25 XP 0   0   10  
0coffee
Main menu
3rd party ad coffee SUPPORTERis ad-free.

AUB Group Ltd
Buy, Hold or Sell?

Let's analyze AUB Group Ltd together

I guess you are interested in AUB Group Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of AUB Group Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

Get notifications about AUB Group Ltd

I send you an email if I find something interesting about AUB Group Ltd.

1. Quick Overview

1.1. Quick analysis of AUB Group Ltd (30 sec.)










1.2. What can you expect buying and holding a share of AUB Group Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$1.58
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$15.00
Expected worth in 1 year
A$23.10
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$10.58
Return On Investment
37.5%

For what price can you sell your share?

Current Price per Share
A$28.21
Expected price per share
A$26.49 - A$32.29
How sure are you?
50%
3rd party ad coffee SUPPORTERis ad-free.

2. Detailed Analysis

2.1. Valuation of AUB Group Ltd (5 min.)




Live pricePrice per Share (EOD)
A$28.21
Intrinsic Value Per Share
A$1.18 - A$10.81
Total Value Per Share
A$16.19 - A$25.81

2.2. Growth of AUB Group Ltd (5 min.)




Is AUB Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$1.1b$961.5m$149.8m13.5%

How much money is AUB Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$87m$41.4m$45.6m52.4%
Net Profit Margin13.1%7.9%--

How much money comes from the company's main activities?

2.3. Financial Health of AUB Group Ltd (5 min.)




2.4. Comparing to competitors in the Insurance Brokers industry (5 min.)




  Industry Rankings (Insurance Brokers)  

3rd party ad coffee SUPPORTERis ad-free.

3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of AUB Group Ltd?

Welcome investor! AUB Group Ltd's management wants to use your money to grow the business. In return you get a share of AUB Group Ltd.

First you should know what it really means to hold a share of AUB Group Ltd. And how you can make/lose money.

Speculation

The Price per Share of AUB Group Ltd is A$28.21. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of AUB Group Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in AUB Group Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$15.00. Based on the TTM, the Book Value Change Per Share is A$2.02 per quarter. Based on the YOY, the Book Value Change Per Share is A$4.42 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.62 per quarter.
Based on historical numbers we can estimate the returns while holding a share of AUB Group Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.752.6%0.752.6%0.361.3%0.441.5%0.331.2%
Usd Book Value Change Per Share1.294.6%1.294.6%2.8110.0%1.384.9%0.812.9%
Usd Dividend Per Share0.401.4%0.401.4%0.471.7%0.331.2%0.240.9%
Usd Total Gains Per Share1.686.0%1.686.0%3.2811.6%1.716.1%1.053.7%
Usd Price Per Share20.14-20.14-18.68-14.64-10.78-
Price to Earnings Ratio26.95-26.95-52.53-35.37-33.53-
Price-to-Total Gains Ratio11.98-11.98-5.69-16.83-21.43-
Price to Book Ratio2.11-2.11-2.26-2.83-3.17-
Price-to-Total Gains Ratio11.98-11.98-5.69-16.83-21.43-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share17.924634
Number of shares55
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.400.33
Usd Book Value Change Per Share1.291.38
Usd Total Gains Per Share1.681.71
Gains per Quarter (55 shares)92.4794.17
Gains per Year (55 shares)369.89376.68
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
18728336073304367
2174566730146607744
326184811002199111121
43481131147029312141498
54361414184036615181875
65231697221043918212252
76101979258051221252629
86972262295058524283006
97842545332065827323383
108712828369073130353760

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%19.01.00.095.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.01.095.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
3rd party ad coffee SUPPORTERis ad-free.

