Admiral Group stock analysis
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Admiral Group (AMIGY) Stock Price & Analysis
AMIGY Stock Chart & Stats
- Day’s Range
- $51.79 - $51.79
- 52-Week Range
- $35.94 - $56.09
- Previous Close
- $52.56
- Volume
- N/A
- Average Volume (3M)
- 1,533
- Market Cap
- $15.82B
- Enterprise Value
- $17.21B
- Total Cash (Recent Filing)
- $313.00M
- Total Debt (Recent Filing)
- $2.07B
- Price to Earnings (P/E)
- 17.3
- Beta
- 0.06
- Next Earnings
- Mar 11, 2027 (Est.)
- EPS Estimate
- 1.72
- Last Dividend Ex-Date
- Sep 04, 2026
- Dividend Yield
- 4.08%
Bulls Say, Bears Say
Bulls Say
Accelerating Revenue Growth
The sharp improvement in 2025 revenue growth indicates stronger business momentum and expanding policy or customer activity. If sustained, higher scale can support operating leverage, reinforce market position, and provide a broader earnings base over the next several quarters.
Healthy Operating Margins
Mid-teens net profitability and roughly 20% EBITDA margins show that Admiral is converting revenue into meaningful earnings while maintaining solid operating economics. This margin base can support investment, dividends, and resilience if competitive or claims conditions remain manageable.
Improved Cash Generation
The substantial 2025 increase in operating and free cash flow strengthens Admiral’s ability to fund operations, capital needs, and shareholder distributions internally. Free cash flow also ran close to net income, providing stronger evidence that recent reported earnings were supported by cash conversion.
Bears Say
Rising Leverage
Increasing debt relative to equity reduces financial flexibility and makes results more sensitive to any weakening in profitability or underwriting conditions. Although equity remains positive and ROE is strong, the pack notes that leverage is a growing balance-sheet risk.
Choppy Historical Cash Flow
The uneven history of cash generation means the strong 2025 result may not translate smoothly into every future period. Variability attributed to working-capital or timing effects can complicate capital planning and make internally funded growth and distributions less predictable.
Earnings And Margin Volatility
The normalization from unusually high earlier margins shows that Admiral’s earnings can vary materially across periods. Sensitivity to insurance cycles, reserving, and one-off effects may limit the durability of recent profitability and make forward earnings less dependable.
Admiral Group News
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Admiral Group Stock Smart Score
Company Description
Admiral Group
Admiral Group plc, a financial services company, provides insurance and personal lending products in the United Kingdom, France, Italy, and Spain. It operates through four segments: UK Insurance, European Insurance, Admiral Money, and Other. The company offers underwriting services that include motor, household, pet, travel, and other insurance, as well as car and home insurance; and distributes and underwrites unsecured personal loans, car finance products, and secured homeowner loans. It provides its insurance products and services under the Admiral, Admiral Business, Admiral Money, Admiral Pioneer, Balumba, Bell, Connect by Admiral, ConTe.it Assicurazioni, ConTe.it Prestiti, Diamond, Gladiator, L'olivier assurance, More Than, Qualitas Auto, and Veygo brand names. The company was formerly known as Admiral Group Limited and changed its name to Admiral Group plc in September 2004. Admiral Group plc was founded in 1993 and is headquartered in Cardiff, the United Kingdom.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Milena Mondini de Focatiis
- Employees
- 15,000
- Website
- www.admiralgroup.co.uk
- Address
- Ty Admiral, Cardiff, WA, CF10 2EH, GB
Admiral Group (AMIGY) Earnings & Revenues
AMIGY Company Deck
AMIGY Earnings Call
Earnings Call SentimentPositive
The call conveyed a strongly positive operational and financial performance in FY2025 — record group and U.K. Motor profits, robust capital and dividend increases, clear progress on AI and data, and improving diversification (Admiral Money, Other Personal Lines and Europe). Near‑term headwinds were acknowledged: U.K. Motor pricing pressure in 2025, higher loss ratios and claims inflation, some one‑off impacts in Europe, and a cautious 2026 profit outlook (expected to be broadly flat) as reserve and underwriting dynamics normalize. Overall, the strategic direction (AI acceleration, multi‑product growth, selective M&A, and a revised capital return framework) and strong balance sheet underpin a positive medium‑term outlook despite cyclical and market‑pricing risks.
View all AMIGY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 5 | 6 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 8 | 0 | 4 |











