Suncorp Group Limited

SUN.AX

Insurance - Property & Casualty · Financial Services

Price

A$18.13

+0.20 (+1.12%)

Market Cap

A$19.22B

Exchange

Australian Securities Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Good

Cash Flow

Strong

Stability

Exceptional

Valuation

Good

Dividends

Exceptional

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Share count falling — buybacks

−17.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.40B (2022) → 1.15B (2026)

Winston Score History

The full picture

Suncorp Group is an Australian financial services company that sells insurance products to everyday people and businesses. Its main brands include AAMI, GIO, Bingle, and Suncorp Insurance, covering home, car, and business insurance across Australia and New Zealand. The company recently sold its banking division to ANZ, making it a focused insurance business.

Suncorp earns money by collecting premiums from policyholders and investing those funds, paying out claims when customers need them. It operates primarily in Australia and New Zealand, with an $18.7 billion market cap making it one of the larger insurers in the region. Its portfolio of well-known consumer brands gives it strong name recognition, but the business faces real pressure from rising claim costs driven by more frequent and severe weather events — floods, storms, and bushfires — which can quickly erode profitability if premiums do not keep pace with losses.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+7.5% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

A$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

A$22.1B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Suncorp Group Limited's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

25.3%

Modest — 25.3% gross margin

Profit after running costs

Operating Margin

13.6%

Healthy — 13.6% operating margin

Return on the money invested

ROCE

11.4%

Below par — 11.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+2.8%

Nearly flat sales (+2.8% YoY)

Profit growth

EPS YoY

-22.6%

Earnings shrinking (-22.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

154%

Turns 154% of profit into real cash

Spare cash per sale

FCF Margin

9.7%

Modest free cash flow (9.7%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.28

Conservative — low debt load (0.28)

Covers its interest

Interest Cover

17.19x

Comfortably covers interest (17.2x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

18.9x

Fair value — P/E 18.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.9

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

4.22%

Healthy income — 4.22% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+301.8%

Dividend growing fast (301.8% YoY)

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