Main source of income: Insurance business
TOP 3 markets:

1. Australia: approx. 70%
2. New Zealand: approx. 25%
3. Asia: approx. 5%

Insurance Australia Group Limited (IAG) generates the majority of its revenue through the insurance business, especially in the areas of property, liability, and motor vehicle insurance. The Australian market is the dominant market for IAG, followed by New Zealand, where the company also has a strong presence.

In Asia, IAG is active in some markets, but these account for a smaller share of the total revenue. Market shares may vary due to strategic adjustments and market conditions, but the main markets remain Australia and New Zealand.

Production Sites: Australia and New Zealand

Insurance Australia Group Limited (IAG) is a leading insurance company that operates mainly in Australia and New Zealand. Since IAG operates in the insurance sector, the company does not produce physical products. Instead, it offers a variety of insurance services, including auto, home, and liability insurance.

The services and products of IAG are primarily developed and managed in the markets of Australia and New Zealand. The company focuses on strengthening its market presence in these regions through innovative insurance solutions and digital platforms.

Strategic Focus:

• Digitalization and Technology Investments
• Customer-Oriented Product Development
• Sustainability Initiatives

Insurance Australia Group Limited (IAG) pursues a strategy that heavily emphasizes digitalization and technological innovation. The company invests in advanced technologies to optimize its operational processes and enhance customer experience. These investments aim to increase efficiency and improve responsiveness to customer needs.

Another focus is on developing customer-oriented products. IAG is working on offering tailored insurance products that meet the evolving needs of customers. This includes adapting existing products as well as introducing new offerings targeting specific market segments.

Furthermore, IAG is strongly committed to sustainability initiatives. The company has pledged to reduce its environmental impact and promote sustainable business practices. These initiatives are part of IAG's long-term strategy to not only achieve financial growth but also make a positive contribution to society and the environment.

Main import materials: Reinsurance services

Countries of origin: USA, Germany, Switzerland

Insurance Australia Group Limited (IAG) is an insurance company that primarily imports reinsurance services instead of physical raw materials or materials. These reinsurance services are often sourced from international reinsurance companies based in countries such as the USA, Germany, and Switzerland.

Reinsurance is essential for insurance companies to diversify the risk of major losses and secure their financial stability. IAG collaborates with leading global reinsurers to hedge their risk position and optimize their capital requirements.

Market share in Australia: approximately 26% (2024)
Customer satisfaction: 4.3 out of 5 (2024, based on surveys)
Financial stability: AA- Rating (2024, S&P)

Insurance Australia Group Limited (IAG) has a significant competitive advantage that is evident in several areas. With a market share of around 26%, IAG is the leading provider in the Australian insurance market. This strong market position enables the company to leverage economies of scale and offer competitive prices.

Another advantage is the high customer satisfaction, rated at 4.3 out of 5. This indicates that IAG is able to provide high-quality services, leading to strong customer loyalty.

Furthermore, IAG demonstrates solid financial stability, as highlighted by the AA- Rating from S&P. This financial strength allows the company to invest in new technologies and innovations to further solidify its market position.

Institutional Investor Share: approx. 70% (2025, estimated)

Insider Buys/Sells: No significant transactions reported in 2025

The institutional investor share in Insurance Australia Group Limited is around 70%, indicating a high level of trust from institutional investors in the company. These investors include pension funds, investment funds, and other large financial institutions.

In 2025, no significant insider buys or sells were reported, suggesting that the management and other insiders are currently not making significant changes to their holdings. This can be seen as a sign of stability and confidence in the current company strategy.

Market share of Insurance Australia Group Limited (IAG): 24% (estimated for 2025)

Top competitors and their market shares:

1. Suncorp Group Limited: 22%
2. QBE Insurance Group Limited: 18%
3. Allianz Australia: 15%
4. Zurich Australia: 10%
5. Youi Insurance: 5%

IAG's Economic Moat:

Insurance Australia Group Limited (IAG) has a significant economic moat, primarily stemming from its strong brand presence and extensive distribution network. IAG benefits from high customer loyalty and a broad product portfolio, enabling the company to effectively serve various customer segments.

Compared to its competitors, IAG enjoys the advantage of an established brand name and a large customer base secured through long-term contracts and partnerships. This provides a certain level of stability and resilience to market fluctuations.

However, competitors like Suncorp and QBE also have strong economic moats, particularly due to their international operations and diversified business models. These companies can capitalize on global market trends and have access to larger capital markets, giving them an edge in risk diversification.

Overall, IAG has a solid economic moat, but they must continuously invest in innovation and customer service to compete with other major insurers that also hold strong market positions.

Revenue Growth: 4.5% (2024) Net Income: 1.2 billion AUD (2024) Market Share in Australia: 26% (2024)

Insurance Australia Group Limited (IAG) shows a moderate revenue growth rate of 4.5% in 2024. The company was able to achieve a net income of 1.2 billion AUD, indicating solid financial performance. The 26% market share in Australia highlights IAG's strong position in the domestic market.

IAG's strategic focus on digital transformation and efficiency improvements could lead to long-term enhancement of operational margins. Additionally, IAG benefits from a diversified product range and a strong brand presence, increasing resilience to market fluctuations.

However, investors should also keep an eye on challenges in the insurance sector, such as regulatory changes and the impact of climate change on claims. Investing in IAG could be worthwhile for those who believe in the company's long-term stability and market leadership.

Dividend Yield: 4.5% (2025, estimated)
Payout Ratio: 70% (2024, estimated)

Insurance Australia Group Limited (IAG) is known for regularly distributing dividends to its shareholders. The dividend yield for the year 2025 is estimated to be around 4.5%, which is considered attractive compared to other companies in the industry.

The payout ratio of about 70% in 2024 indicates that the company is passing on a significant portion of its profits to shareholders. This ratio is in line with industry practice and signals a solid dividend policy.

IAG has followed a reliable dividend payment policy in the past, and it is expected to continue to do so in the future, unless significant economic or company-specific challenges arise.