| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
ADM Stock Overview
Admiral Group plc provides car insurance products primarily in the United Kingdom, Spain, Italy, France, India, and the United States.
Admiral Group Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£32.66 |
| 52 Week High | UK£37.06 |
| 52 Week Low | UK£28.29 |
| Beta | 0.29 |
| 1 Month Change | 5.63% |
| 3 Month Change | 7.51% |
| 1 Year Change | 11.85% |
| 3 Year Change | 55.01% |
| 5 Year Change | 82.15% |
| Change since IPO | 1,037.98% |
Recent News & Updates
Do Admiral Group's (LON:ADM) Earnings Warrant Your Attention?
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Here's Why We Think Admiral Group (LON:ADM) Is Well Worth Watching
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Shareholder Returns
| ADM | GB Insurance | GB Market | |
|---|---|---|---|
| 7D | 5.3% | 1.0% | -1.0% |
| 1Y | 11.8% | 3.2% | 8.3% |
Return vs Industry: ADM exceeded the UK Insurance industry which returned 3.2% over the past year.
Return vs Market: ADM exceeded the UK Market which returned 8.3% over the past year.
Price Volatility
| ADM volatility | |
|---|---|
| ADM Average Weekly Movement | 2.7% |
| Insurance Industry Average Movement | 3.5% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in GB Market | 10.6% |
| 10% least volatile stocks in GB Market | 2.5% |
Stable Share Price: ADM is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ADM's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1993 | 11,445 | Milena Mondini-de-Focatiis | https://admiralgroup.co.uk |
Admiral Group plc provides car insurance products primarily in the United Kingdom, Spain, Italy, France, India, and the United States. The company operates through UK Insurance, International Insurance, Admiral Loans, and Other segments. It underwrites car, van, household, and travel insurance.
Admiral Group Fundamentals Summary
| ADM fundamental statistics | |
|---|---|
| Market Cap | UK£9.51b |
| Earnings (TTM) | UK£662.40m |
| Revenue (TTM) | UK£1.48b |
14.4x
P/E Ratio6.4x
P/S RatioIs ADM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ADM income statement (TTM) | |
|---|---|
| Revenue | UK£1.48b |
| Cost of Revenue | UK£261.30m |
| Gross Profit | UK£1.22b |
| Expenses | UK£560.40m |
| Earnings | UK£662.40m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Mar 03, 2022
| Earnings per share (EPS) | 2.27 |
| Gross Margin | 82.39% |
| Net Profit Margin | 44.63% |
| Debt/Equity Ratio | 32.8% |
How did ADM perform over the long term?
See historical performance and comparisonDividends
6.2%
Current Dividend Yield68%
Payout RatioValuation
Is Admiral Group undervalued compared to its fair value and its price relative to the market?
14.36x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ADM (£32.66) is trading above our estimate of fair value (£32.61)
Significantly Below Fair Value: ADM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ADM's PE Ratio (14.4x) is in line with the UK Insurance industry average.
PE vs Market: ADM is good value based on its PE Ratio (14.4x) compared to the UK market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: ADM's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ADM is overvalued based on its PB Ratio (5.7x) compared to the GB Insurance industry average (1.3x).
Future Growth
How is Admiral Group forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
-10.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ADM's earnings are forecast to decline over the next 3 years (-10.5% per year).
Earnings vs Market: ADM's earnings are forecast to decline over the next 3 years (-10.5% per year).
High Growth Earnings: ADM's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ADM's revenue is expected to decline over the next 3 years (-11% per year).
High Growth Revenue: ADM's revenue is forecast to decline over the next 3 years (-11% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ADM's Return on Equity is forecast to be high in 3 years time (39.2%)
Past Performance
How has Admiral Group performed over the past 5 years?
18.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ADM has a high level of non-cash earnings.
Growing Profit Margin: ADM's current net profit margins (44.6%) are higher than last year (40%).
Past Earnings Growth Analysis
Earnings Trend: ADM's earnings have grown by 18.7% per year over the past 5 years.
Accelerating Growth: ADM's earnings growth over the past year (40.5%) exceeds its 5-year average (18.7% per year).
Earnings vs Industry: ADM earnings growth over the past year (40.5%) exceeded the Insurance industry 18.5%.
Return on Equity
High ROE: ADM's Return on Equity (39.6%) is considered high.
Financial Health
How is Admiral Group's financial position?
Financial Position Analysis
Short Term Liabilities: ADM's short term assets (£5.0B) do not cover its short term liabilities (£5.6B).
Long Term Liabilities: ADM's short term assets (£5.0B) exceed its long term liabilities (£898.6M).
Debt to Equity History and Analysis
Debt Level: ADM has more cash than its total debt.
Reducing Debt: ADM's debt to equity ratio has reduced from 33.7% to 32.8% over the past 5 years.
Debt Coverage: ADM's debt is well covered by operating cash flow (52.6%).
Interest Coverage: ADM's interest payments on its debt are well covered by EBIT (41.7x coverage).
Balance Sheet
Dividend
What is Admiral Group current dividend yield, its reliability and sustainability?
6.15%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ADM's dividend (6.15%) is higher than the bottom 25% of dividend payers in the UK market (1.41%).
High Dividend: ADM's dividend (6.15%) is in the top 25% of dividend payers in the UK market (4.06%)
Stability and Growth of Payments
Stable Dividend: ADM's dividend payments have been volatile in the past 10 years.
Growing Dividend: ADM's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (67.7%), ADM's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ADM's dividends in 3 years are forecast to be covered by earnings (87.9% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.6yrs
Average management tenure
CEO
Milena Mondini-de-Focatiis
1
Tenure
UK£1,608,803
Compensation
Ms. Milena Mondini-de-Focatiis has been Executive Director at Admiral Group plc since August 11, 2020 and its Chief Executive Officer since January 1, 2021. She is deeply embedded in the Admiral culture wi...
CEO Compensation Analysis
Compensation vs Market: Milena's total compensation ($USD2.19M) is below average for companies of similar size in the UK market ($USD3.97M).
Compensation vs Earnings: Insufficient data to compare Milena's compensation with company performance.
Leadership Team
Experienced Management: ADM's management team is considered experienced (2.6 years average tenure).
Board Members
Experienced Board: ADM's board of directors are considered experienced (3.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Admiral Group plc's employee growth, exchange listings and data sources
Key Information
- Name: Admiral Group plc
- Ticker: ADM
- Exchange: LSE
- Founded: 1993
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: UK£9.512b
- Shares outstanding: 291.24m
- Website: https://admiralgroup.co.uk
Number of Employees
Location
- Admiral Group plc
- Ty Admiral
- David Street
- Cardiff
- South Glamorgan
- CF10 2EH
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/19 21:10 |
| End of Day Share Price | 2022/01/19 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.