3.2. Key Performance Indicators

The key performance indicators of AUB Group Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.0232.0230%4.423-54%2.171-7%1.269+59%
Book Value Per Share--15.00315.0030%12.981+16%9.176+64%6.174+143%
Current Ratio--1.1741.1740%1.112+6%1.214-3%1.197-2%
Debt To Asset Ratio--0.5680.5680%0.610-7%0.514+11%0.514+11%
Debt To Equity Ratio--1.5211.5210%1.853-18%1.301+17%1.297+17%
Dividend Per Share--0.6230.6230%0.741-16%0.523+19%0.382+63%
Enterprise Value--2682066030.0002682066030.0000%2255232800.000+19%2128257424.920+26%1590254992.190+69%
Eps--1.1761.1760%0.560+110%0.688+71%0.520+126%
Ev To Ebitda Ratio--12.20812.2080%9.327+31%18.243-33%20.959-42%
Ev To Sales Ratio--2.5542.5540%2.729-6%4.612-45%4.329-41%
Free Cash Flow Per Share--0.6480.6480%1.728-62%0.979-34%0.682-5%
Free Cash Flow To Equity Per Share--1.4141.4140%6.005-76%2.155-34%1.233+15%
Gross Profit Margin--0.7240.7240%0.543+33%0.768-6%0.818-12%
Intrinsic Value_10Y_max--10.806--------
Intrinsic Value_10Y_min--1.185--------
Intrinsic Value_1Y_max--1.067--------
Intrinsic Value_1Y_min--0.546--------
Intrinsic Value_3Y_max--3.217--------
Intrinsic Value_3Y_min--1.279--------
Intrinsic Value_5Y_max--5.383--------
Intrinsic Value_5Y_min--1.613--------
Market Cap3288919270.000-12%3694642030.0003694642030.0000%3427657800.000+8%2685367024.920+38%1977941592.190+87%
Net Profit Margin--0.1310.1310%0.079+65%0.165-21%0.162-19%
Operating Margin--0.1320.1320%0.220-40%0.185-28%0.170-22%
Operating Ratio--0.6530.6530%0.780-16%0.772-15%0.760-14%
Pb Ratio1.880-12%2.1122.1120%2.265-7%2.831-25%3.167-33%
Pe Ratio23.994-12%26.95426.9540%52.529-49%35.369-24%33.528-20%
Price Per Share28.210-12%31.69031.6900%29.400+8%23.033+38%16.965+87%
Price To Free Cash Flow Ratio43.504-12%48.87048.8700%17.012+187%25.984+88%29.087+68%
Price To Total Gains Ratio10.661-12%11.97611.9760%5.693+110%16.828-29%21.432-44%
Quick Ratio--1.1181.1180%1.095+2%1.199-7%1.187-6%
Return On Assets--0.0340.0340%0.017+102%0.042-19%0.048-29%
Return On Equity--0.0910.0910%0.051+78%0.099-8%0.116-22%
Total Gains Per Share--2.6462.6460%5.164-49%2.695-2%1.651+60%
Usd Book Value--1111448669.4001111448669.4000%961594027.200+16%679745963.880+64%457356535.740+143%
Usd Book Value Change Per Share--1.2851.2850%2.811-54%1.380-7%0.806+59%
Usd Book Value Per Share--9.5339.5330%8.248+16%5.830+64%3.923+143%
Usd Dividend Per Share--0.3960.3960%0.471-16%0.332+19%0.243+63%
Usd Enterprise Value--1704184755.4621704184755.4620%1432974921.120+19%1352294767.794+26%1010448022.038+69%
Usd Eps--0.7470.7470%0.356+110%0.437+71%0.330+126%
Usd Free Cash Flow--48036875.40048036875.4000%128026110.600-62%72506129.400-34%50521416.480-5%
Usd Free Cash Flow Per Share--0.4120.4120%1.098-62%0.622-34%0.433-5%
Usd Free Cash Flow To Equity Per Share--0.8980.8980%3.816-76%1.369-34%0.784+15%
Usd Market Cap2089779304.158-12%2347575545.8622347575545.8620%2177933766.120+8%1706282207.634+38%1256784087.678+87%
Usd Price Per Share17.925-12%20.13620.1360%18.681+8%14.635+38%10.780+87%
Usd Profit--87095548.80087095548.8000%41461756.200+110%50963654.880+71%38492150.760+126%
Usd Revenue--667352995.200667352995.2000%525057706.800+27%360538032.600+85%262959400.440+154%
Usd Total Gains Per Share--1.6811.6810%3.281-49%1.712-2%1.049+60%
 EOD+4 -4MRQTTM+0 -0YOY+25 -155Y+17 -2310Y+23 -17

