Cash flow Suncorp Group Limited

Equities

SUN

AU000000SUN6

Property & Casualty Insurance

Market Closed - Australian S.E. Other stock markets 02:10:23 2025-07-11 am EDT			5-day change	1st Jan Change
20.48 ^AUD	-0.53%		-2.62%	-8.31%

Jun. 30	Australian Prudential Regulator's New Standard on Operational Risk Management Comes into Force	MT
Jun. 30	Suncorp Expects Lower Fiscal Year 2026 Reinsurance Costs With Program Restructure and Profit-Sharing Deal	MT

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Published financial data: SUNCORP GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2020	2021	2022	2023	2024
Premiums and Annuity Revenues	10.08B	10.44B	11.13B	12.1B	12.18B
Total Interest And Dividend Income	2.55B	2.12B	2.12B	3.57B	709M
Gain (Loss) on Sale of Investments, Total (Rev)	24M	230M	-1.18B	147M	10M
Other Revenues, Total	2.12B	1.4B	2.92B	2.54B	110M
Total Revenues	14.77B	14.19B	14.99B	18.35B	13.01B
Policy Benefits	7.88B	7.52B	8.83B	9.74B	11.19B
Policy Acquisition / Underwriting Costs, Total	2.2B	2.28B	2.28B	2.25B	-
Depreciation & Amortization - (IS) - (Collected)	258M	229M	207M	206M	236M
Selling General & Admin Expenses, Total	-	-	-	-	190M
Provision For Loan Losses - (Ins. / REIT / Utility Templates)	-172M	49M	14M	-17M	-
Stock-Based Compensation (IS)	6.86M	4.59M	6.72M	7.84M	-
Other Operating Expenses	974M	935M	1.1B	1.19B	-
Reinsurance Income Or Expense	-1.22B	-1.23B	-1.36B	-1.54B	-
Total Operating Expenses	12.71B	12.14B	13.77B	14.94B	11.61B
Operating Income	2.06B	2.05B	1.22B	3.41B	1.4B
Interest Expense, Total	-999M	-530M	-385M	-1.77B	-
EBT, Excl. Unusual Items	1.06B	1.52B	837M	1.64B	1.4B
Asset Writedown	-110M	-9M	-	-	-
EBT, Incl. Unusual Items	951M	1.51B	837M	1.64B	1.4B
Income Tax Expense	305M	461M	138M	483M	429M
Earnings From Continuing Operations	646M	1.05B	699M	1.16B	971M
Earnings Of Discontinued Operations	286M	-	-	-	258M
Net Income to Company	932M	1.05B	699M	1.16B	1.23B
Minority Interest	-19M	-15M	-18M	-11M	-32M
Net Income - (IS)	913M	1.03B	681M	1.15B	1.2B
Net Income to Common Incl Extra Items	913M	1.03B	681M	1.15B	1.2B
Net Income to Common Excl. Extra Items	627M	1.03B	681M	1.15B	939M
Per Share Items
Net EPS - Basic	0.85	0.95	0.63	1.07	1.11
Basic EPS - Continuing Operations	0.58	0.95	0.63	1.07	0.87
Basic Weighted Average Shares Outstanding	1.08B	1.09B	1.08B	1.07B	1.08B
Net EPS - Diluted	0.8	0.9	0.6	1.04	1.1
Diluted EPS - Continuing Operations	0.56	0.9	0.6	1.04	0.86
Diluted Weighted Average Shares Outstanding	1.19B	1.17B	1.19B	1.16B	1.09B
Normalized Basic EPS	0.6	0.86	0.47	0.94	0.78
Normalized Diluted EPS	0.54	0.79	0.42	0.88	0.77
Dividend Per Share	0.42	0.78	0.47	0.7	0.92
Payout Ratio	98.25	41.43	117.91	50.87	57.81
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	2.15B	2.24B	1.4B	3.57B	1.56B
EBITA	2.1B	2.08B	1.25B	3.43B	1.42B
EBIT	2.06B	2.05B	1.22B	3.41B	1.4B
EBITDAR	-	-	-	-	-
Total Revenues (As Reported)	14.77B	14.19B	16.17B	18.35B	-
Effective Tax Rate - (Ratio)	32.07	30.55	16.49	29.42	30.64
Current Domestic Taxes	-	-	-	353M	-
Total Current Taxes	458M	477M	358M	353M	506M
Deferred Domestic Taxes	-	-	-	130M	-
Total Deferred Taxes	-87M	-16M	-220M	130M	33M
Normalized Net Income	644M	934M	505M	1.02B	843M
Interest on Long-Term Debt	353M	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., Other (Total)	21.66M	17.85M	29.12M	23.97M	21.38M
Total Stock-Based Compensation	21.66M	17.85M	29.12M	23.97M	21.38M

