Suncorp Group Ltd (SUNPH) fair value: what the stock is really worth
As of Jul 10, 2026: fair value of Suncorp Group Ltd A$12.48, price A$101, upside -87.6%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Suncorp Group Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range A$80.20 – A$100.83 · fair‑value band A$9.36 – A$15.60 · the A$100.83 price screens above the A$12.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Follow Suncorp Group in your weekly email
Every Wednesday you see whether Suncorp Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Suncorp Group Limited provides insurance and banking products and services to retail, corporate, and commercial customers in Australia and New Zealand. The company operates through Consumer Insurance; Commercial and Personal Injury; and Suncorp New Zealand segments.
Show more
Suncorp Group Limited provides insurance and banking products and services to retail, corporate, and commercial customers in Australia and New Zealand. The company operates through Consumer Insurance; Commercial and Personal Injury; and Suncorp New Zealand segments. The Consumer Insurance segment provides insurance products, including home and contents, motor, and boat insurance products. The Commercial and Personal Injury segment offers commercial motor, commercial property, marine, industrial special risks, public liability and professional indemnity, workers' compensation, and compulsory third party products. The Suncorp New Zealand segment provides 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. The company was founded in 1902 and is headquartered in Brisbane, Australia.
Stock analysis
Suncorp Group Ltd (SUNPH) currently trades at A$100.83, while our model-based Fair Value estimate is A$12.48, 87.6% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Dividend Discount group reads highest at a median of A$14.31 per share, and 0 of the 6 models we run sit above the A$100.83 price.
Bear case: the Asset-Based group reads lowest at A$5.58, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: A$9.36 (bear) to A$15.60 (bull), the price of A$100.83 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Suncorp Group Ltd reported revenue of A$15.4B in FY2024 versus A$12.0B in FY2020, a compound +6.5%/yr. Reported net income was A$1.8B in FY2024, compounding +15.3%/yr from FY2020.
Key figures
Market cap A$18.0B (≈ $12.5B) · P/E ratio 145.1 · P/S ratio 17.1 · EPS (TTM) A$0.6950 · Dividend yield 0.8% · Net margin 11.8% · Return on equity 7.1% · Return on assets (EBIT) 2.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 4% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −88%, SUNPH screens richer than that median.
Fair Value models
Bear A$9.36Fair Value A$12.48Bull A$15.60
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.2%
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
’16
’17
’18
’19
’20
’21
’22
’23
’24
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ −7.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.1%
Dividend (yield on the price)0.8%
Profit margin 2016 to 2020 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 17%
⚠ Rate on operating basis: 2024 sits 86% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+22.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +18.7% a year for the price.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 116 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Suncorp Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/SUNPH
Frequently asked questions
Is Suncorp Group Ltd (SUNPH) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of A$12.48 versus the last price from Jul 10, 2026 of A$100.83, about −88% upside (overvalued).
What is the fair value of SUNPH?
Our model-based fair value for Suncorp Group Ltd is A$12.48 (as of Oct 3, 2026), built from audited fundamentals. Last price (from Jul 10, 2026): A$100.83.
What is the quality score of SUNPH?
Suncorp Group Ltd has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Suncorp Group Ltd (SUNPH)?
Our model-based price target is the fair value of A$12.48 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario A$9.36, optimistic scenario A$15.60. It is a calculation from audited fundamentals, not an analyst target.
What is the Suncorp Group Ltd stock forecast for 2026?
Our models put fair value at A$12.48, about −88% upside versus the last price from Jul 10, 2026 of A$100.83 (overvalued). Cautious scenario A$9.36, optimistic scenario A$15.60. The calculation is refreshed regularly with new filings.
What is the revenue of Suncorp Group Ltd (SUNPH)?
Suncorp Group Ltd reported trailing-twelve-month revenue of about A$13.1B (latest available figure, as of Oct 3, 2026).
Does Suncorp Group Ltd pay a dividend?
Suncorp Group Ltd currently shows a dividend yield of about 0.77% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Suncorp Group Ltd (SUNPH)?
For today's price to be fair in a discounted-cash-flow model, Suncorp Group Ltd would have to grow free cash flow by +22.2 % per year for five years (discount rate 8.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.2 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of SUNPH use?
