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Suncorp Group

DB:SU4
Snowflake Description

Solid track record average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SU4
DB
A$17B
Market Cap
  1. Home
  2. DE
  3. Insurance
Company description

Suncorp Group Limited provides insurance, banking, and wealth products and services to retail, corporate, and commercial sectors in Australia and New Zealand. The last earnings update was 153 days ago. More info.


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SU4 Share Price and Events
7 Day Returns
-1.2%
DB:SU4
-0.7%
DE Insurance
-1%
DE Market
1 Year Returns
-
DB:SU4
20.9%
DE Insurance
-6.2%
DE Market
SU4 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Suncorp Group (SU4) -1.2% 0.8% -3.6% - - -
DE Insurance -0.7% 3.8% 3.4% 20.9% 60.9% 63.3%
DE Market -1% 2.1% -1.8% -6.2% 10.4% 12.6%
1 Year Return vs Industry and Market
  • No trading data on SU4.
  • No trading data on SU4.
Price Volatility
SU4
Industry
5yr Volatility vs Market

SU4 Value

 Is Suncorp Group undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Suncorp Group to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Suncorp Group.

DB:SU4 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 9 analysts.
= Stable Book Value * Return on Equity
= A$10.00 * 9.2%
A$0.92
Book Value of Equity per Share Weighted future Book Value estimates from 6 analysts. A$10.00
Discount Rate (Cost of Equity) See below 7.7%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:SU4
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.685 (1 + (1- 30%) (145.65%))
1.257
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.26
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (1.257 * 5.96%)
7.72%

Discounted Cash Flow Calculation for DB:SU4 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Suncorp Group is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:SU4 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (9.2% – 7.72%) * A$10.00)
A$0.14
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= A$0.14 / (7.72% - 0.23%)
A$1.92
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= A$10.00 + A$1.92
A$11.92
DB:SU4 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:SU4 represents 0.6117x of ASX:SUN
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.6117x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (AUD) x Listing Adjustment Factor
= A$ 11.92 x 0.6117
€7.29
Value per share (EUR) From above. €7.29
Current discount Discount to share price of €8.05
= -1 x (€8.05 - €7.29) / €7.29
-10.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Suncorp Group is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Suncorp Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Suncorp Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:SU4 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in AUD A$0.80
ASX:SUN Share Price ** ASX (2019-07-16) in AUD A$13.16
Germany Insurance Industry PE Ratio Median Figure of 6 Publicly-Listed Insurance Companies 13.48x
Germany Market PE Ratio Median Figure of 419 Publicly-Listed Companies 19.92x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Suncorp Group.

DB:SU4 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:SUN Share Price ÷ EPS (both in AUD)

= 13.16 ÷ 0.80

16.36x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Suncorp Group is overvalued based on earnings compared to the DE Insurance industry average.
  • Suncorp Group is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Suncorp Group's expected growth come at a high price?
Raw Data
DB:SU4 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 16.36x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts
34.4%per year
Germany Insurance Industry PEG Ratio Median Figure of 5 Publicly-Listed Insurance Companies 3.11x
Germany Market PEG Ratio Median Figure of 270 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

DB:SU4 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 16.36x ÷ 34.4%

0.48x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Suncorp Group is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Suncorp Group's assets?
Raw Data
DB:SU4 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in AUD A$10.52
ASX:SUN Share Price * ASX (2019-07-16) in AUD A$13.16
Germany Insurance Industry PB Ratio Median Figure of 6 Publicly-Listed Insurance Companies 1.08x
Germany Market PB Ratio Median Figure of 565 Publicly-Listed Companies 1.75x
DB:SU4 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:SUN Share Price ÷ Book Value per Share (both in AUD)

= 13.16 ÷ 10.52

1.25x

* Primary Listing of Suncorp Group.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Suncorp Group is overvalued based on assets compared to the DE Insurance industry average.
X
Value checks
We assess Suncorp Group's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Suncorp Group has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SU4 Future Performance