3.3 Fundamental Score

Let's check the fundamental score of AUB Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1523.994
Price to Book Ratio (EOD)Between0-11.880
Net Profit Margin (MRQ)Greater than00.131
Operating Margin (MRQ)Greater than00.132
Quick Ratio (MRQ)Greater than11.118
Current Ratio (MRQ)Greater than11.174
Debt to Asset Ratio (MRQ)Less than10.568
Debt to Equity Ratio (MRQ)Less than11.521
Return on Equity (MRQ)Greater than0.150.091
Return on Assets (MRQ)Greater than0.050.034
Total5/10 (50.0%)

3.4 Technical Score

Let's check the technical score of AUB Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose29.000
Total1/1 (100.0%)

4. In-depth Analysis

4.1 About AUB Group Ltd

AUB Group Limited engages in the insurance broking and underwriting businesses in Australia and New Zealand. It operates through five segments: Australian Broking, New Zealand Broking, Agencies, Tysers/International, and Support Service. The company provides insurance broking and advisory services primarily to SME clients; distributes ancillary products; and designs, distributes, and manages insurance products on behalf of licensed insurance companies. It also offers support services, such as loss adjustment, investigations, claims management, and claim legal support services; and automated quoting and binding, white-labelling, and technological support services, as well as ExpressCover; and BizCover, a digital SME insurance platform with multi-channel presence and insurance offerings. The company was formerly known as Austbrokers Holdings Limited and changed its name to AUB Group Limited in November 2015. The company was incorporated in 1885 and is headquartered in North Sydney, Australia.

Fundamental data was last updated by Penke on 2025-02-05 01:50:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is just able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is fair priced.
3rd party ad coffee SUPPORTERis ad-free.

4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit AUB Group Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • A Net Profit Margin of 13.1% means that $0.13 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of AUB Group Ltd:

  • The MRQ is 13.1%. The company is making a huge profit. +2
  • The TTM is 13.1%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.1%TTM13.1%0.0%
TTM13.1%YOY7.9%+5.2%
TTM13.1%5Y16.5%-3.5%
5Y16.5%10Y16.2%+0.4%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ13.1%9.3%+3.8%
TTM13.1%7.0%+6.1%
YOY7.9%7.9%0.0%
5Y16.5%8.8%+7.7%
10Y16.2%9.0%+7.2%
4.3.1.2. Return on Assets

Shows how efficient AUB Group Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • 3.4% Return on Assets means that AUB Group Ltd generated $0.03 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of AUB Group Ltd:

  • The MRQ is 3.4%. Using its assets, the company is less efficient in making profit.
  • The TTM is 3.4%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ3.4%TTM3.4%0.0%
TTM3.4%YOY1.7%+1.7%
TTM3.4%5Y4.2%-0.8%
5Y4.2%10Y4.8%-0.6%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%1.4%+2.0%
TTM3.4%1.2%+2.2%
YOY1.7%1.7%0.0%
5Y4.2%0.7%+3.5%
10Y4.8%1.8%+3.0%
4.3.1.3. Return on Equity

Shows how efficient AUB Group Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • 9.1% Return on Equity means AUB Group Ltd generated $0.09 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of AUB Group Ltd:

  • The MRQ is 9.1%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 9.1%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ9.1%TTM9.1%0.0%
TTM9.1%YOY5.1%+4.0%
TTM9.1%5Y9.9%-0.8%
5Y9.9%10Y11.6%-1.8%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ9.1%5.8%+3.3%
TTM9.1%3.6%+5.5%
YOY5.1%4.7%+0.4%
5Y9.9%3.9%+6.0%
10Y11.6%4.2%+7.4%
3rd party ad coffee SUPPORTERis ad-free.

4.3.2. Operating Efficiency of AUB Group Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient AUB Group Ltd is operating .

