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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 957.90M | 839.20M | 442.80M | 469.00M | 713.50M |
| Minority interest | 0.30M | 0.40M | 0.80M | 1.20M | 1.20M |
| Net income | 742.60M | 663.30M | 338.00M | 373.00M | 583.30M |
| Selling general administrative | 772.70M | 769.10M | 654.30M | 353.10M | 347.70M |
| Gross profit | 5571.90M | 4808.30M | 3511.20M | 1493.20M | 1547.50M |
| Reconciled depreciation | 79.00M | 85.50M | 58.70M | 41.90M | 68.30M |
| Ebit | 1040.60M | 839.20M | 443.00M | 483.60M | 979.80M |
| Ebitda | 1119.60M | 924.70M | 501.50M | 525.50M | 1048.10M |
| Depreciation and amortization | 79.00M | 85.50M | 58.50M | 41.90M | 68.30M |
| Operating income | 957.90M | 866.30M | 442.80M | 483.60M | 979.80M |
| Other operating expenses | 4614.00M | 4370.00M | 3021.50M | 1024.10M | 833.90M |
| Interest expense | 82.70M | 27.10M | 20.50M | 13.40M | 13.70M |
| Tax provision | 212.50M | 176.30M | 105.60M | 97.20M | 130.20M |
| Interest income | 92.80M | 81.80M | 71.70M | 98.40M | 79.90M |
| Net interest income | -24.00M | -26.50M | -20.10M | -11.90M | -18.00M |
| Income tax expense | 212.60M | 176.30M | 105.60M | 97.20M | 130.20M |
| Total revenue | 5571.90M | 5272.90M | 3551.30M | 1493.20M | 1547.50M |
| Total operating expenses | 4614.00M | 3942.60M | 3021.50M | -1009.60M | -567.70M |
| Cost of revenue | - | 27.10M | 20.50M | - | - |
| Total other income expense net | 29.90M | -27.10M | -46.90M | -14.60M | -266.30M |
| Discontinued operations | - | - | - | - | 413.40M |
| Net income from continuing ops | 745.30M | 662.90M | 337.20M | 371.80M | 583.30M |
| Net income applicable to common shares | - | - | - | 373.00M | 997.90M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-06-30 | 2022-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-06-30 | 2022-12-31 |
| Total assets | 9022.80M | 7944.20M | 7096.20M | - | 8938.50M |
| Intangible assets | 215.50M | 208.90M | 180.60M | - | 155.30M |
| Other current assets | - | -3603.80M | 2980.80M | - | - |
| Total liab | 7579.20M | 6573.50M | 6103.40M | - | 7983.10M |
| Total stockholder equity | 1443.30M | 1370.10M | 991.80M | - | 954.20M |
| Other current liab | - | 1287.50M | 54.40M | - | -1389.40M |
| Common stock | 0.30M | 0.30M | 0.30M | - | 0.30M |
| Capital stock | 0.30M | 0.30M | 0.30M | - | 0.30M |
| Retained earnings | 1459.20M | 1383.40M | 1018.90M | - | 1114.50M |
| Good will | 112.10M | 112.10M | 62.30M | - | 62.30M |
| Other assets | - | -8325.20M | -5814.60M | - | 2633.10M |
| Cash | 301.10M | 268.40M | 353.10M | - | 297.00M |
| Total current liabilities | - | 1396.00M | 258.50M | - | 263.80M |
| Current deferred revenue | - | - | 23.90M | - | - |
| Net debt | 1592.40M | 1125.20M | 857.90M | - | 730.60M |
| Short term debt | - | 8.60M | 13.70M | - | - |
| Short long term debt total | 1893.50M | 1393.60M | 1211.00M | - | 1027.60M |
| Other stockholder equity | 13.10M | 13.10M | 13.10M | - | -160.60M |
| Property plant equipment | - | - | - | - | 89.80M |
| Total current assets | 1381.60M | 3829.00M | 6120.90M | - | 2669.70M |
| Long term investments | 5194.60M | 4764.60M | 3745.70M | - | 3411.20M |
| Net tangible assets | - | - | - | - | 736.60M |
| Short term investments | 3707.60M | 3335.40M | 2825.90M | - | 2372.70M |