 How is Suncorp Group expected to perform in the next 1 to 3 years based on estimates from 11 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
34.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Suncorp Group expected to grow at an attractive rate?
  • Suncorp Group's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Suncorp Group's earnings growth is expected to exceed the Germany market average.
  • Suncorp Group's revenues are expected to decrease over the next 1-3 years, this is below the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:SU4 Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:SU4 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts 34.4%
DB:SU4 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 11 Analysts -7%
Germany Insurance Industry Earnings Growth Rate Market Cap Weighted Average 4.7%
Germany Insurance Industry Revenue Growth Rate Market Cap Weighted Average 5%
Germany Market Earnings Growth Rate Market Cap Weighted Average 12.1%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:SU4 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:SU4 Future Estimates Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-06-30 1,278
2021-06-30 9,279 1,193 3
2020-06-30 8,949 1,165 4
2019-06-30 8,659 210 4
DB:SU4 Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2018-12-31 15,637 84 1,039
2018-09-30 15,545 -898 1,049
2018-06-30 15,452 -1,879 1,059
2018-03-31 15,419 -2,277 973
2017-12-31 16,024 -2,674 938
2017-09-30 16,710 -1,240 1,007
2017-06-30 17,395 195 1,075
2017-03-31 16,816 -174 1,060
2016-12-31 16,236 -543 1,045
2016-09-30 15,782 -1,638 1,042
2016-06-30 15,327 -2,732 1,038
2016-03-31 15,625 -2,130 1,035

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Suncorp Group's earnings are expected to grow significantly at over 20% yearly.
  • Suncorp Group's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:SU4 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below

All data from Suncorp Group Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:SU4 Future Estimates Data
Date (Data in AUD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-06-30
2021-06-30 0.91 0.96 0.86 4.00
2020-06-30 0.90 1.00 0.85 6.00
2019-06-30 0.18 0.22 0.14 4.00
DB:SU4 Past Financials Data
Date (Data in AUD Millions) EPS *
2018-12-31 0.80
2018-09-30 0.81
2018-06-30 0.82
2018-03-31 0.76
2017-12-31 0.73
2017-09-30 0.78
2017-06-30 0.84
2017-03-31 0.83
2016-12-31 0.82
2016-09-30 0.81
2016-06-30 0.81
2016-03-31 0.81

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Suncorp Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Suncorp Group's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Suncorp Group has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SU4 Past Performance

  How has Suncorp Group performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Suncorp Group's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Suncorp Group's year on year earnings growth rate has been positive over the past 5 years.
  • Suncorp Group's 1-year earnings growth exceeds its 5-year average (10.8% vs 7.9%)
  • Suncorp Group's earnings growth has exceeded the DE Insurance industry average in the past year (10.8% vs 9.4%).
Earnings and Revenue History
Suncorp Group's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Suncorp Group Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:SU4 Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 15,637.00 1,039.00 133.00
2018-09-30 15,544.50 1,049.00 133.00
2018-06-30 15,452.00 1,059.00 133.00
2018-03-31 15,418.50 972.50 121.50
2017-12-31 16,024.00 938.00 110.00
2017-09-30 16,709.50 1,006.50 110.00
2017-06-30 17,395.00 1,075.00 110.00
2017-03-31 16,815.50 1,060.00 106.00
2016-12-31 16,236.00 1,045.00 102.00
2016-09-30 15,781.50 1,041.50 102.00
2016-06-30 15,327.00 1,038.00 102.00
2016-03-31 15,624.50 1,035.00 51.00
2015-12-31 15,922.00 1,032.00
2015-09-30 16,322.00 1,082.50
2015-06-30 16,722.00 1,133.00
2015-03-31 16,644.50 973.00 -674.00
2014-12-31 16,567.00 813.00 -1,348.00
2014-09-30 16,462.00 771.50 -674.00
2014-06-30 16,357.00 730.00
2014-03-31 16,276.50 597.50 1,368.00
2013-12-31 16,196.00 465.00 2,736.00
2013-09-30 16,191.00 478.00 2,734.00
2013-06-30 16,186.00 491.00 2,732.00
2013-03-31 16,157.50 700.00 2,699.38
2012-12-31 16,129.00 909.00 2,666.76
2012-09-30 16,060.50 816.50 2,634.76

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Suncorp Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Suncorp Group used its assets more efficiently than the DE Insurance industry average last year based on Return on Assets.
  • Suncorp Group has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Suncorp Group's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Suncorp Group has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SU4 Health

 How is Suncorp Group's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Suncorp Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Suncorp Group's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Suncorp Group's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Suncorp Group's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Suncorp Group Company Filings, last reported 6 months ago.