Fiscal Period: June	2020	2021	2022	2023	2024
Assets
Investment In Debt Securities	-	-	-	-	-
Investment In Equity and Preferred Securities, Total	892M	1.37B	480M	575M	701M
Trading Asset Securities, Total	2.24B	1.88B	3.35B	2.76B	81M
Mortgage Loans	46.47B	46.06B	50.21B	54.8B	-
Total Other Investments	18.87B	19.86B	20.48B	22.47B	17.45B
Total investments	68.47B	69.17B	74.52B	80.6B	18.23B
Cash And Equivalents	1.47B	2.62B	3.79B	5.56B	734M
Reinsurance Recoverable - (IS)	3.66B	3B	4.56B	4.04B	1.16B
Other Receivables - (Insurance Template)	14.32B	14.27B	14.86B	15.92B	187M
Deferred Policy Acquisition Costs - (BS)	734M	752M	796M	874M	-
Net Property Plant And Equipment	576M	504M	712M	604M	484M
Goodwill	4.72B	4.72B	4.72B	4.72B	4.46B
Other Intangibles, Total	551M	531M	563M	585M	547M
Restricted Cash	147M	78M	120M	132M	-
Other Current Assets, Total	55M	52M	112M	69M	85.17B
Deferred Tax Assets Long-Term (Collected)	282M	288M	592M	488M	208M
Other Long-Term Assets, Total	762M	872M	1.04B	1.37B	539M
Total Assets	95.74B	96.86B	106B	115B	112B
Liabilities
Accrued Expenses, Total	60M	48M	16M	12M	10M
Insurance And Annuity Liabilities	-	-	-	-	12.54B
Unpaid Claims	10.6B	10.79B	11.69B	11.65B	-
Unearned Premiums	5.22B	5.57B	6.02B	6.77B	-
Reinsurance Payable - (BS)	784M	802M	1.12B	1.15B	-
Current Portion of Long-Term Debt	3.94B	1.75B	2.99B	5.8B	-
Current Portion of Leases	102M	-	-	-	-
Short-Term Borrowings	6.87B	5.88B	7.33B	8.5B	300M
Long-Term Debt	12.48B	13.9B	14.12B	13.02B	2.52B
Long-Term Leases	350M	-	-	-	-
Current Income Taxes Payable	164M	189M	-	-	131M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	29.08B	34.13B	47.66B	50.85B	79.69B
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	115M	121M	127M	144M	49M
Other Non Current Liabilities	13.19B	10.24B	2.51B	3.74B	2.58B
Total Liabilities	82.96B	83.41B	93.6B	102B	97.83B
Common Stock, Total	12.54B	12.57B	12.32B	12.37B	12.46B
Retained Earnings	163M	747M	532M	1.05B	1.46B
Treasury Stock	-51M	-41M	-26M	-25M	-38M
Comprehensive Income and Other	112M	147M	-74M	-78M	-42M
Total Common Equity	12.76B	13.42B	12.75B	13.31B	13.84B
Minority Interest	21M	24M	30M	33M	40M
Total Equity	12.78B	13.45B	12.78B	13.35B	13.88B
Total Liabilities And Equity	95.74B	96.86B	106B	115B	112B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.08B	1.09B	1.07B	1.08B	1.08B
ECS Total Common Shares Outstanding	1.08B	1.09B	1.07B	1.08B	1.08B
Book Value / Share	11.81	12.32	11.87	12.35	12.78
Tangible Book Value	7.49B	8.17B	7.47B	8.01B	8.84B
Tangible Book Value Per Share	6.93	7.5	6.95	7.43	8.16
Tangible Book Value Per Share (As Reported)	-	7.52	6.99	7.47	-
Total Debt	23.75B	21.53B	24.44B	27.32B	2.82B
Net Debt	22.28B	18.91B	20.65B	21.76B	2.09B
Debt Equivalent Oper. Leases	-	-	-	-	-
Minority Interest, Total (Incl. Fin. Div)	21M	24M	30M	33M	40M
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	13.5K	13.5K	13K	13K	10.5K

