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Insurance U.K. Community
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Prudential
WA
WaneInvestmentHouse
Community Contributor
Prudential PLC's 2027 Vision Promises Over 10% Growth in 2025
Prudential PLC's full-year 2024 financial results show promising growth and progress toward its 2027 strategic objectives. Here are the key highlights: - New Business Profit: Up 11% to $3,078 million - Operating Free Surplus: Steady at $2,642 million - Adjusted Operating Profit: - Before tax: Up 10% to $3,129 million - After tax: Up 7% to $2,582 million - Earnings Per Share: 89.7 cents per share, an 8% increase from 2023 - Group EEV Equity: $44.2 billion - Free Surplus Ratio: 234% - Share Buybacks: Completed $1,045 million under its $2 billion program, expected to finish by end-2025 - Dividend: 23.13 cents per share, a 13% increase - Total Shareholder Returns: $1.4 billion for FY24 Looking ahead to 2025, Prudential expects growth of over 10% in new business profit, basic earnings per share, and operating free surplus.
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UK£8.83
FV
17.7% overvalued
intrinsic discount
16.00%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
3
users have followed this narrative
6 months ago
author updated this narrative
Legal & General Group
AN
AnalystConsensusTarget
Consensus Narrative from 14 Analysts
UK Demographic Shifts And Digital Transformation Will Unlock Value
Key Takeaways Ageing populations and pension system growth are driving predictable demand for retirement solutions and ongoing increases in assets under management. Strategic focus on alternatives, ESG, and digital transformation is improving revenue mix, margins, and Legal & General's long-term growth prospects.
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UK£2.62
FV
9.1% undervalued
intrinsic discount
-5.00%
Revenue growth p.a.
Set Fair Value
3
users have liked this narrative
1
users have commented on this narrative
173
users have followed this narrative
Updated
narrative
Personal Group Holdings
AN
AnalystConsensusTarget
Consensus Narrative from 1 Analyst
Digital Channels And Platform Efficiencies Will Expand Insurance Options
Key Takeaways Expanding digital insurance channels and new strategic partnerships support growth in revenues and recurring income streams. Exploring acquisitions and new insurance products could enhance market reach and contribute to earnings growth.
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UK£4.16
FV
12.5% undervalued
intrinsic discount
11.31%
Revenue growth p.a.
Set Fair Value
1
users have liked this narrative
0
users have commented on this narrative
4
users have followed this narrative
Updated
narrative
Prudential
AN
AnalystHighTarget
Consensus Narrative from 14 Analysts
Digital Transformation And Asian Demand Will Spark Secular Expansion
Key Takeaways Accelerated agent productivity, digital innovation, and emerging market exposure could drive sustained outsized growth in revenue, operating profit, and market valuation beyond consensus. Robust capital returns, IPO-related surplus, and dividend growth may materially boost EPS and rerate Prudential towards significantly higher embedded value.
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UK£15.09
FV
31.2% undervalued
intrinsic discount
11.65%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
2
users have followed this narrative
8 days ago
author updated this narrative
Admiral Group
AN
AnalystLowTarget
Consensus Narrative from 15 Analysts
Autonomous Shifts And Extreme Weather Will Cripple Profitability
Key Takeaways Regulatory support for autonomous vehicles and mobility trends will shrink the motor insurance market, threatening Admiral's revenue and core earnings over time. Greater climate risks and digital competition will erode profitability, with reliance on the mature UK market and lagging data capabilities exposing Admiral to further margin pressures.
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UK£25.13
FV
31.9% overvalued
intrinsic discount
1.10%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
8 days ago
author updated this narrative
Phoenix Group Holdings
AN
AnalystLowTarget
Consensus Narrative from 13 Analysts
Rising Regulatory Burdens And Fintech Disruption Will Squeeze Margins
Key Takeaways Shifting consumer preferences and heightened digital competition threaten legacy product revenues and customer retention, challenging future growth across retail and retirement solutions. Regulatory changes, low interest rates, and diminishing acquisition opportunities are likely to raise costs, compress margins, and constrain long-term profitability.
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UK£5.9
FV
11.1% overvalued
intrinsic discount
-30.45%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
3
users have followed this narrative
8 days ago
author updated this narrative
Legal & General Group
AN
AnalystHighTarget
Consensus Narrative from 14 Analysts
UK Annuity Leadership And Digital Investment Will Open New Frontiers
Key Takeaways Strategic partnerships, digital innovation, and market leadership in UK annuities position Legal & General for sustainable growth, strong recurring profits, and industry-leading operational leverage. Early moves in ESG investing and digital infrastructure will secure high-margin, long-duration revenue streams amid growing demand for sustainable and low-carbon assets.
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UK£3.32
FV
28.3% undervalued
intrinsic discount
-4.35%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
6
users have followed this narrative
9 days ago
author updated this narrative
Phoenix Group Holdings
AN
AnalystHighTarget
Consensus Narrative from 13 Analysts
Digital Adoption And Pension Demand Will Transform European Markets
Key Takeaways Accelerating cost-saving, digital transformation, and strong asset in-housing are expected to unlock surplus capital and drive sustained profit and margin growth. Unique market reach, digital advice, and regulatory trends position Phoenix for dominant revenue, asset growth, and high-margin recurring income in retirement products.
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UK£8.7
FV
24.6% undervalued
intrinsic discount
-29.11%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
6
users have followed this narrative
8 days ago
author updated this narrative
Admiral Group
AN
AnalystHighTarget
Consensus Narrative from 15 Analysts
Digital Adoption And Non-Motor Expansion Will Secure Market Leadership
Key Takeaways Accelerated deployment of AI and digital leadership positions Admiral for structurally lower costs, stronger margins, and faster, market-beating profitability. Rapid multi-line growth, data-driven cross-selling, and early moves in new insurance segments set the stage for accelerated revenue, retention, and sustainable market leadership.
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UK£41
FV
19.1% undervalued
intrinsic discount
11.19%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
8 days ago
author updated this narrative