DB:SU4 Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 13,624.00 24,786.00 3,433.00
2018-09-30 13,624.00 24,786.00 3,433.00
2018-06-30 13,973.00 25,016.00 3,358.00
2018-03-31 13,973.00 25,016.00 3,358.00
2017-12-31 13,739.00 24,416.00 3,125.00
2017-09-30 13,739.00 24,416.00 3,125.00
2017-06-30 13,790.00 23,882.00 3,888.00
2017-03-31 13,790.00 23,882.00 3,888.00
2016-12-31 13,652.00 25,056.00 3,940.00
2016-09-30 13,652.00 25,056.00 3,940.00
2016-06-30 13,570.00 24,699.00 3,986.00
2016-03-31 13,570.00 24,699.00 3,986.00
2015-12-31 13,446.00 17,321.00 2,786.00
2015-09-30 13,446.00 17,321.00 2,786.00
2015-06-30 13,518.00 24,913.00 3,413.00
2015-03-31 13,518.00 24,913.00 3,413.00
2014-12-31 13,575.00 16,684.00 3,744.00
2014-09-30 13,575.00 16,684.00 3,744.00
2014-06-30 13,799.00 24,186.00 3,417.00
2014-03-31 13,799.00 24,186.00 3,417.00
2013-12-31 13,992.00 16,750.00 3,983.00
2013-09-30 13,992.00 16,750.00 3,983.00
2013-06-30 13,983.00 26,664.00 25,601.00
2013-03-31 13,983.00 26,664.00 25,601.00
2012-12-31 14,289.00 14,832.00 4,672.00
2012-09-30 14,289.00 14,832.00 4,672.00
  • Suncorp Group's level of debt (181.9%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (120.3% vs 181.9% today).
  • Debt is not well covered by operating cash flow (0.3%, less than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 2x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Suncorp Group's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Suncorp Group has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SU4 Dividends

 What is Suncorp Group's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
5.02%
Current annual income from Suncorp Group dividends. Estimated to be 5.56% next year.
If you bought €2,000 of Suncorp Group shares you are expected to receive €100 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Suncorp Group's pays a higher dividend yield than the bottom 25% of dividend payers in Germany (1.46%).
  • Suncorp Group's dividend is above the markets top 25% of dividend payers in Germany (3.82%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:SU4 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
Germany Insurance Industry Average Dividend Yield Market Cap Weighted Average of 6 Stocks 4.1%
Germany Market Average Dividend Yield Market Cap Weighted Average of 325 Stocks 3.1%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.5%
Germany Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:SU4 Future Dividends Estimate Data
Date (Data in A$) Dividend per Share (annual) Avg. No. Analysts
2022-06-30 0.79 1.00
2021-06-30 0.74 10.00
2020-06-30 0.72 12.00
2019-06-30 0.74 12.00
DB:SU4 Past Annualized Dividends Data
Date (Data in A$) Dividend per share (annual) Avg. Yield (%)
2019-02-13 0.660 4.907
2018-08-08 0.730 5.307
2018-02-14 0.730 5.213
2017-08-02 0.730 5.402
2017-02-08 0.710 5.107
2016-08-03 0.680 5.325
2016-02-10 0.720 5.893
2015-08-03 0.880 7.024
2015-02-10 1.080 7.924
2014-08-12 1.100 7.683
2014-02-18 0.900 6.838
2013-08-20 0.800 6.221
2013-02-19 0.500 4.131
2012-08-21 0.400 4.081
2012-02-22 0.400 4.905
2011-08-24 0.350 4.245
2011-02-23 0.350 4.388
2010-08-25 0.350 3.967
2010-02-23 0.300 3.572
2009-08-25 0.400 4.612
2009-02-24 0.750 11.963
2008-08-26 1.070 13.237