Fiscal Period: June	2020	2021	2022	2023	2024
Net Income	913M	1.03B	681M	1.15B	1.2B
Depreciation, Depletion & Amortization	157M	158M	144M	144M	145M
Amortization of Goodwill and Intangible Assets - (CF)	40M	34M	29M	18M	18M
Total Depreciation, Depletion & Amortization	197M	192M	173M	162M	163M
Amortization of Deferred Charges, Total	61M	37M	34M	44M	73M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	1M	-
Total Asset Writedown	-88M	196M	1.12B	-269M	-403M
Provision for Credit Losses	172M	-49M	-14M	16M	13M
Change in Trading Asset Securities	-232M	-119M	-1.15B	505M	66M
Reinsurance Recoverable - (CF)	-	-	-	-	741M
Change In Deferred Taxes	42M	13M	-459M	147M	164M
Change in Other Net Operating Assets (Collected)	1.26B	3.24B	1.95B	-1.16B	271M
Net Cash From Discontinued Operations	-286M	-	-	-	-
Other Operating Activities	266M	-199M	158M	148M	212M
Cash from Operations	2.3B	4.34B	2.48B	742M	2.5B
Divestitures	-	-	139M	-	-
Investment in Marketable and Equity Securities, Total	-87M	-1.57B	-2.14B	-974M	-4.27B
Other Investing Activities, Total	130M	172M	-241M	-144M	-376M
Cash from Investing	43M	-1.4B	-2.24B	-1.12B	-4.65B
Long-Term Debt Issued, Total	3.23B	9.75B	10.21B	21.21B	25.02B
Total Debt Issued	3.23B	9.75B	10.21B	21.21B	25.02B
Long-Term Debt Repaid, Total	-3.93B	-10.9B	-8.01B	-18.51B	-24.65B
Total Debt Repaid	-3.93B	-10.9B	-8.01B	-18.51B	-24.65B
Repurchase of Common Stock	-	-	-250M	-	-
Common Dividends Paid	-897M	-428M	-803M	-584M	-692M
Common & Preferred Stock Dividends Paid	-897M	-428M	-803M	-584M	-692M
Special Dividend Paid	-506M	-	-103M	-	-
Other Financing Activities, Total	-158M	-99M	-140M	93M	-7M
Cash from Financing	-2.26B	-1.67B	903M	2.21B	-333M
Foreign Exchange Rate Adjustments	-1M	-1M	1M	-2M	8M
Net Change in Cash	88M	1.27B	1.15B	1.83B	-2.48B
Supplemental Items
Cash Interest Paid	1.06B	603M	339M	1.51B	2.84B
Cash Income Tax Paid (Refund)	321M	451M	589M	333M	360M
Net Debt Issued / Repaid	-696M	-1.14B	2.2B	2.7B	366M
Levered Free Cash Flow	7B	7.96B	4.5B	5.91B	-657M
Unlevered Free Cash Flow	7.62B	8.29B	4.74B	7.01B	-657M
Change In Net Working Capital	-6.06B	-6.76B	-3.74B	-4.65B	1.79B