| Net receivables | 1080.50M | 225.20M | - | - | 1335.80M |
| Long term debt | 1812.20M | 1314.00M | 1129.80M | - | 939.10M |
| Accounts payable | 79.30M | 52.40M | 199.20M | - | 1653.20M |
| Accumulated other comprehensive income | -29.30M | -26.70M | -40.50M | - | - |
| Non currrent assets other | 295.80M | 7247.20M | 2711.20M | - | -101.40M |
| Non current assets total | 7641.20M | 12440.40M | 6789.90M | - | 3635.70M |
| Capital lease obligations | 73.60M | 79.60M | 81.20M | - | 88.50M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -144.20M | -75.90M | -101.00M | 387.80M |
| Change to liabilities | - | - | - | 198.00M | -56.10M |
| Total cashflows from investing activities | -440.50M | -144.20M | -75.90M | -101.00M | 387.80M |
| Net borrowings | 414.70M | 355.80M | 473.30M | 258.60M | 176.30M |
| Total cash from financing activities | -278.10M | -257.90M | -171.80M | -425.00M | -564.80M |
| Change to operating activities | - | - | - | -241.00M | -164.40M |
| Net income | 742.60M | 662.90M | 338.00M | 371.80M | 996.70M |
| Change in cash | -12.50M | -39.50M | 56.10M | -75.70M | 21.00M |
| Begin period cash flow | 313.60M | 353.10M | 297.00M | 372.70M | 351.70M |
| End period cash flow | 301.10M | 313.60M | 353.10M | 297.00M | 372.70M |
| Total cash from operating activities | 726.70M | 369.00M | 279.00M | 465.10M | 244.60M |
| Depreciation | 79.00M | 85.50M | 58.50M | 41.90M | 68.30M |
| Other cashflows from investing activities | -366.20M | -82.50M | - | - | 457.00M |
| Dividends paid | 715.40M | 369.80M | 307.10M | 658.30M | 720.90M |
| Change to account receivables | - | 182.40M | -94.70M | -129.80M | -9.20M |
| Other cashflows from financing activities | 493.50M | -73.80M | -45.80M | 233.30M | 156.10M |
| Change to netincome | - | - | - | 223.00M | -566.50M |
| Capital expenditures | 74.30M | 144.20M | 75.90M | 98.60M | 69.20M |
| Change in working capital | -280.50M | 421.40M | 193.60M | -172.80M | -229.70M |
| Stock based compensation | 75.00M | 67.80M | 63.30M | 57.30M | 65.20M |
| Other non cash items | 185.60M | -868.60M | -194.10M | 166.90M | 17.30M |
| Free cash flow | 652.40M | 224.80M | 203.10M | 366.50M | 175.40M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ADM Admiral Group PLC |
-58.00 1.50% |
3800.00 | 13.26 | 13.95 | 1.92 | 6.66 | 2.22 |
| HSX Hiscox Ltd |
-13.00 0.71% |
1823.00 | 12.27 | 11.75 | 1.26 | 1.69 | 1.70 |
| PGH Personal Group Holdings PLC |
-2.50 0.58% |
425.00 | 15.80 | 14.47 | 2.35 | 2.97 | 1.88 |
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.
| Name | Title | Year Born |
|---|---|---|
| Ms. Milena Mondini-de-Focatiis | Group CEO & Exec. Director | NA |
| Mr. Geraint Jones | CFO & Exec. Director | 1977 |
| Marisja Kocznur | Head of Investor Relations | NA |
| Mr. Keith Gerald Davies | Group Chief Risk & Compliance Officer | 1968 |
| Mr. David Graham Stevens CBE | Advisor | 1962 |
| Mr. Alistair Hargreaves | Chief Operating Officer of UK Insurance | NA |
| Ms. Cristina Nestares | Chief Exec. Officer of UK Insurance | NA |
| Ms. Elena Betes Novoa | Chief Exec. Officer of Comparison Platforms | NA |
| Elisa De Blas | Head of Bus. Strategy - Admiral Seguros | NA |
| Mr. Costantino Moretti | Chief Exec. Officer of International Insurance | NA |
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