Admiral’s Intangible Assets Should Continue to Drive Quality Underwriting and Quality Growth
Admiral is a rare example of an insurance company with a narrow moat.
Admiral Group PLC ADM
Bulls Say, Bears Say
Bulls
Admiral’s investments in data and proprietary technology have led to market-leading underwriting over a long period.
Bears
In 2025, Admiral Money customer growth was unusually high.
Trading Information
- Previous Close Price
- GBX3,800.00
- Day Range
- GBX3,760.00–3,816.00
- 52-Week Range
- GBX2,638.00–4,128.00
- Bid/Ask
- GBX3,784.00 / GBX3,788.00
- Shares Outstanding
- 300.00M
- Market Cap
- GBX1.14T
- Volume/Avg
- 118,049 / 731,965
Key Statistics
- Price/Earnings (Normalized)
- 16.68
- Price/Sales
- 2.33
- Dividend Yield (Trailing)
- 3.77%
- Dividend Yield (Forward)
- 3.77%
- Dividend Payment Schedule
- Jun, Oct
- Total Yield
- 3.77%
Company Profile
Admiral is a personal lines insurer that operates predominantly in the United Kingdom. The business is primarily a motor insurer with UK and European auto insurance accounting for the majority of gross premium. The company also has a nascent but growing UK home insurance division. The company was established in 1993 to sell nonstandard risk motor insurance. These nonstandard policyholders included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years the company has expanded its nonstandard risks perimeter.
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Stock Style Box
- Mid Core
- Total Number of Employees
- 15,105
- Website
- https://www.admiralgroup.co.uk
Competitors
Valuation
|
Metric
|
ADM
|
CS
|
AV.
|
|---|---|---|---|
Price/Earnings (Normalized) | 16.68 | 15.30 | 13.35 |
Price/Book Value | 7.58 | 1.92 | 2.16 |
Price/Sales | 2.33 | 0.77 | 0.31 |
Price/Cash Flow | 13.53 | — | 4.75 |
Price/Earnings
ADM
CS
AV.
Financial Strength
|
Metric
|
ADM
|
CS
|
AV.
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | 37.07 | 14.65 | 3.40 |
Quick Ratio
No chart available
Profitability
|
Metric
|
ADM
|
CS
|
AV.
|
|---|---|---|---|
Return on Assets (Normalized) | 8.22% | 1.31% | 0.46% |
Return on Equity (Normalized) | 50.73% | 18.43% | 18.52% |
Return on Invested Capital (Normalized) | 22.92% | 7.55% | 12.62% |
Return on Assets
ADM
CS
AV.
Insurance - Property & Casualty Industry Comparables
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| Chubb Ltd
CB
| LOCK|?$v$?%$ | LOCK|cw<Dr | $137B | |||
| Progressive Corp
PGR
| LOCK|YY@%qx&m | LOCK|Jm#F | $131B | |||
| Tokio Marine Holdings Inc ADR
TKOMY
| LOCK|L@N?qr | LOCK|Y# | $104B | |||
| Tokio Marine Holdings Inc
TKOMF
| — | LOCK|HD | $104B | |||
| The Travelers Companies Inc
TRV
| LOCK|!%zVn# | LOCK|@z?Y | $81B | |||
| Allstate Corp
ALL
| LOCK|<K?s<r | LOCK|@#% | $64B | |||
| MS&AD Insurance Group Holdings Inc
MSADF
| — | LOCK|D$# | $48B | |||
| MS&AD Insurance Group Holdings Inc ADR
MSADY
| — | LOCK|xY | $48B | |||
| WR Berkley Corp
WRB
| LOCK|YHCgpj< | LOCK|&kRH | $27B | |||
| Markel Group Inc
MKL
| LOCK|<@QNS>Q | LOCK|s> | $23B |
United States