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Admiral Group ADM.L

United Kingdom Financial Services
6.3/10
AI Analyst score
36.78 GBP
Last price at analysis date · analyst target 40.05 (+8.9%)
+10.7% (1 year)
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🟡 HOLD — Hold; business quality is high, but lack of growth and average valuation limit short-term upside potential.

Admiral Group is a British insurer specializing in car, home, and other property and casualty insurance, operating mainly in the UK, Spain, Italy, France, and the US, with a direct and digital business model. Admiral Group shows exceptional profitability (ROE 45.56%) and solid margins (17.72%), but earnings growth is negative (-17.8%) and valuation is not particularly attractive (P/E 16.87). Underwriting discipline in H1 2026 is a positive, although the market has partially priced it in.

Financial health
8.7
Quality / Moat
6.4
Valuation
4.1
Growth
2.9
Dividend
3.5
Momentum
7.2
Risk & Context
9.1

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E16.87
Fwd P/E13.43
EV/EBITDA11.47
P/B7.41
P/S2.19
PEG2.31
Market cap10.99 B GBP
Enterprise value11.27 B GBP
🏰 Quality and moat
ROIC (approx.)24.9%
Gross margin40.26%
FCF conversion-452%
Operating margin17.72%
📈 Profitability and margins
ROE45.56%
ROA6.68%
Net margin13.36%
FCF-4.44 B GBP
FCF yield-40.38%
🏦 Solvency and liquidity
Total debt2.08 B GBP
Net debt352.4 M GBP
Cash1.73 B GBP
EBITDA983.2 M GBP
Net debt / EBITDA0.36
D/E139.04
Current ratio6.13
Quick ratio3.98
🚀 Growth
Revenue growth-0.00%
Earnings growth-17.80%
EPS (TTM)2.18 GBP
EPS (Fwd)2.74 GBP
💰 Dividend and risk
Dividend yield0.04%
Payout72.9%
Beta0.20
Analyst consensusBuy (15)
Target price40.05 GBP
52-week range26.24 GBP – 41.28 GBP
⚠️ Main risk: The main risk is UK regulatory pressure on general insurance pricing, which could compress margins in an already mature and competitive motor market.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Admiral Group is a British insurer specializing in car, home, and other property and casualty insurance, operating mainly in the UK, Spain, Italy, France, and the US, with a direct and digital business model. Admiral Group shows exceptional profitability (ROE 45.56%) and solid margins (17.72%), but earnings growth is negative (-17.8%) and valuation is not particularly attractive (P/E 16.87). Underwriting discipline in H1 2026 is a positive, although the market has partially priced it in.

Score by category

CategoryScore
Financial health8.7
Quality / Moat6.4
Valuation4.1
Growth2.9
Dividend3.5
Momentum7.2
Risk & Context9.1

OVERALL SCORE: 6.3/10

Context and risks

Moderate regulatory risk in the UK (FCA) on general insurance pricing, which may pressure margins. Interest rate exposure is limited given Admiral's business profile.

News considered in the analysis

  • Admiral Group (LSE:ADM) Stock Fair Value Rises After Split Analyst Target Changes — Ajustes de precio objetivo por parte de analistas tras la publicación de resultados; refleja una revisión positiva moderada del consenso.
  • Financial Services Roundup: Market Talk — Compilación genérica de comentarios de mercado sin información específica nueva sobre Admiral.
  • Admiral Group (LSE:ADM) Stock Gets Fair Value Bump As Analysts Rework Targets — Confirmación de la revisión al alza de valoraciones por parte de los analistas, consistente con la primera noticia.
  • Admiral Group PLC (AMIGF) (H1 2026) Earnings Call Highlights: Strong Underwriting Discipline ... — Resultados del primer semestre destacan una fuerte disciplina suscriptora, un factor clave para la rentabilidad futura en el ramo de automóviles.
  • Admiral Group H1 Earnings Call Highlights — Resumen de la conferencia de resultados, refuerza la visión positiva sobre la gestión y la estrategia.

Verdict: Hold; business quality is high, but lack of growth and average valuation limit short-term upside potential.

Main risk: The main risk is UK regulatory pressure on general insurance pricing, which could compress margins in an already mature and competitive motor market.

Other Financial Services companies

Neighbours in the sector ranking, to compare without going back to the index.

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.