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CSL and QBE Insurance Group Ltd: 2 ASX shares to dig into

The CSL Ltd (ASX:CSL) share price is down 9.8% since the start of 2025. It's probably worth asking, 'is the CSL share price cheap?'
The CSL Ltd (ASX:CSL) share price is down 9.8% since the start of 2025. The QBE Insurance Group Ltd (ASX:QBE) share price is tracking 42.8% off its 52-week lows.

CSL share price in focus

Previously a government body, CSL is today a publicly-listed global biotechnology company that develops and delivers innovative medicines that save lives, protect public health, and help people with life-threatening medical conditions live full lives.

The company is divided into three core business units: CSL Behring, CSL Seqirus and CSL Vifor. Behring, acquired in 2004, manufactures and distributes blood plasma products. Seqirus is responsible for making flu-related products and performs pandemic-related services for governments. Finally, Vifor makes products for iron deficiency and nephrology (renal/kidney care).

CSL has developed a strong reputation with Australian investors over many decades as being a reliable company and a consistent dividend payer. With the continual rise in healthcare costs and the consistent historical performance, interest in CSL shares remains high today.

QBE shares

QBE began as a marine insurance company in Townsville in the late 1800s and has grown into one of Australia’s largest insurers.

Today, the group operates in 27 countries, offering a broad range of insurance products across the commercial, consumer, reinsurance, and agriculture sectors.

CSL & QBE share price valuation

One way to have a ‘quick read’ of where the CSL share price is could be to study something like dividend yield over time. This can give us a sense of the stability of the company and whether they can consistently pay out a percentage of profits.

Remember, the dividend yield is basically the ‘cash flow’ to a shareholder, but it can fluctuate year-to-year or between payments. Currently, CSL Ltd shares have a dividend yield of around 1.56%, compared to its 5-year average of 1.50%. In other words, CSL shares are trading higher than their historical average dividend yield. Be careful how you interpret this information though – it could mean that dividends are growing, or it could mean the share price is falling, or both. In the case of CSL, the annual report shows last year’s dividend was greater than the 3-year average, so the dividend has been growing.

QBE is offering a historical dividend yield of around 3.97%, which compares to its 5-year average of 2.84%. This is just one of many ways you could put a value on QBE shares. The Rask websites offer free online investing courses, created by analysts explaining valuation methods like Discounted Cash Flow (DCF) and Dividend Discount Models (DDM). They even include free valuation spreadsheets which can help you learn how to value a company like CSL or QBE.

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