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Insurance Australia Group
Insurance Australia Group (IAG) investor relations material
Insurance Australia Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary11 Feb, 2026
Executive summary
Net profit after tax for 1H26 was $505 million, down 35.1% year-over-year, with strong capital generation and EPS at 21.37 cents.
Gross written premium (GWP) rose 6% to $8,929 million, driven by the RACQI acquisition and underlying growth in key segments.
Integration of RACQ/RACQI is progressing well, contributing ~$500 million GWP in four months and delivering reinsurance synergies.
Announced an on-market share buyback of up to $200 million, supported by strong capital position.
Interim dividend of 12 cents per share, payout ratio of 56%.
Financial highlights
Underlying insurance profit was $804 million, with a 15.1% margin; reported insurance margin was 13.5% due to RACQI perils.
Reported insurance profit fell 24.3% to $724 million, impacted by higher perils and integration costs.
Retail businesses in Australia and New Zealand delivered underlying growth of ~4%, with Australian retail GWP up 14.4% (includes RACQ/RACQI).
New Zealand retail reported insurance margin over 28%, underlying margin 26%.
Administration expense ratio improved to 11.7%, with a material reduction in expense ratio and admin costs improved 20 bps YoY.
Outlook and guidance
FY26 GWP growth expected to be high single-digit, with double-digit growth in 2H26, supported by RACQI and strong retail performance.
Maintaining FY26 insurance profit guidance of $1,550–$1,750 million, targeting a 15% reported insurance margin and ROE through the cycle.
FY26 reported insurance profit expected at the lower end of the range due to one-off RACQI impact; assumes net natural peril costs of $1,617 million.
Expecting stronger second half retail growth, with RACQ contributing 9%.
Commercial markets expected to remain soft; discipline in pricing and underwriting to continue.
RACQI reinsurance integration impact on H2?
Greensill litigation: Update on A$7bn exposure
RACWA acquisition path post-ACCC decision?
RACQ underlying margin trajectory?
Motor new business volume recovery strategy?
Profit commission's sustainable run rate?
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Next Insurance Australia Group earnings date
H2 202612 Aug, 2026
Insurance Australia Group
Next Insurance Australia Group earnings date
H2 202612 Aug, 2026
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Frequently asked questions
Insurance Australia Group Ltd is a general insurance company offering personal and commercial insurance products, including coverage for motor vehicles, homes, businesses, and farms. The company operates through various brands across Australia and New Zealand, serving individuals and businesses with risk management solutions. Insurance Australia Group operates within the financial services sector, specifically insurance. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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