Our models discount Suncorp Group Ltd at 8.4 %: a base by market capitalisation (large), damped by beta 0.73, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Suncorp Group Ltd that is +22.2 % per year a year over ten years, using the same discount rate (8.4 %) and the same formula as our fair value.
How much growth has Suncorp Group Ltd (SUNPH) delivered so far?
Over the past 5 years revenue at Suncorp Group Ltd grew +5.2 % a year. The price currently implies +22.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Suncorp Group Ltd (SUNPH) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Suncorp Group Ltd (+22.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Suncorp Group Ltd (SUNPH)?
The free-cash-flow yield on the price is 2.34 %: that much free cash flow Suncorp Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Suncorp Group Ltd (SUNPH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Suncorp Group Ltd it is A$12.48 per share (as of Oct 3, 2026), against a price of A$100.83. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Suncorp Group Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, SUNPH trades above its calculated fair value: price A$100.83, fair value A$12.48, a gap of about −88% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SUNPH?
No. The price is what the market pays today (A$100.83); the fair value is what the company's own numbers justify (A$12.48). For Suncorp Group Ltd the two are A$88.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is Suncorp Group Ltd worth?
The market values Suncorp Group Ltd at about A$18.0B (market capitalisation, as of Oct 3, 2026). Per share that is A$100.83; our models calculate a fair value of A$12.48 per share.
What do the bullish and bearish scenarios say about SUNPH?
Our models span a range for Suncorp Group Ltd: cautious scenario A$9.36, base A$12.48, optimistic A$15.60 per share (as of Oct 3, 2026, price A$100.83). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SUNPH?
Suncorp Group Ltd trades at a price-to-earnings ratio of 145.1 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$12.48 is built from several models across several years.
How solid is the balance sheet of Suncorp Group Ltd (SUNPH)?
Balance-sheet figures for Suncorp Group Ltd (as of Oct 3, 2026): return on equity 7.1%, debt of 0.24 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is SUNPH from its 52-week high?
Suncorp Group Ltd trades at A$100.83, at its 52-week high of A$100.83 and 4% above the low of A$96.52 (as of Jul 10, 2026). Distance from the high says nothing about value: that is what the fair value of A$12.48 is for.
Which stocks are comparable to Suncorp Group Ltd?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Suncorp Group Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price A$100.83, calculated fair value A$12.48 (−88%), Quality Score 66/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SUNPH calculated?
We run Suncorp Group Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$12.48, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Suncorp Group Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Suncorp Group Ltd (SUNPH)?
The latest price we hold is from Jul 10, 2026 and stands at A$100.83. Our model-based fair value is A$12.48, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Suncorp Group Ltd right now?
The price sits above even our optimistic bull case (A$15.60). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Suncorp Group Ltd
How large is the market capitalisation of Suncorp Group Ltd (SUNPH)?
The market capitalisation of Suncorp Group Ltd is A$18.0B (≈ $12.5B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Suncorp Group Ltd (SUNPH)?
The price-to-sales ratio of Suncorp Group Ltd is 17.1 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Suncorp Group Ltd (SUNPH)?
Earnings per share at Suncorp Group Ltd are A$0.6950 (price ÷ EPS = P/E 145.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Suncorp Group Ltd (SUNPH)?
The dividend yield of Suncorp Group Ltd is 0.8% (payout 112%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Suncorp Group Ltd (SUNPH)?
The net margin of Suncorp Group Ltd is 11.8% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Suncorp Group Ltd (SUNPH)?
The return on equity (ROE) of Suncorp Group Ltd is 7.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Suncorp Group Ltd (SUNPH)?
On an EBIT basis the return on assets of Suncorp Group Ltd is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Suncorp Group Ltd (SUNPH)?
The operating margin of Suncorp Group Ltd is 10.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Suncorp Group Ltd (SUNPH)?
Revenue at Suncorp Group Ltd is growing +24.0% versus a year earlier (3y avg +11.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Suncorp Group Ltd (SUNPH)?
Earnings per share at Suncorp Group Ltd are growing +6.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Suncorp Group Ltd (SUNPH) carry?
The net debt of Suncorp Group Ltd is A$1.2B (fiscal year 2024, ≈ 0.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Suncorp Group Ltd in the live analysis
One click puts Suncorp Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Thin data
Oct 3, 2026