  • Measures how much profit AUB Group Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • An Operating Margin of 13.2% means the company generated $0.13  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of AUB Group Ltd:

  • The MRQ is 13.2%. The company is operating less efficient.
  • The TTM is 13.2%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ13.2%TTM13.2%0.0%
TTM13.2%YOY22.0%-8.8%
TTM13.2%5Y18.5%-5.3%
5Y18.5%10Y17.0%+1.5%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ13.2%6.6%+6.6%
TTM13.2%5.5%+7.7%
YOY22.0%11.1%+10.9%
5Y18.5%7.9%+10.6%
10Y17.0%9.9%+7.1%
4.3.2.2. Operating Ratio

Measures how efficient AUB Group Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance Brokers industry mean).
  • An Operation Ratio of 0.65 means that the operating costs are $0.65 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of AUB Group Ltd:

  • The MRQ is 0.653. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.653. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.653TTM0.6530.000
TTM0.653YOY0.780-0.127
TTM0.6535Y0.772-0.119
5Y0.77210Y0.760+0.012
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6530.957-0.304
TTM0.6530.960-0.307
YOY0.7801.120-0.340
5Y0.7720.995-0.223
10Y0.7600.996-0.236
3rd party ad coffee SUPPORTERis ad-free.

4.4.3. Liquidity of AUB Group Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if AUB Group Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance Brokers industry mean).
  • A Current Ratio of 1.17 means the company has $1.17 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of AUB Group Ltd:

  • The MRQ is 1.174. The company is just able to pay all its short-term debts.
  • The TTM is 1.174. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.174TTM1.1740.000
TTM1.174YOY1.112+0.062
TTM1.1745Y1.214-0.039
5Y1.21410Y1.197+0.017
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1741.535-0.361
TTM1.1741.642-0.468
YOY1.1121.345-0.233
5Y1.2141.361-0.147
10Y1.1971.558-0.361
4.4.3.2. Quick Ratio

Measures if AUB Group Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • A Quick Ratio of 1.12 means the company can pay off $1.12 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of AUB Group Ltd:

  • The MRQ is 1.118. The company is just able to pay all its short-term debts with the most liquid assets.
  • The TTM is 1.118. The company is just able to pay all its short-term debts with the most liquid assets.
Trends
Current periodCompared to+/- 
MRQ1.118TTM1.1180.000
TTM1.118YOY1.095+0.023
TTM1.1185Y1.199-0.081
5Y1.19910Y1.187+0.011
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1181.139-0.021
TTM1.1181.1180.000
YOY1.0951.132-0.037
5Y1.1991.149+0.050
10Y1.1871.494-0.307
3rd party ad coffee SUPPORTERis ad-free.

4.5.4. Solvency of AUB Group Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of AUB Group Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare AUB Group Ltd to Insurance Brokers industry mean.
  • A Debt to Asset Ratio of 0.57 means that AUB Group Ltd assets are financed with 56.8% credit (debt) and the remaining percentage (100% - 56.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of AUB Group Ltd:

  • The MRQ is 0.568. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.568. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.568TTM0.5680.000
TTM0.568YOY0.610-0.042
TTM0.5685Y0.514+0.054
5Y0.51410Y0.5140.000
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5680.620-0.052
TTM0.5680.620-0.052
YOY0.6100.651-0.041
5Y0.5140.641-0.127
10Y0.5140.598-0.084
4.5.4.2. Debt to Equity Ratio

Measures if AUB Group Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • A Debt to Equity ratio of 152.1% means that company has $1.52 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of AUB Group Ltd:

  • The MRQ is 1.521. The company is just able to pay all its debts with equity.
  • The TTM is 1.521. The company is just able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ1.521TTM1.5210.000
TTM1.521YOY1.853-0.332
TTM1.5215Y1.301+0.220
5Y1.30110Y1.297+0.003
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5211.599-0.078
TTM1.5211.599-0.078
YOY1.8531.761+0.092
5Y1.3011.720-0.419
10Y1.2972.018-0.721
3rd party ad coffee SUPPORTERis ad-free.

