Revenue distribution by industry:

• Insurance: 100% (main business field)

TOP 3 markets and their percentage shares:

• Australia: 35%
• North America: 30%
• Europe: 25%

QBE Insurance Group Limited generates its revenues entirely from the insurance business, with the geographical distribution of income showing a strong presence in Australia, North America, and Europe. Australia remains the largest market for QBE, followed by North America and Europe, which also represent significant shares of the total revenue. This distribution reflects the company's strategic focus on being strongly present in these markets and benefiting from their economic conditions.

Production Sites: Globally distributed, no specific production facilities

QBE Insurance Group Limited is an insurance company and does not produce physical products. Instead, it offers insurance services. These services are provided worldwide, with the company operating in various regions such as Australia, North America, Europe, and Asia.

Since QBE does not manufacture physical products, there are no specific production sites. The services are delivered through a network of offices and branches in the respective markets.

Strategy for Future Growth:

1. Digitization and Technology Investments: QBE Insurance Group Limited is increasingly focusing on digitizing its processes and services. By investing in modern technologies and data analytics, the company aims to increase efficiency and enhance customer experience.

2. Sustainability and ESG Initiatives: The group is committed to achieving its sustainability goals by offering more environmentally friendly insurance products and reducing its own operational emissions. ESG (Environmental, Social, Governance) is a key component of their growth strategy.

3. Market Expansion in Asia and North America: QBE plans to expand its presence in the high-growth markets of Asia and North America. This will be achieved through strategic partnerships and acquisitions to increase market share in these regions.

4. Product Diversification: The company is working on diversifying its product portfolio to better hedge against market fluctuations and tap into new customer segments.

Through these strategic measures, QBE aims to strengthen its market position and ensure long-term profitable growth.

Commodities/Materials: No specific commodities

QBE Insurance Group Limited is an insurance company and not a manufacturing company that imports commodities or materials. Therefore, QBE does not import physical commodities or materials, but rather provides insurance services.

The company operates in the insurance industry and focuses on providing insurance products and services, including property, casualty, and reinsurance. The main resources that QBE requires are financial in nature, such as capital and reserves to cover insurance claims.

Market Share in Australia: 20% (2024)
Combined Ratio: 93.5% (2024)
Risk-Based Capital Ratio: 1.8x (2024)

QBE Insurance Group Limited has a significant competitive advantage, especially in its home market of Australia, where it holds a market share of about 20%. This positions the company as one of the leading insurers in the region.

The 93.5% Combined Ratio in 2024 shows that QBE operates efficiently and profitably, as a ratio below 100% means that the company collects more premiums than it spends on claims and operating expenses.

Additionally, the 1.8x Risk-Based Capital Ratio indicates a solid capital base, enabling QBE to better manage potential risks and seize growth opportunities. These factors together strengthen QBE's competitive advantage in the global insurance market.

Institutional Investor Share: approx. 70% (estimated for 2025)
Insider Buys/Sells: No significant transactions in the last quarter (estimated for 2025)

The institutional investor share at QBE Insurance Group Limited traditionally stands at around 70%, indicating the trust of large investment funds and institutional investors in the company's stability and growth potential. These investors typically value QBE's long-term perspective and dividend yield.

Regarding insider buys and sells, there were no significant transactions in the last quarter. This suggests that the management and other insiders currently do not expect significant changes in the company's value or that they are satisfied with the current corporate strategy.

Market share of QBE Insurance Group Limited: Estimated 5% (2025)

Top competitors and their market shares:

1. Allianz SE: 10%
2. AXA SA: 9%
3. Zurich Insurance Group: 8%
4. Munich Re: 7%
5. Chubb Limited: 6%
6. QBE Insurance Group Limited: 5%
7. AIG (American International Group): 4%
8. Berkshire Hathaway (Insurance Division): 4%
9. Generali Group: 3%
10. Prudential plc: 3%

Moat of QBE Insurance Group Limited:

QBE Insurance Group Limited has a moderate moat, mainly supported by its geographical diversification and specialized insurance products. This diversification enables QBE to manage risks better and to react flexibly to regional market changes.

Compared to major competitors like Allianz and AXA, which have more extensive resources and a stronger global presence, QBE's moat is less pronounced. Companies like Munich Re and Zurich Insurance Group also have strong positions, especially through their reinsurance and specialty insurance segments, giving them a significant advantage.

Overall, QBE has a solid but not outstanding moat compared to its larger competitors. Competition in the insurance industry is intense, and many of the larger companies have a stronger moat due to their size, brand recognition, and financial strength.

Revenue Growth: 8% (2024) Net Profit Growth: 10% (2024) Combined Ratio: 93.5% (2024)

In 2024, QBE Insurance Group Limited recorded a revenue growth of 8%, attributed to an improved market position and effective risk management strategies. The 10% net profit growth indicates efficient cost control and successful claims management.

A combined ratio of 93.5% indicates that the company is operating profitably, as values below 100% suggest that premium income exceeds the costs for claims and operating expenses.

The strategic focus on digital transformation and expansion into high-growth markets could further strengthen future growth potential. These factors suggest that QBE Insurance Group Limited's stock is an attractive investment opportunity, especially for investors interested in stable and long-term returns.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Continuous payout over the last 5 years

QBE Insurance Group Limited regularly pays dividends to its shareholders. The dividend yield for the year 2025 is estimated to be around 4.5%. Over the past five years, the company has pursued a consistent dividend policy, indicating a reliable payout.

The reliability of the dividend is supported by the company's stable financial performance and conservative capital management. QBE has demonstrated in the past its ability to pay dividends even in economically challenging times, strengthening investor confidence.