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Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Insurance Australia Group Limited underwrites general insurance products in Australia and New Zealand. The company offers short-tail insurance, including motor vehicle, home and contents, business packages, farm and crop, commercial property, construction and engineering, commercial motor and fleet motor, and marine insurance, as well as lifestyle and leisure, such as boat, veteran and classic car, and caravan insurance. It also provides business insurance products comprising compulsory third party, workers' compensation, professional indemnity, directors' and officers', and public and products liability insurance. In addition, the company offers pleasure craft, travel, rural and horticultural, personal liability and commercial liability, and life insurance, as well as income protection and reinsurance products. It sells its products through branches, call centers, the Internet, representatives, brokers, agents, and financial institutions, as well as directly through call center and online channels; and third parties under the NRMA Insurance, SGIO, SGIC, RACV, Coles Insurance, CGU Insurance, WFI, Swann Insurance, NZI, State, AMI, and Lumley, as well as AmAssurance, Kurnia, and SBI General brands. The company was formerly known as NRMA Insurance Group Limited and changed its name to Insurance Australia Group Limited in 2002. Insurance Australia Group Limited was founded in 1925 and is headquartered in Sydney, Australia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Equity (BVPS) 2.21
2.18
2.15
2.25
2.66
2.77
2.92
2.77
2.85
2.64
growth rate -1.4% -1.4% 4.7% 18.2% 4.1% 5.4% -5.1% 2.9% -7.4%
Earnings BIT 402.00
614.00
443.00
1,729.00
1,922.00
1,056.00
1,205.00
1,421.00
1,464.00
1,389.00
568.00
growth rate 52.7% -27.9% 290.3% 11.2% -45.1% 14.1% 17.9% 3.0% -5.1% -59.1%
Avg.PE 78.13
28.33
34.97
10.89
10.89
16.85
23.00
27.23
19.43
20.93
14.94
growth rate -63.7% 23.4% -68.9% 0.0% 54.7% 36.5% 18.4% -28.6% 7.7% -28.6%
ROA 0.46
1.15
0.86
3.10
4.52
2.38
2.03
3.12
3.19
3.64
growth rate 150.0% -25.2% 260.5% 45.8% -47.4% -14.7% 53.7% 2.2% 14.1%
ROE 1.99
5.62
4.73
17.00
21.72
10.88
9.34
14.16
14.31
16.46
growth rate 182.4% -15.8% 259.4% 27.8% -49.9% -14.2% 51.6% 1.1% 15.0%
ROIC 2.78
5.62
4.97
14.51
18.69
growth rate 102.2% -11.6% 192.0% 28.8%
Leverage 4.56
5.19
5.79
5.19
4.52
4.61
4.58
4.51
4.46
4.57
growth rate 13.8% 11.6% -10.4% -12.9% 2.0% -0.7% -1.5% -1.1% 2.5%
Balance Sheet Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Acct.Receivable 2,330.00
2,687.00
2,811.00
3,462.00
3,406.00
3,520.00
3,607.00
3,787.00
3,958.00
growth rate 15.3% 4.6% 23.2% -1.6% 3.4% 2.5% 5.0% 4.5%
Acct.Payable 4,415.00
5,051.00
4,676.00
5,645.00
7,482.00
6,192.00
6,067.00
6,132.00
6,375.00
growth rate 14.4% -7.4% 20.7% 32.5% -17.2% -2.0% 1.1% 4.0%
Cur.Assets 5,664.00
7,988.00
8,958.00
7,669.00
10,108.00
8,948.00
10,099.00
10,899.00
11,281.00
11,684.00
growth rate 41.0% 12.1% -14.4% 31.8% -11.5% 12.9% 7.9% 3.5% 3.6%
Total Assets 20,446.00
23,029.00
25,132.00
24,859.00
29,748.00
31,402.00
30,030.00
29,597.00
29,766.00
29,286.00
growth rate 12.6% 9.1% -1.1% 19.7% 5.6% -4.4% -1.4% 0.6% -1.6%
Cash 416.00
1,332.00
2,066.00
1,620.00
3,001.00
1,433.00
1,104.00
1,480.00
1,201.00
1,659.00
growth rate 220.2% 55.1% -21.6% 85.3% -52.3% -23.0% 34.1% -18.9% 38.1%
Cur.Liabilities 8,836.00
9,727.00
11,041.00
11,058.00
13,313.00
14,760.00
13,347.00
13,858.00
14,096.00
13,993.00
growth rate 10.1% 13.5% 0.2% 20.4% 10.9% -9.6% 3.8% 1.7% -0.7%
Liabilities 15,960.00
18,265.00
20,392.00
19,661.00
22,764.00
24,186.00
22,998.00
22,586.00
22,586.00
22,331.00
growth rate 14.4% 11.7% -3.6% 15.8% 6.3% -4.9% -1.8% 0.0% -1.1%
LT Debt 1,100.00
1,377.00
1,659.00
1,620.00
1,752.00
1,762.00
1,962.00
1,624.00
1,960.00
2,080.00
growth rate 25.2% 20.5% -2.4% 8.2% 0.6% 11.4% -17.2% 20.7% 6.1%
Equity 4,486.00
4,417.00
4,343.00
4,786.00
6,568.00
6,817.00
6,563.00