Fiscal Period: June	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.34	1.33	0.75	1.93	0.8
Return on Total Capital	3.45	3.6	2.12	5.47	3.04
Return On Equity %	4.99	7.99	5.33	8.87	7.13
Return on Common Equity	4.85	7.89	5.2	8.81	6.92
Margin Analysis
Gross Profit Margin %	30.58	31.33	25.98	34.6	14.03
SG&A Margin	-	-	-	-	1.46
EBITDA Margin %	14.58	15.79	9.31	19.47	12.01
EBITA Margin %	14.22	14.68	8.35	18.68	10.9
EBIT Margin %	13.95	14.44	8.15	18.58	10.76
Income From Continuing Operations Margin %	4.37	7.39	4.66	6.31	7.46
Net Income Margin %	6.18	7.28	4.54	6.25	9.2
Net Avail. For Common Margin %	4.25	7.28	4.54	6.25	7.22
Normalized Net Income Margin	4.36	6.58	3.37	5.53	6.48
Levered Free Cash Flow Margin	47.39	56.09	30.01	32.18	-5.05
Unlevered Free Cash Flow Margin	51.62	58.43	31.61	38.21	-5.05
Asset Turnover
Asset Turnover	0.15	0.15	0.15	0.17	0.12
Fixed Assets Turnover	37.68	26.27	24.65	27.89	23.92
Receivables Turnover (Average Receivables)	4.46	4.34	4.35	4.63	71.62
Short Term Liquidity
Current Ratio	0.19	0.18	0.2	0.19	1.09
Quick Ratio	0.12	0.13	0.13	0.14	0.01
Operating Cash Flow to Current Liabilities	0.04	0.07	0.03	0.01	0.03
Days Sales Outstanding (Average Receivables)	81.99	84.03	83.97	78.89	5.11
Average Days Payable Outstanding	406.39	430.4	401.33	389.43	-
Long Term Solvency
Total Debt/Equity	185.75	160.07	191.2	204.69	20.35
Total Debt / Total Capital	65	61.55	65.66	67.18	16.91
LT Debt/Equity	100.38	103.38	110.47	97.54	18.19
Long-Term Debt / Total Capital	35.13	39.75	37.94	32.01	15.11
Total Liabilities / Total Assets	86.65	86.12	87.98	88.39	87.57
EBIT / Interest Expense	2.06	3.86	3.17	1.93	-
EBITDA / Interest Expense	2.26	4.23	3.62	2.02	-
(EBITDA - Capex) / Interest Expense	2.26	4.23	3.62	2.02	-
Total Debt / EBITDA	10.52	9.61	17.52	7.65	1.81
Net Debt / EBITDA	9.87	8.44	14.81	6.09	1.34
Total Debt / (EBITDA - Capex)	10.52	9.61	17.52	7.65	1.81
Net Debt / (EBITDA - Capex)	9.87	8.44	14.81	6.09	1.34
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-5.08	-3.94	5.66	22.44	15.54
Gross Profit, 1 Yr. Growth %	-16.17	-1.57	26.59	63.07	30.8
EBITDA, 1 Yr. Growth %	-30.63	-0.75	-37.72	156.13	34.74
EBITA, 1 Yr. Growth %	-31.28	-0.86	-39.91	174.1	39.43
EBIT, 1 Yr. Growth %	-31.47	-0.58	-40.33	179.13	40
Earnings From Cont. Operations, 1 Yr. Growth %	-39.85	62.23	-33.3	65.81	38.12
Net Income, 1 Yr. Growth %	421.71	13.14	-34.08	68.58	11.76
Normalized Net Income, 1 Yr. Growth %	-31.61	44.96	-45.9	100.99	37.3
Diluted EPS Before Extra, 1 Yr. Growth %	-42	61.79	-33.32	72.53	37.23
Net Property, Plant and Equip., 1 Yr. Growth %	176.92	-12.5	41.27	-15.17	-19.87
Accounts Receivable, 1 Yr. Growth %	1.96	2.31	8.55	13.43	0
Total Assets, 1 Yr. Growth %	-0.51	1.16	9.83	8.09	3.4
Common Equity, 1 Yr. Growth %	-2.67	5.18	-5	4.4	4.09
Tangible Book Value, 1 Yr. Growth %	-2.16	9.09	-8.54	7.19	10.39
Cash From Operations, 1 Yr. Growth %	25.03	27.76	-42.79	-70.14	185.37
Levered Free Cash Flow, 1 Yr. Growth %	106.36	13.81	-71.66	31.04	-98.89
Unlevered Free Cash Flow, 1 Yr. Growth %	76.93	8.83	-70.76	47.68	-98.89
Dividend Per Share, 1 Yr. Growth %	-50.06	83.33	-39.39	50	30
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	2.02	-4.51	0.75	13.74	-6.83
Gross Profit, 2 Yr. CAGR %	-7.66	-9.16	-7.14	43.68	-31.52
