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Admiral Group plc
ADM.L: LSELowest reading is at 30 out of 100. All scores are out of 100.
About The Company
CEO
Ms. Milena Mondini-de-Focatiis
Market Cap
10.81 Billion GBp
Sector
Financial Services
Website
https://admiralgroup.co.ukLast Update
26/09/2026, 10:18:48
Description
Admiral Group plc, a financial services company, provides insurance and personal lending products in the United Kingdom, France, Italy, and Spain.
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Strongest readings
- ✔Dividend growth averages 20.42% per year
- ✔Price-to-earnings of 16.1 is below the market average of 19.6
Weakest readings
- ✘A high share of income is paid out as dividend (92.92%)
- ✘The current price sits above estimated fair value (margin of safety -71.52%)
- ✘Share count has been rising at 0.13% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 16.12x | 19.60x | |
| ✘ | Margin of safety (DCF) | -71.52% | 17.95% | |
| ✔ | Revenue growth (5y average) | 16.53% | 10.97% | |
| ✔ | Dividend yield (TTM) | 5.76% | 1.85% | |
| ✘ | Share count, per year | 0.13% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
30 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 16.12x | 19.60x | |
| ✘ | Free cashflow yield | 3.76% | 4.70% | |
| ✔ | Price / earnings growth | 1.17x | 1.50x | |
| Price / book | 721.67x | — | ||
| ✘ | Margin of safety | -71.52% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 1.03 Thousand GBp is below the current price of 3.62 Thousand GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 80.6 GBp ✘
Current Price: 3618 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
56 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 16.53% | 10.97% | |
| ✘ | Earnings growth | 13.76% | 14.48% | |
| ✘ | Cashflow growth | 10.68% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
44 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| Altman-Z score | N/A | 3.00 | ||
| ✘ | Piotroski score | 4.00 | 5.00 | |
| Debt / equity | N/A | 0.80x | ||
| Current ratio | N/A | 1.00x | ||
| Interest coverage | N/A | 2.50x | ||
| Free cashflow / debt | N/A | 0.15x | ||
| Debt / capital | N/A | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
56 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 5.76% | 1.85% | |
| ✔ | Dividend growth | 93.46% | 0.00% | |
| ✘ | Payout ratio (earnings) | 92.92% | 40.00% | |
| ✘ | Payout ratio (cashflow) | 153.28% | 65.00% | |
| ✘ | Worst year, last 5 years | -53.93% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
- ✘The dividend was cut within the last five years (worst year -53.93% per share)
Management
58 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| Return on equity | N/A | 15.00% | ||
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 8.23% | — | ||
| Free cashflow return on capital | N/A | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.13% | 0.00% | |
| ✔ | Share count, recent | -0.83% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 27.79% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 30 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
ADM.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Admiral Group plc
Currency
GBp
Beta
0.197
Vol Avg
637963
Ceo
Ms. Milena Mondini-de-Focatiis
Cik
Cusip
Exchange
LSE
Full Time Employees
14805
Industry
Insurance - Property & Casualty
Sector
Financial Services
Ipo Date
Address
Ty Admiral
City
Cardiff
State
Country
United Kingdom
Zip
CF10 2EH
Phone
44 3332 202 062
Analysis Last Updated
26/09/2026, 10:18:48
Financial data compiled from SEC EDGAR filings and Yahoo Finance.