4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings AUB Group Ltd generates.

  • Above 15 is considered overpriced but always compare AUB Group Ltd to the Insurance Brokers industry mean.
  • A PE ratio of 26.95 means the investor is paying $26.95 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of AUB Group Ltd:

  • The EOD is 23.994. Based on the earnings, the company is fair priced.
  • The MRQ is 26.954. Based on the earnings, the company is overpriced. -1
  • The TTM is 26.954. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD23.994MRQ26.954-2.960
MRQ26.954TTM26.9540.000
TTM26.954YOY52.529-25.575
TTM26.9545Y35.369-8.415
5Y35.36910Y33.528+1.840
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD23.99424.375-0.381
MRQ26.95426.053+0.901
TTM26.95422.812+4.142
YOY52.52916.687+35.842
5Y35.36916.104+19.265
10Y33.52816.744+16.784
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of AUB Group Ltd:

  • The EOD is 43.504. Based on how much money comes from the company's main activities, the company is fair priced.
  • The MRQ is 48.870. Based on how much money comes from the company's main activities, the company is fair priced.
  • The TTM is 48.870. Based on how much money comes from the company's main activities, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD43.504MRQ48.870-5.367
MRQ48.870TTM48.8700.000
TTM48.870YOY17.012+31.859
TTM48.8705Y25.984+22.887
5Y25.98410Y29.087-3.103
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD43.50419.245+24.259
MRQ48.87017.436+31.434
TTM48.87015.352+33.518
YOY17.0125.275+11.737
5Y25.9849.650+16.334
10Y29.0878.859+20.228
3rd party ad coffee SUPPORTERis ad-free.
4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of AUB Group Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance Brokers industry mean).
  • A PB ratio of 2.11 means the investor is paying $2.11 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of AUB Group Ltd:

  • The EOD is 1.880. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.112. Based on the equity, the company is underpriced. +1
  • The TTM is 2.112. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.880MRQ2.112-0.232
MRQ2.112TTM2.1120.000
TTM2.112YOY2.265-0.153
TTM2.1125Y2.831-0.719
5Y2.83110Y3.167-0.337
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD1.8802.771-0.891
MRQ2.1122.214-0.102
TTM2.1122.185-0.073
YOY2.2652.312-0.047
5Y2.8312.257+0.574
10Y3.1672.125+1.042
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of AUB Group Ltd.

4.8.2. Funds holding AUB Group Ltd

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2020-12-31MFS International New Discovery Fund3.37-2508681--
2020-10-31Vanguard International Stock Index-Total Intl Stock Indx1.19-882389--
2021-01-31DFA Asia Pacific Small Company Series0.64-478705--
2020-12-31Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund0.58999998-437963--
2021-02-28iShares MSCI EAFE Small Cap ETF0.43-323445--
2021-02-28iShares Core MSCI EAFE ETF0.38-284291--
2021-01-31Vanguard Whitehall Funds-International Explorer Fund0.3-224422--
2021-01-31Nationwide International Small Cap Fd0.26-192570--
2020-10-31Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index0.25-188179--
2021-02-28WisdomTree Tr-WisdomTree International Small Cap Dividend Fd0.25-184890--
Total 7.659999980570553500.0%
3rd party ad coffee SUPPORTERis ad-free.

5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-06-302021-06-302022-06-302023-06-302024-06-30
Long-term Assets Other  -327,527-85,182-412,709-146,399-559,108-867,040-1,426,1481,442,68716,539



5.2. Latest Balance Sheet

Balance Sheet of 2024-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets4,049,250
Total Liabilities2,300,039
Total Stockholder Equity1,512,320
 As reported
Total Liabilities 2,300,039
Total Stockholder Equity+ 1,512,320
Total Assets = 4,049,250

