Suncorp Group Limited
Suncorp Group Limited Fundamental Analysis
Suncorp Group Limited (SNMYF) shows moderate financial fundamentals with a PE ratio of 12.20, profit margin of 5.91%, and ROE of 9.56%. The company generates $25.1B in annual revenue with strong year-over-year growth of 26.42%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SNMYF's fundamental strength across five key dimensions:
Efficiency Score
WeakSNMYF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSNMYF trades at attractive valuation levels.
Growth Score
ExcellentSNMYF delivers strong and consistent growth momentum.
Financial Health Score
ModerateSNMYF shows balanced financial health with some risks.
Profitability Score
WeakSNMYF struggles to sustain strong margins.
Key Financial Metrics
Is SNMYF Expensive or Cheap?
P/E Ratio
SNMYF trades at 12.20 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SNMYF's PEG of -0.23 indicates potential undervaluation.
Price to Book
The market values Suncorp Group Limited at 1.20 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.64 times EBITDA. This signals the market has high growth expectations.
How Well Does SNMYF Make Money?
Net Profit Margin
For every $100 in sales, Suncorp Group Limited keeps $5.91 as profit after all expenses.
Operating Margin
Core operations generate 8.50 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.56 in profit for every $100 of shareholder equity.
ROA
Suncorp Group Limited generates $3.34 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Suncorp Group Limited produces operating cash flow of $5.76B, showing steady but balanced cash generation.
Free Cash Flow
Suncorp Group Limited generates strong free cash flow of $5.76B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.32 in free cash annually.
FCF Yield
SNMYF converts 21.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.20
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.23
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.20
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.31
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How SNMYF Stacks Against Its Sector Peers
| Metric | SNMYF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.20 | 18.50 | Better (Cheaper) |
| ROE | 9.56% | 809.00% | Weak |
| Net Margin | 5.91% | 2211.00% | Weak |
| Debt/Equity | 0.31 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 692.04 | Weak Liquidity |
| ROA | 3.34% | -24328.00% (disorted) | Weak |
SNMYF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Suncorp Group Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
50.28%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
240.61%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
29.92%
Industry Style: Value, Dividend, Cyclical
High Growth