EBITDA, 2 Yr. CAGR %	-14.48	-15.06	-21.38	26.3	5.85
EBITA, 2 Yr. CAGR %	-14.83	-17.46	-22.82	28.33	6.47
EBIT, 2 Yr. CAGR %	-14.85	-17.46	-22.98	29.06	7.04
Earnings From Cont. Operations, 2 Yr. CAGR %	-18.35	-1.22	4.02	5.16	17.86
Net Income, 2 Yr. CAGR %	-7.15	142.96	-13.64	5.42	32.58
Normalized Net Income, 2 Yr. CAGR %	-13.84	-0.43	-11.44	4.27	29.19
Diluted EPS Before Extra, 2 Yr. CAGR %	-20.49	-3.13	3.87	7.26	19.64
Net Property, Plant and Equip., 2 Yr. CAGR %	65.22	55.66	11.18	9.47	-17.55
Accounts Receivable, 2 Yr. CAGR %	3.48	2.14	5.39	10.96	-76.18
Total Assets, 2 Yr. CAGR %	-1.82	0.32	5.41	8.96	2.48
Common Equity, 2 Yr. CAGR %	-4.39	1.18	-0.04	-0.41	4.19
Tangible Book Value, 2 Yr. CAGR %	-4.68	3.32	-0.11	-0.99	8.76
Cash From Operations, 2 Yr. CAGR %	10.71	53.57	-14.51	-58.67	0.24
Levered Free Cash Flow, 2 Yr. CAGR %	60.63	53.18	-19.79	-39	-61.83
Unlevered Free Cash Flow, 2 Yr. CAGR %	45.37	38.7	-21.12	-34.22	-62.81
Dividend Per Share, 2 Yr. CAGR %	-30.8	-4.32	5.41	-4.65	39.64
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-5.31	-0.01	-1.24	7.51	-2.84
Gross Profit, 3 Yr. CAGR %	-6.9	-5.67	-10.25	12.03	-15.96
EBITDA, 3 Yr. CAGR %	-12.21	-8.72	-23.41	16.55	-11.3
EBITA, 3 Yr. CAGR %	-12.25	-10.41	-25.75	17.76	-12.02
EBIT, 3 Yr. CAGR %	-12.26	-10.34	-25.92	18.31	-11.91
Earnings From Cont. Operations, 3 Yr. CAGR %	-15.87	2.65	-13.34	21.51	-2.51
Net Income, 3 Yr. CAGR %	-5.3	-0.83	57.29	7.93	5.03
Normalized Net Income, 3 Yr. CAGR %	-13.49	2.48	-18.75	16.38	-3.35
Diluted EPS Before Extra, 3 Yr. CAGR %	-17.6	0.75	-14.47	23.01	-1.54
Net Property, Plant and Equip., 3 Yr. CAGR %	42.28	33.67	50.71	1.59	-1.34
Accounts Receivable, 3 Yr. CAGR %	2.93	3.09	4.23	8	-60.51
Total Assets, 3 Yr. CAGR %	-0.47	-0.84	3.4	6.29	4.87
Common Equity, 3 Yr. CAGR %	-2.53	-1.3	-0.92	1.42	1.03
Tangible Book Value, 3 Yr. CAGR %	-2.02	-0.29	-0.8	2.26	2.66
Cash From Operations, 3 Yr. CAGR %	127.73	32.23	10.5	-39.79	-16.85
Levered Free Cash Flow, 3 Yr. CAGR %	46.98	43.15	9.87	-5.46	-65.42
Unlevered Free Cash Flow, 3 Yr. CAGR %	34.9	31.96	3.22	-2.71	-65.65
Dividend Per Share, 3 Yr. CAGR %	-21.76	-4.25	-17.83	18.56	5.73
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-2.45	-1.53	-2.93	5.28	-3.51
Gross Profit, 5 Yr. CAGR %	-4.89	-3.79	-7	3.7	-19.46
EBITDA, 5 Yr. CAGR %	-9.84	-7.09	-15.21	3.94	-12.83
EBITA, 5 Yr. CAGR %	-9.97	-8	-16.64	3.44	-14.24
EBIT, 5 Yr. CAGR %	-9.95	-7.92	-16.72	3.72	-14.17
Earnings From Cont. Operations, 5 Yr. CAGR %	-10.74	0.06	-8.42	3.65	-2
Net Income, 5 Yr. CAGR %	-4.23	-0.1	-8.73	1.63	46.9
Normalized Net Income, 5 Yr. CAGR %	-8.99	-0.02	-12.68	3.19	-2.19
Diluted EPS Before Extra, 5 Yr. CAGR %	-11.94	-1.25	-9.6	3.31	-2.18
Net Property, Plant and Equip., 5 Yr. CAGR %	24.7	22.46	28.91	23.41	18.4
Accounts Receivable, 5 Yr. CAGR %	2.76	3	3.9	6.17	-42.25
Total Assets, 5 Yr. CAGR %	0.02	0.23	1.84	2.97	3.03
Common Equity, 5 Yr. CAGR %	-1.09	-0.2	-1.54	-0.95	1.09
Tangible Book Value, 5 Yr. CAGR %	-0.56	1.23	-1.26	-0.57	2.92
Cash From Operations, 5 Yr. CAGR %	39.18	9.72	66.36	-16.96	6.27
Levered Free Cash Flow, 5 Yr. CAGR %	12.31	17.72	15.33	16.84	-27.99
Unlevered Free Cash Flow, 5 Yr. CAGR %	8.58	12.93	8.82	14.22	-31.36
Dividend Per Share, 5 Yr. CAGR %	-14.39	-1.18	-11.86	-4.41	1.59