Assets

Total Assets4,049,250
Total Current Assets1,607,385
Long-term Assets2,441,865
Total Current Assets
Cash And Cash Equivalents 1,286,316
Short-term Investments 1,147
Net Receivables 241,502
Other Current Assets 78,420
Total Current Assets  (as reported)1,607,385
Total Current Assets  (calculated)1,607,385
+/-0
Long-term Assets
Property Plant Equipment 84,349
Goodwill 1,541,766
Long Term Investments 273,327
Intangible Assets 501,128
Long-term Assets Other 16,539
Long-term Assets  (as reported)2,441,865
Long-term Assets  (calculated)2,417,109
+/- 24,756

Liabilities & Shareholders' Equity

Total Current Liabilities1,368,916
Long-term Liabilities931,123
Total Stockholder Equity1,512,320
Total Current Liabilities
Short-term Debt 20,274
Short Long Term Debt 6,119
Accounts payable 82,194
Other Current Liabilities 1,235,431
Total Current Liabilities  (as reported)1,368,916
Total Current Liabilities  (calculated)1,344,018
+/- 24,898
Long-term Liabilities
Long term Debt 639,882
Capital Lease Obligations 78,691
Long-term Liabilities Other 80,410
Long-term Liabilities  (as reported)931,123
Long-term Liabilities  (calculated)798,983
+/- 132,140
Total Stockholder Equity
Common Stock1,141,428
Retained Earnings 312,847
Accumulated Other Comprehensive Income 58,045
Total Stockholder Equity (as reported)1,512,320
Total Stockholder Equity (calculated)1,512,320
+/-0
Other
Capital Stock1,141,428
Cash and Short Term Investments 1,287,463
Common Stock Shares Outstanding 109,839
Current Deferred Revenue31,017
Liabilities and Stockholders Equity 4,049,250
Net Debt -561,624
Net Invested Capital 2,158,321
Net Working Capital 238,469
Property Plant and Equipment Gross 84,349
Short Long Term Debt Total 724,692



5.3. Balance Sheets Structured

Currency in AUD. All numbers in thousands.