6,562.00
6,669.00
6,404.00
growth rate -1.5% -1.7% 10.2% 37.2% 3.8% -3.7% 0.0% 1.6% -4.0%
Common Shares 2,037.00
2,032.00
2,028.00
2,078.00
2,244.00
2,333.00
2,407.00
2,404.00
2,306.00
2,519.00
growth rate -0.3% -0.2% 2.5% 8.0% 4.0% 3.2% -0.1% -4.1% 9.2%
Cash Flow Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Capital Expenditures 707.00
-75.00
533.00
1,279.00
-17.00
growth rate -100.0% 100.0% 140.0% -100.0%
Cash Dividends 386.00
377.00
288.00
562.00
823.00
913.00
705.00
623.00
803.00
750.00
growth rate -2.3% -23.6% 95.1% 46.4% 10.9% -22.8% -11.6% 28.9% -6.6%
Cash From OA 1,115.00
620.00
1,514.00
1,790.00
1,077.00
698.00
-1,946.00
636.00
-53.00
589.00
growth rate -44.4% 144.2% 18.2% -39.8% -35.2% -100.0% 100.0% -100.0% 100.0%
FCF per Share -6.57
-4.15
-3.80
-5.85
-6.02
-6.58
-4.40
2.15
0.08
0.12
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -96.3% 50.0%
Sale Purchase of Stock 1,422.00
500.00
growth rate -64.8%
FCF -13,383.00
-8,428.00
-8,109.00
-13,655.00
-13,449.00
-12,147.00
-1,946.00
636.00
-53.00
589.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0% 100.0%
Income Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Sales 8,019.00
7,949.00
8,361.00
8,959.00
9,483.00
11,122.00
8,104.00
8,692.00
8,078.00
7,806.00
7,327.00
growth rate -0.9% 5.2% 7.2% 5.9% 17.3% -27.1% 7.3% -7.1% -3.4% -6.1%
Op.Income 402.00
342.00
595.00
1,729.00
1,922.00
1,056.00
1,205.00
1,421.00
1,464.00
1,389.00
568.00
growth rate -14.9% 74.0% 190.6% 11.2% -45.1% 14.1% 17.9% 3.0% -5.1% -59.1%
IBT 402.00
614.00
443.00
1,593.00
1,816.00
955.00
925.00
1,347.00
1,413.00
1,337.00
535.00
growth rate 52.7% -27.9% 259.6% 14.0% -47.4% -3.1% 45.6% 4.9% -5.4% -60.0%
Net Income 91.00
342.00
595.00
776.00
1,233.00
728.00
625.00
929.00
923.00
1,076.00
435.00
growth rate 275.8% 74.0% 30.4% 58.9% -41.0% -14.2% 48.6% -0.7% 16.6% -59.6%
EPS 0.04
0.12
0.10
0.37
0.55
0.31
0.26
0.39
0.41
0.43
growth rate 200.0% -16.7% 270.0% 48.7% -43.6% -16.1% 50.0% 5.1% 4.9%
Gross Profit 912.00
1,130.00
1,244.00
2,130.00
2,144.00
1,282.00
541.00
844.00
704.00
343.00
560.00
growth rate 23.9% 10.1% 71.2% 0.7% -40.2% -57.8% 56.0% -16.6% -51.3% 63.3%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT 193.00
193.00
91.00
91.00
growth rate 0.0% -52.9% 0.0%
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 3,958.00
4,129.00
4,129.00
growth rate 4.3% 0.0%
Acct.Payable 6,375.00
13,085.00
13,085.00
growth rate 105.3% 0.0%
Cur.Assets 11,684.00
11,328.00
11,328.00
growth rate -3.1% 0.0%
Total Assets 29,286.00
29,053.00
29,053.00
growth rate -0.8% 0.0%
Cash 1,659.00
969.00
969.00
growth rate -41.6% 0.0%
Cur.Liabilities 13,993.00
19,303.00
19,303.00
growth rate 38.0% 0.0%
Liabilities 22,331.00
22,448.00
22,448.00
growth rate 0.5% 0.0%
LT Debt 2,080.00
1,532.00
1,532.00
growth rate -26.4% 0.0%
Equity 6,404.00
6,177.00
6,177.00
6,177.00
growth rate -3.5% 0.0% 0.0%
Common Shares 6,617.00
6,617.00
6,617.00
growth rate 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures
growth rate
Cash Dividends 231.00
231.00
231.00
growth rate 0.0% 0.0%
Cash From OA 91.50
91.50
91.50
growth rate 0.0% 0.0%
FCF
growth rate
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 1,883.00
1,883.00
1,780.50
1,780.50
growth rate 0.0% -5.4% 0.0%
Op.Income 193.00
193.00
193.00
91.00
91.00
growth rate 0.0% 0.0% -52.9% 0.0%
IBT 179.50
179.50
179.50
88.00
88.00
growth rate 0.0% 0.0% -51.0% 0.0%
Net Income 141.50
141.50
76.00
76.00
growth rate 0.0% -46.3% 0.0%
Gross Profit -91.00
-91.00
371.00
371.00
growth rate 0.0% 100.0% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (24.62)

YOY Growth Grade:

E (19.68)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.94 14.94 11.76
EPS / Growth -7.6% 0.36 4.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.2% 1.2%
Future PE 2.00 9.72 9.72
Future EPS 0.40 0.41 0.41
Value Price
MOS %
0.20
0.98
0.98
MOS Price 0.10 0.49 0.49
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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