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of Suncorp Group's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.2x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.3x coverage).
X
Income/ dividend checks
We assess Suncorp Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Suncorp Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Suncorp Group has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SU4 Management

 What is the CEO of Suncorp Group's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Steve Johnston
COMPENSATION A$2,385,000
TENURE AS CEO 0.2 years
CEO Bio

Mr. Steve Johnston, B.Bus (Management), B.Bus (Public Administration), is Acting Chief Executive Officer of Suncorp Group Ltd. since May 27, 2019. He was Group Chief Financial Officer of Suncorp-Metway Limited since December 09, 2013 until May 27, 2019. He was assumed responsibility for Legal and Company Secretariat at Suncorp-Metway Limited on October 13, 2017. He joined Suncorp in 2006 and has held various executive positions most recently Group CFO with responsibility for financial reporting and management, Legal and Company Secretariat, taxation, investor relations, corporate affairs and sustainability. previous roles include Deputy CFO, EGM Investor Relations and Corporate Affairs and he has played a key role in the strategic and financial management of the Group. Prior to joining Suncorp, Steve was General Manager Corporate & Government Relations at Telstra as it embarked on its digital transformation. He also held senior positions in the Queensland Government. He holds B.Bus in Management and Public Administration.

CEO Compensation
  • Steve's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Steve's remuneration is lower than average for companies of similar size in Germany.
Management Team Tenure

Average tenure of the Suncorp Group management team in years:

2.8
Average Tenure
  • The tenure for the Suncorp Group management team is about average.
Management Team

Steve Johnston

TITLE
Acting Chief Executive Officer
COMPENSATION
A$2M
TENURE
0.2 yrs

Michael Cameron

TITLE
COMPENSATION
A$5M
AGE
59
TENURE
3.8 yrs

Sarah Harland

TITLE
Chief Information Officer
COMPENSATION
A$2M
TENURE
2.8 yrs

Amanda Revis

TITLE
Chief People Experience Officer
COMPENSATION
A$2M
TENURE
3.3 yrs

Gary Dransfield

TITLE
Chief Executive Officer of Insurance
COMPENSATION
A$2M
TENURE
1.8 yrs

Paul Smeaton

TITLE
Chief Executive Officer of New Zealand
COMPENSATION
A$2M
TENURE
3.8 yrs

Fiona Thompson

TITLE
Chief Risk Officer
COMPENSATION
A$1M
TENURE
2.8 yrs

David Carter

TITLE
Chief Executive Officer of Banking & Wealth
COMPENSATION
A$2M
TENURE
2.8 yrs

Pip Marlow

TITLE
Chief Executive Officer of Customer Marketplace
COMPENSATION
A$2M
TENURE
1.8 yrs

Lisa Harrison

TITLE
Chief Program Excellence Officer
COMPENSATION
A$1M
TENURE
2 yrs
Board of Directors Tenure

Average tenure and age of the Suncorp Group board of directors in years:

1.9
Average Tenure
56
Average Age
  • The average tenure for the Suncorp Group board of directors is less than 3 years, this suggests a new board.
Board of Directors