 Trend2024-06-302023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-30
> Total Assets 
182,478
195,024
211,626
253,294
307,701
325,344
367,327
407,139
564,064
626,481
675,005
721,101
754,362
781,141
855,926
1,020,354
1,146,118
1,640,482
3,884,318
4,049,250
4,049,2503,884,3181,640,4821,146,1181,020,354855,926781,141754,362721,101675,005626,481564,064407,139367,327325,344307,701253,294211,626195,024182,478
   > Total Current Assets 
104,940
114,968
118,636
130,574
156,955
172,798
205,103
234,085
309,107
334,964
321,212
324,917
329,405
338,370
463,314
312,567
347,500
713,027
1,537,144
1,607,385
1,607,3851,537,144713,027347,500312,567463,314338,370329,405324,917321,212334,964309,107234,085205,103172,798156,955130,574118,636114,968104,940
       Cash And Cash Equivalents 
48,727
58,045
58,162
58,656
68,658
80,987
102,334
115,602
150,693
152,157
156,009
158,446
153,318
158,657
219,997
243,151
281,820
592,460
1,196,721
1,286,316
1,286,3161,196,721592,460281,820243,151219,997158,657153,318158,446156,009152,157150,693115,602102,33480,98768,65858,65658,16258,04548,727
       Short-term Investments 
3,938
29,667
4,055
2,297
703
1,461
679
1,316
1,716
71
150
670
108
9
8
529
1,045
1,020
1,804
1,147
1,1471,8041,0201,04552989108670150711,7161,3166791,4617032,2974,05529,6673,938
       Net Receivables 
52,275
52,746
55,417
69,621
87,594
90,350
102,090
117,167
156,698
182,736
165,053
165,801
172,407
176,562
243,309
68,539
64,166
116,571
313,079
241,502
241,502313,079116,57164,16668,539243,309176,562172,407165,801165,053182,736156,698117,167102,09090,35087,59469,62155,41752,74652,275
       Other Current Assets 
0
4,177
1,002
0
0
0
0
0
114,983
110,542
108,702
-325,080
-329,773
-338,790
-299,722
529
206,746
337,127
25,540
78,420
78,42025,540337,127206,746529-299,722-338,790-329,773-325,080108,702110,542114,983000001,0024,1770
   > Long-term Assets 
77,538
80,056
92,990
122,720
150,746
152,546
162,224
173,054
254,957
291,517
353,793
396,184
424,957
442,771
556,329
709,225
798,618
927,455
2,347,174
2,441,865
2,441,8652,347,174927,455798,618709,225556,329442,771424,957396,184353,793291,517254,957173,054162,224152,546150,746122,72092,99080,05677,538
       Property Plant Equipment 
3,676
4,332
4,897
4,544
5,845
4,674
4,508
5,058
7,455
8,157
6,507
9,806
11,648
11,996
14,559
37,998
30,152
30,198
83,245
84,349
84,34983,24530,19830,15237,99814,55911,99611,6489,8066,5078,1577,4555,0584,5084,6745,8454,5444,8974,3323,676
       Goodwill 
33,569
36,611
44,157
47,508
57,502
58,107
63,041
71,980
134,772
151,259
181,251
219,766
236,668
242,499
340,910
329,421
416,241
559,847
1,443,434
1,541,766
1,541,7661,443,434559,847416,241329,421340,910242,499236,668219,766181,251151,259134,77271,98063,04158,10757,50247,50844,15736,61133,569
       Long Term Investments 
0
0
0
0
0
0
0
0
0
103,708
141,733
133,934
141,764
155,906
127,846
271,081
280,683
259,314
268,417
273,327
273,327268,417259,314280,683271,081127,846155,906141,764133,934141,733103,708000000000
       Intangible Assets 
49,165
15,023
13,195
13,168
16,147
14,091
11,920
10,856
23,867
22,961
18,585
246,746
263,859
267,097
401,146
382,996
469,677
622,510
1,956,841
501,128
501,1281,956,841622,510469,677382,996401,146267,097263,859246,74618,58522,96123,86710,85611,92014,09116,14713,16813,19515,02349,165
       Other Assets 
752
1,807
1,764
2,230
2,654
3,236
3,750
5,322
6,270
5,219
5,574
5,535
8,756
10,126
-163,717
-1,438
21,774
27,886
28,338
0
028,33827,88621,774-1,438-163,71710,1268,7565,5355,5745,2196,2705,3223,7503,2362,6542,2301,7641,807752
> Total Liabilities 
106,682
110,556
116,896
149,625
193,448
190,770
214,011
234,849
333,666
356,902
363,679
369,866
408,581
423,911
372,528
529,936
547,831
642,805
2,370,950
2,300,039
2,300,0392,370,950642,805547,831529,936372,528423,911408,581369,866363,679356,902333,666234,849214,011190,770193,448149,625116,896110,556106,682
   > Total Current Liabilities 
97,795
90,893
94,514
121,902
152,137
149,455
173,551
194,623
279,561
300,686
277,034
261,979
279,531
273,262
426,745
267,617
299,716
490,208
1,382,623
1,368,916
