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Admiral Group (AMIGY) AI Stock Analysis
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Admiral Group
(Other OTC:AMIGY)
The score is driven primarily by solid financial performance—accelerating growth, healthy margins, and stronger 2025 cash generation—tempered by increasing balance-sheet leverage and some historical volatility. Technical signals are neutral-to-mildly constructive, and valuation is supportive given a reasonable P/E and a strong dividend yield.
Admiral Group (AMIGY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $15.90B
- Dividend Yield
- 4.07%
- Average Volume (3M)
- 9,834
- Price to Earnings (P/E)
- 17.3
- Beta (1Y)
- 0.07
- Revenue Growth
- 3.86%
- EPS Growth
- -12.19%
- Country
- US
- Employees
- 15,000
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Property & Casualty
Admiral Group Business Overview & Revenue Model
Company Description
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 comp...
How the Company Makes Money
Admiral Group makes money primarily from underwriting personal lines insurance (especially motor) and from insurance distribution activities tied to the sale and servicing of policies. Key revenue/earnings drivers typically include: (1) Underwriting...
Admiral Group Earnings Call Summary
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.
Q4-2025 Updates
Positive Updates
Negative Updates
Company Guidance
Management guided that 2026 should be broadly flat vs 2025 (2025: record group profit £958m, +16% YoY / +28% ex‑Ogden) while highlighting key metrics: a 2025 group combined ratio of 80% (3pts higher than 2024, ~2pts from Ogden), solvency ratio c.193% (post‑internal‑model target 150–170%), proposed final dividend 90p bringing total to 205p (~£620m, +7%), ordinary dividend set at 65% of earnings with historic total payout guidance ~90%, and share‑scheme buys (trust bought ~1m shares for ~£30m in H2 and expects ~3m buys in 2026); operationally they expect disciplined U.K. Motor pricing (2025 discounted 12‑month booked loss ratio ~78%, undiscounted ~85%), U.K. customer base 9.6m (+9% YoY) with group customer base growth ~7% and >1.6m multi‑product customers, group NPS >50 (U.K. >55), reserve releases ~10% YoY with reserves near the top percentile (moving toward mid‑range in 2026), Europe returning to profitability (regional combined ratio 94%, Motor profit £39m on a wall‑account), Admiral Money profits doubled, AI scale (150+ gen‑AI initiatives supporting >4,000 colleagues; predictive AI has delivered >£100m of incremental loss‑ratio value) and efficiency targets of >£100m p.a. by 2028.
Admiral Group Financial Statement Overview
Summary
Strong recent operating momentum with sharply accelerating revenue growth in 2025, solid profitability (mid-teens net margin and ~20% EBITDA margin), and a meaningful improvement in operating and free cash flow. The primary offset is rising leverage (debt-to-equity increasing to ~1.31) and historically variable profitability/cash generation, which elevates risk if conditions soften.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.57B | 5.45B | 4.87B | 3.51B | 3.02B | 1.55B |
| Gross Profit | 3.68B | 5.57B | 4.62B | 3.37B | 2.87B | 1.55B |
| EBITDA | 1.05B | 1.10B | 951.80M | 522.00M | 416.60M | 781.80M |
| Net Income | 670.92M | 726.33M | 663.30M | 338.00M | 286.50M | 997.90M |
Balance Sheet | ||||||
| Total Assets | 9.29B | 9.01B | 7.94B | 7.10B | 8.94B | 8.36B |
| Cash, Cash Equivalents and Short-Term Investments | 313.00M | 300.57M | 3.60B | 3.14B | 2.67B | 458.00M |
| Total Debt | 2.07B | 1.89B | 1.39B | 1.21B | 1.03B | 776.20M |
| Total Liabilities | 7.80B | 7.57B | 6.57B | 6.10B | 7.98B | 6.95B |
| Stockholders Equity | 1.49B | 1.44B | 1.37B | 991.80M | 885.80M | 1.41B |
Cash Flow | ||||||
| Free Cash Flow | 380.62M | 638.10M | 224.80M | 203.10M | 366.50M | 175.40M |
| Operating Cash Flow | 471.95M | 710.77M | 369.00M | 279.00M | 465.10M | 244.60M |
| Investing Cash Flow | -214.40M | -430.85M | -144.20M | -75.90M | -101.00M | 387.80M |
| Financing Cash Flow | -235.58M | -272.01M | -257.90M | -171.80M | -425.00M | -564.80M |
Admiral Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMIGY, the sentiment is Positive. The current price of 51.90 is above the 20-day moving average (MA) of 49.77, above the 50-day MA of 50.62, and above the 200-day MA of 44.95, indicating a bullish trend. The MACD of 0.46 indicates Negative momentum. The RSI at 60.08 is Neutral, neither overbought nor oversold. The STOCH value of 55.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMIGY.
Admiral Group Peers Comparison
Overall Rating
PGR87Outperform
ALL86.3Outperform
TRV84Outperform
ERIE82Outperform
MCY69Neutral- AMIGY69Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PGR | 87Outperform | $134.40B | 11.62 | 35.44% | 6.01% | 7.67% | 8.87% |
| ALL | 86Outperform | $65.71B | 5.13 | 43.13% | 1.63% | 5.92% | 134.66% |
| TRV | 84Outperform | $81.20B | 10.23 | 26.24% | 1.19% | 1.07% | 50.02% |
| ERIE | 82Outperform | $12.17B | 30.90 | 23.86% | 2.24% | 1.97% | -11.09% |
| MCY | 69Neutral | $5.67B | 6.05 | 37.19% | 1.24% | 9.95% | 140.12% |
| AMIGY | 69Neutral | $15.85B | 17.29 | 45.59% | 4.07% | 3.86% | -12.19% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AMIGY | Admiral Group Plc Unsponsored ADR | 51.90 | 10.93 | 26.69% | |
| ALL | Allstate Corp | 259.87 | 72.25 | 38.51% | |
| ERIE | Erie Indemnity | 261.39 | -17.38 | -6.24% | |
| MCY | Mercury General | 102.42 | 27.21 | 36.17% | |
| PGR | The Progressive Corporation | 231.28 | 40.02 | 20.93% | |
| TRV | Travelers Companies Inc | 396.22 | 132.59 | 50.29% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 07, 2026