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Market Price

13.89 

0.11 0.8%

as of Sep 12 '19

52 Week Range:

12.12 14.68


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

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 Insurance segment designs, manufactures, and delivers general insurance products and services, including home and contents, motor, marine, travel, commercial property, industrial special risk, public liability and professional indemnity, workers' compensation, compulsory third party, loan protection, and equity and cash benefit products. The Banking & Wealth segment designs, manufactures, and delivers banking, financial planning, and superannuation and fund administration services, such as commercial, agribusiness, small business, home and personal loans, savings and transaction accounts, foreign exchange services, treasury products and services, superannuation services, and funds administration and financial planning services. The Suncorp New Zealand segment designs, manufactures, and delivers general and life insurance products comprising home and contents, motor, commercial property, public liability and professional indemnity, life, trauma, total and permanent disablement, and income protection. 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.

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 '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Equity (BVPS) 10.52
10.87
10.88
10.98
11.10
10.87
10.53
10.44
10.55
10.57
10.48
growth rate 3.3% 0.1% 0.9% 1.1% -2.1% -3.1% -0.9% 1.1% 0.2% -0.9%
Earnings BIT 407.00
1,120.00
702.00
963.00
3,243.00
3,551.00
3,478.00
3,094.00
3,050.00
2,841.00
3,005.00
growth rate 175.2% -37.3% 37.2% 236.8% 9.5% -2.1% -11.0% -1.4% -6.9% 5.8%
Avg.PE 21.55
13.37
22.88
14.51
31.06
25.66
22.56
16.95
17.05
20.48
20.94
growth rate -38.0% 71.1% -36.6% 114.1% -17.4% -12.1% -24.9% 0.6% 20.1% 2.3%
ROA 0.36
0.78
0.47
0.76
0.51
0.77
1.19
1.08
1.11
1.08
0.18
growth rate 116.7% -39.7% 61.7% -32.9% 51.0% 54.6% -9.2% 2.8% -2.7% -83.3%
ROE 2.69
5.57
3.24
5.15
3.50
5.26
8.31
7.68
7.86
7.63
1.29
growth rate 107.1% -41.8% 59.0% -32.0% 50.3% 58.0% -7.6% 2.3% -2.9% -83.1%
ROIC 11.78
7.88
8.25
10.70
7.38
6.27
growth rate -33.1% 4.7% 29.7% -31.0% -15.0%
Leverage 7.37
6.84
6.82
6.81
6.87
6.86
7.09
7.06
7.05
7.11
7.34
growth rate -7.2% -0.3% -0.2% 0.9% -0.2% 3.4% -0.4% -0.1% 0.9% 3.2%
Balance Sheet Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Acct.Receivable 11.00
2,758.00
2,554.00
2,499.00
2,522.00
2,629.00
2,668.00
2,838.00
growth rate 24,972.7% -7.4% -2.2% 0.9% 4.2% 1.5% 6.4%
Acct.Payable 5,654.00
5,713.00
5,501.00
10,434.00
10,647.00
10,445.00
11,751.00
10,923.00
11,387.00
growth rate 1.0% -3.7% 89.7% 2.0% -1.9% 12.5% -7.1% 4.3%
Cur.Assets 86,411.00
84,307.00
12,654.00
32,784.00
33,857.00
10,107.00
10,205.00
10,392.00
11,886.00
10,265.00
10,402.00
growth rate -2.4% -85.0% 159.1% 3.3% -70.2% 1.0% 1.8% 14.4% -13.6% 1.3%
Total Assets 97,463.00
95,339.00
95,488.00
96,062.00
95,905.00
94,429.00
95,651.00
95,748.00
97,109.00
99,333.00
96,235.00
growth rate -2.2% 0.2% 0.6% -0.2% -1.5% 1.3% 0.1% 1.4% 2.3% -3.1%
Cash 2,356.00
347.00
1,497.00
1,020.00
2,325.00
1,554.00
1,710.00
2,138.00
2,215.00
1,599.00
1,488.00
growth rate -85.3% 331.4% -31.9% 127.9% -33.2% 10.0% 25.0% 3.6% -27.8% -6.9%
Cur.Liabilities 71,079.00
68,239.00
55,354.00
58,962.00
59,778.00
42,542.00
44,847.00
47,499.00
47,313.00
47,763.00
50,930.00
growth rate -4.0% -18.9% 6.5% 1.4% -28.8% 5.4% 5.9% -0.4% 1.0% 6.6%
Liabilities 84,240.00
81,406.00
81,470.00
81,935.00
81,922.00
80,630.00
82,133.00
82,178.00
83,319.00
85,360.00
83,102.00
growth rate -3.4% 0.1% 0.6% 0.0% -1.6% 1.9% 0.1% 1.4% 2.5% -2.7%
LT Debt 2,312.00
2,182.00
12,201.00
10,184.00
9,790.00
10,900.00
11,967.00
11,255.00
13,046.00
14,396.00
13,629.00
growth rate -5.6% 459.2% -16.5% -3.9% 11.3% 9.8% -6.0% 15.9% 10.4% -5.3%
Equity 13,223.00
13,933.00
14,001.00
14,110.00
13,967.00
13,773.00
13,483.00
13,561.00
13,782.00
13,963.00
13,113.00
growth rate 5.4% 0.5% 0.8% -1.0% -1.4% -2.1% 0.6% 1.6% 1.3% -6.1%
Common Shares 1,106.00
1,262.00
1,274.00