1,368,9161,382,623490,208299,716267,617426,745273,262279,531261,979277,034300,686279,561194,623173,551149,455152,137121,90294,51490,89397,795
       Short-term Debt 
12,001
689
404
501
611
481
622
1,130
10,132
11,562
8,624
4,461
6,169
8,917
18,945
19,328
18,510
17,128
34,512
20,274
20,27434,51217,12818,51019,32818,9458,9176,1694,4618,62411,56210,1321,13062248161150140468912,001
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
53,875
7,852
3,392
5,681
8,449
18,572
10,297
10,724
8,941
19,769
6,119
6,11919,7698,94110,72410,29718,5728,4495,6813,3927,85253,875000000000
       Accounts payable 
76,294
83,011
82,491
6,106
5,090
5,995
7,928
8,135
14,395
12,543
11,542
27,141
27,190
16,449
18,152
24,222
28,027
42,100
53,782
82,194
82,19453,78242,10028,02724,22218,15216,44927,19027,14111,54212,54314,3958,1357,9285,9955,0906,10682,49183,01176,294
       Other Current Liabilities 
9,500
7,193
11,619
115,295
146,436
142,979
165,001
185,358
255,034
266,796
256,868
230,377
246,172
247,896
225,931
224,067
253,179
430,980
1,294,329
1,235,431
1,235,4311,294,329430,980253,179224,067225,931247,896246,172230,377256,868266,796255,034185,358165,001142,979146,436115,29511,6197,1939,500
   > Long-term Liabilities 
8,887
19,663
22,382
27,723
41,311
41,315
40,460
40,226
54,105
56,216
86,645
107,887
103,175
150,649
109,500
262,319
248,115
152,597
988,327
931,123
931,123988,327152,597248,115262,319109,500150,649103,175107,88786,64556,21654,10540,22640,46041,31541,31127,72322,38219,6638,887
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
57,441
84,185
88,927
112,285
85,530
242,109
218,889
57,613
626,595
0
0626,59557,613218,889242,10985,530112,28588,92784,18557,4410000000000
       Long term Debt 
736
12,732
14,416
20,216
33,606
34,418
34,279
33,384
42,753
42,313
56,907
83,692
88,298
111,621
85,115
220,067
200,345
38,630
564,461
639,882
639,882564,46138,630200,345220,06785,115111,62188,29883,69256,90742,31342,75333,38434,27934,41833,60620,21614,41612,732736
       Capital Lease Obligations 
0
0
0
0
0
0
0
0
0
0
0
1,562
1,117
1,132
788
31,073
27,080
27,170
76,877
78,691
78,69176,87727,17027,08031,0737881,1321,1171,56200000000000
       Other Liabilities 
3,617
2,132
3,022
2,524
1,657
1,312
1,510
1,871
2,469
4,999
29,204
23,702
40,123
38,364
23,970
20,210
29,226
94,984
386,856
0
0386,85694,98429,22620,21023,97038,36440,12323,70229,2044,9992,4691,8711,5101,3121,6572,5243,0222,1323,617
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
71,174
73,444
0
0
0
464
231
237,940
80,410
80,410237,94023146400073,44471,17400000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
1,011
606
1,070
2,354
2,573
2,948
544
3,239
6,756
0
06,7563,2395442,9482,5732,3541,0706061,0110000000000
> Total Stockholder Equity
72,105
80,934
87,519
94,898
103,393
122,298
141,010
159,035
197,649
229,471
263,123
294,243
276,913
290,729
415,103
429,278
478,754
854,494
1,279,853
1,512,320
1,512,3201,279,853854,494478,754429,278415,103290,729276,913294,243263,123229,471197,649159,035141,010122,298103,39394,89887,51980,93472,105
   Common Stock
47,524
49,207
49,707
49,707
49,959
60,844
70,750
76,036
90,586
108,339
128,890
141,708
141,708
141,708
255,662
258,947
266,659
608,520
945,687
1,141,428
1,141,428945,687608,520266,659258,947255,662141,708141,708141,708128,890108,33990,58676,03670,75060,84449,95949,70749,70749,20747,524
   Retained Earnings 
19,925
27,639
34,102
41,097
48,301
56,387
65,349
77,017
100,390
114,836
128,165
146,533
154,579
169,022
171,168
177,769
210,424
247,278
258,399
312,847
312,847258,399247,278210,424177,769171,168169,022154,579146,533128,165114,836100,39077,01765,34956,38748,30141,09734,10227,63919,925
   Accumulated Other Comprehensive Income 
4,656
4,088
3,710
4,094
5,133
5,067
4,911
5,982
6,673
6,296
6,068
6,002
-19,374
-20,001
-11,727
-7,438
1,671
-1,304
75,767
58,045
58,04575,767-1,3041,671-7,438-11,727-20,001-19,3746,0026,0686,2966,6735,9824,9115,0675,1334,0943,7104,0884,656
   Capital Surplus 00000000000000000000
   Treasury Stock00000000000000000000



5.4. Balance Sheets

Currency in AUD. All numbers in thousands.




5.5. Cash Flows

Currency in AUD. All numbers in thousands.