Cash From Operations, 5 Yr. CAGR %	9.72	66.36	-16.96	6.27	-5.59
Levered Free Cash Flow, 5 Yr. CAGR %	17.72	15.33	16.84	-27.99	1
Unlevered Free Cash Flow, 5 Yr. CAGR %	12.93	8.82	14.22	-31.36	-0.72
Dividend Per Share, 5 Yr. CAGR %	-1.18	-11.86	-4.41	1.59	16.3