Christine McLoughlin

TITLE
Chairman
COMPENSATION
A$329K
AGE
56
TENURE
0.8 yrs

Doug McTaggart

TITLE
Non-Executive Director
COMPENSATION
A$334K
AGE
66
TENURE
7.3 yrs

Sally Herman

TITLE
Non-Executive Director
COMPENSATION
A$344K
AGE
61
TENURE
3.8 yrs

Simon. C. Machell

TITLE
Non-Executive Director
COMPENSATION
A$266K
AGE
55
TENURE
2.3 yrs

Audette Exel

TITLE
Non-Executive Director
COMPENSATION
A$274K
AGE
56
TENURE
7.1 yrs

Lindsay Tanner

TITLE
Non-Executive Director
COMPENSATION
A$131K
TENURE
1.5 yrs

Sylvia Falzon

TITLE
Non-Executive Director
AGE
54
TENURE
0.8 yrs

Ian Hammond

TITLE
Non Executive Director
AGE
61
TENURE
0.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
09. Apr 19 Sell FIL Limited Company 05. Apr 19 05. Apr 19 -21,106,671 €8.59 €-181,210,812
09. Apr 19 Buy FIL Limited Company 01. Apr 19 03. Apr 19 863,566 €8.81 €7,497,807
02. Apr 19 Sell FIL Limited Company 11. Mar 16 01. Mar 19 -15,885,354 €9.54 €-151,606,575
02. Apr 19 Buy FIL Limited Company 12. Feb 16 29. Mar 19 31,747,719 €9.98 €316,689,913
06. Mar 19 Buy Lindsay Tanner Individual 04. Mar 19 04. Mar 19 2,175 €8.63 €18,767
21. Feb 19 Buy Sally Herman Individual 18. Feb 19 18. Feb 19 6,000 €8.32 €49,903
04. Dec 18 Buy Sylvia Falzon Individual 30. Nov 18 30. Nov 18 5,000 €8.60 €42,992
08. Nov 18 Buy Simon. C. Machell Individual 02. Nov 18 02. Nov 18 5,000 €8.73 €43,632
30. Oct 18 Buy Ian Hammond Individual 25. Oct 18 26. Oct 18 15,000 €8.71 €130,509
16. Oct 18 Sell PI Investment Management Limited Company 12. Jul 18 21. Aug 18 -8,178,824 €9.42 €-77,037,859
16. Oct 18 Buy PI Investment Management Limited Company 10. Aug 18 12. Oct 18 12,281,739 €9.03 €110,936,200
26. Sep 18 Buy Lindsay Tanner Individual 21. Sep 18 21. Sep 18 1,725 €8.95 €15,446
25. Sep 18 Buy Christine McLoughlin Individual 25. Sep 18 25. Sep 18 24,000 €8.93 €214,424
X
Management checks
We assess Suncorp Group's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Suncorp Group has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SU4 News

Simply Wall St News

SU4 Company Info

Description

Suncorp Group Limited provides insurance, banking, and wealth products and services to retail, corporate, and commercial sectors in Australia and New Zealand. It operates through Insurance, Banking & Wealth, and Suncorp New Zealand segments. The company offers home and contents, motor, marine, travel, commercial property, industrial special risk, public liability and professional indemnity, workers’ compensation, compulsory third party, loan protection, equity and cash benefit, life, trauma, total and permanent disablement, and income protection insurance products. It also provides agribusiness, property, and equipment finance; home, personal, and small business loans; savings and transaction accounts; foreign exchange, and treasury products and services; and superannuation, funds administration, and financial planning services. The company was formerly known as Suncorp-Metway Limited and changed its name to Suncorp Group Limited in December 2010. Suncorp Group Limited was founded in 1902 and is based in Brisbane, Australia.

Details
Name: Suncorp Group Limited
SU4
Exchange: DB
Founded: 1902
A$10,658,610,435
1,293,100,000
Website: http://www.suncorpgroup.com.au
Address: Suncorp Group Limited
Brisbane Square,
Level 28,
Brisbane,
Queensland, 4000,
Australia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX SUN Ordinary Shares Australian Securities Exchange AU AUD 02. Jan 1992
OTCPK SNMY.F Ordinary Shares Pink Sheets LLC US USD 02. Jan 1992
DB SU4 Ordinary Shares Deutsche Boerse AG DE EUR 02. Jan 1992
CHIA SUN Ordinary Shares Chi-X Australia AU AUD 02. Jan 1992
OTCPK SNMC.Y SPONSORED ADR Pink Sheets LLC US USD 31. Oct 2013
ASX SUNPE CNV PRF SHS (CPS3) Australian Securities Exchange AU AUD 09. May 2014
ASX SUNPF FRN CNV SUB PERP AUD100 'REGS' Australian Securities Exchange AU AUD 10. May 2017
Number of employees
Current staff
Staff numbers
0
Suncorp Group employees.
Industry
Property and Casualty Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/16 21:02
End of day share price update: 2019/07/16 00:00
Last estimates confirmation: 2019/07/15
Last earnings filing: 2019/02/13
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.