1,299.00
1,278.00
1,278.00
1,299.00
1,301.00
1,302.00
1,315.00
1,380.00
growth rate 14.1% 1.0% 2.0% -1.6% 0.0% 1.6% 0.2% 0.1% 1.0% 4.9%
Cash Flow Statement Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Capital Expenditures 144.00
124.00
0.00
-103.00
-14.00
growth rate -13.9% -100.0% 0.0%
Cash Dividends 453.00
245.00
403.00
511.00
769.00
835.00
1,004.00
875.00
831.00
865.00
854.00
growth rate -45.9% 64.5% 26.8% 50.5% 8.6% 20.2% -12.9% -5.0% 4.1% -1.3%
Cash From OA -4,743.00
-1,662.00
11,054.00
1,886.00
3,915.00
1,687.00
-441.00
-2,732.00
195.00
-1,879.00
1,842.00
growth rate 0.0% 100.0% -82.9% 107.6% -56.9% -100.0% 0.0% 100.0% -100.0% 100.0%
FCF per Share -4.42
-1.24
8.68
5.14
0.57
3.54
0.22
-1.18
-0.42
-2.04
0.06
growth rate 0.0% 100.0% -40.8% -88.9% 521.1% -93.8% -100.0% 0.0% 0.0% 100.0%
FCF -4,892.00
-1,562.00
11,054.00
2,280.00
3,915.00
1,687.00
-441.00
-2,732.00
195.00
-1,879.00
1,842.00
growth rate 0.0% 100.0% -79.4% 71.7% -56.9% -100.0% 0.0% 100.0% -100.0% 100.0%
Income Statement Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Sales 5,813.00
5,409.00
19,033.00
15,992.00
16,186.00
16,357.00
16,722.00
15,327.00
17,395.00
14,190.00
15,560.00
growth rate -7.0% 251.9% -16.0% 1.2% 1.1% 2.2% -8.3% 13.5% -18.4% 9.7%
Op.Income 460.00
1,118.00
457.00
728.00
3,243.00
3,551.00
3,478.00
3,094.00
3,050.00
2,841.00
3,005.00
growth rate 143.0% -59.1% 59.3% 345.5% 9.5% -2.1% -11.0% -1.4% -6.9% 5.8%
IBT 407.00
1,118.00
702.00
963.00
766.00
1,175.00
1,662.00
1,507.00
1,608.00
1,409.00
1,525.00
growth rate 174.7% -37.2% 37.2% -20.5% 53.4% 41.5% -9.3% 6.7% -12.4% 8.2%
Net Income 348.00
780.00
457.00
728.00
491.00
730.00
1,133.00
1,038.00
1,075.00
1,059.00
175.00
growth rate 124.1% -41.4% 59.3% -32.6% 48.7% 55.2% -8.4% 3.6% -1.5% -83.5%
EPS 0.31
0.60
0.36
0.56
0.38
0.57
0.87
0.80
0.83
0.81
0.13
growth rate 93.6% -40.0% 55.6% -32.1% 50.0% 52.6% -8.1% 3.8% -2.4% -84.0%
Gross Profit 4,676.00
14,371.00
7,998.00
7,589.00
7,178.00
5,758.00
5,803.00
5,392.00
5,596.00
5,296.00
5,386.00
growth rate 207.3% -44.4% -5.1% -5.4% -19.8% 0.8% -7.1% 3.8% -5.4% 1.7%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 809.00
647.00
647.00
growth rate -20.0% 0.0%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 2,668.00
2,568.00
2,568.00
2,838.00
2,838.00
growth rate -3.8% 0.0% 10.5% 0.0%
Acct.Payable 10,923.00
10,766.00
10,766.00
11,387.00
11,387.00
growth rate -1.4% 0.0% 5.8% 0.0%
Cur.Assets 10,265.00
13,812.00
13,812.00
10,402.00
10,402.00
growth rate 34.6% 0.0% -24.7% 0.0%
Total Assets 99,333.00
99,315.00
99,315.00
96,235.00
96,235.00
growth rate 0.0% 0.0% -3.1% 0.0%
Cash 1,599.00
1,893.00
1,893.00
1,488.00
1,488.00
growth rate 18.4% 0.0% -21.4% 0.0%
Cur.Liabilities 47,763.00
48,803.00
48,803.00
50,930.00
50,930.00
growth rate 2.2% 0.0% 4.4% 0.0%
Liabilities 85,360.00
85,691.00
85,691.00
83,102.00
83,102.00
growth rate 0.4% 0.0% -3.0% 0.0%
LT Debt 14,396.00
17,237.00
17,237.00
13,629.00
13,629.00
growth rate 19.7% 0.0% -20.9% 0.0%
Equity 13,963.00
13,609.00
13,609.00
13,113.00
13,113.00
growth rate -2.5% 0.0% -3.6% 0.0%
Common Shares 12,874.00
12,874.00
12,874.00
12,874.00
12,874.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends 195.50
259.00
259.00
growth rate 32.5% 0.0%
Cash From OA -147.50
189.50
189.50
growth rate 100.0% 0.0%
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 3,805.50
3,693.50
3,693.50
growth rate -2.9% 0.0%
Op.Income 809.00
647.00
647.00
growth rate -20.0% 0.0%
IBT 451.00
272.00
272.00
growth rate -39.7% 0.0%
Net Income 303.50
125.00
125.00
growth rate -58.8% 0.0%
Gross Profit 1,525.50
1,212.00
1,212.00
growth rate -20.6% 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:

F (9.70)

YOY Growth Grade:

F (14.56)

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 86.42 87.36 13.34
EPS / Growth -4.1% 0.16 5.6%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 7.67 7.67
Future EPS 0.18 0.18 0.18
Value Price
MOS %
0.09
-99.4%
0.33
-97.6%
0.33
-97.6%
MOS Price 0.04 0.17 0.17
IRT 62.63 62.63 62.63

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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