Admiral Group plc Logo

Admiral Group plc

ADM.L

(1.2)
Stock Price

2.510,00 GBp

5.41% ROA

38.14% ROE

20.9x PER

Market Cap.

8.380.504.800,00 GBp

108.45% DER

2.48% Yield

8.82% NPM

Admiral Group plc Stock Analysis

Admiral Group plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Admiral Group plc Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (26.3%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROA

The stock's ROA (2.82%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's elevated P/BV ratio (8.34x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

5 DER

The stock is burdened with a heavy load of debt (137%), making it financially unstable and potentially risky for investors.

6 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

7 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (105), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Admiral Group plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Admiral Group plc Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Admiral Group plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Admiral Group plc Revenue
Year Revenue Growth
2001 0
2002 0 0%
2003 58.651.000 100%
2004 210.515.000 72.14%
2005 263.112.000 19.99%
2006 310.966.000 15.39%
2007 363.963.000 14.56%
2008 423.000.000 13.96%
2009 507.300.000 16.62%
2010 640.800.000 20.83%
2011 870.300.000 26.37%
2012 984.300.000 11.58%
2013 924.400.000 -6.48%
2014 884.600.000 -4.5%
2015 904.800.000 2.23%
2016 1.016.800.000 11.01%
2017 1.129.300.000 9.96%
2018 1.265.200.000 10.74%
2019 1.228.100.000 -3.02%
2020 1.299.600.000 5.5%
2021 1.557.700.000 16.57%
2022 1.523.500.000 -2.24%
2023 3.909.800.000 61.03%
2024 9.814.800.000 60.16%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Admiral Group plc Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Admiral Group plc General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 27.258.000 100%
2005 319.000 -8444.83%
2006 233.000 -36.91%
2007 41.656.000 99.44%
2008 67.600.000 38.38%
2009 92.600.000 27%
2010 102.900.000 10.01%
2011 125.900.000 18.27%
2012 164.000.000 23.23%
2013 195.000.000 15.9%
2014 213.800.000 8.79%
2015 251.600.000 15.02%
2016 277.900.000 9.46%
2017 302.600.000 8.16%
2018 342.900.000 11.75%
2019 373.000.000 8.07%
2020 247.700.000 -50.59%
2021 347.700.000 28.76%
2022 353.100.000 1.53%
2023 654.300.000 46.03%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Admiral Group plc EBITDA
Year EBITDA Growth
2001 29.844.000
2002 45.992.000 35.11%
2003 67.154.000 31.51%
2004 109.914.000 38.9%
2005 124.376.000 11.63%
2006 151.074.000 17.67%
2007 186.293.000 18.91%
2008 207.679.000 10.3%
2009 223.100.000 6.91%
2010 273.000.000 18.28%
2011 308.400.000 11.48%
2012 355.300.000 13.2%
2013 100.000 -355200%
2014 -1.000.000 110%
2015 -2.900.000 65.52%
2016 -3.300.000 12.12%
2017 -9.200.000 64.13%
2018 -10.300.000 10.68%
2019 -14.800.000 30.41%
2020 -18.500.000 20%
2021 -16.800.001 -10.12%
2022 -23.300.000 27.9%
2023 59.300.000 139.29%
2024 144.000.000 58.82%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Admiral Group plc Gross Profit
Year Gross Profit Growth
2001 0
2002 0 0%
2003 58.651.000 100%
2004 210.515.000 72.14%
2005 263.112.000 19.99%
2006 310.966.000 15.39%
2007 364.134.000 14.6%
2008 422.806.000 13.88%
2009 507.500.000 16.69%
2010 640.800.000 20.8%
2011 870.300.000 26.37%
2012 984.300.000 11.58%
2013 924.400.000 -6.48%
2014 884.600.000 -4.5%
2015 904.800.000 2.23%
2016 1.016.800.000 11.01%
2017 1.129.300.000 9.96%
2018 1.265.200.000 10.74%
2019 1.228.100.000 -3.02%
2020 1.299.600.000 5.5%
2021 1.557.700.000 16.57%
2022 1.523.500.000 -2.24%
2023 3.909.800.000 61.03%
2024 9.814.800.000 60.16%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Admiral Group plc Net Profit
Year Net Profit Growth
2001 18.336.000
2002 30.937.000 40.73%
2003 39.213.000 21.11%
2004 90.506.000 56.67%
2005 84.720.000 -6.83%
2006 103.722.000 18.32%
2007 127.416.000 18.6%
2008 144.900.000 12.07%
2009 156.900.000 7.65%
2010 193.800.000 19.04%
2011 221.200.000 12.39%
2012 258.400.000 14.4%
2013 287.000.000 9.97%
2014 285.200.000 -0.63%
2015 300.000.000 4.93%
2016 222.200.000 -35.01%
2017 334.200.000 33.51%
2018 395.100.000 15.41%
2019 432.400.000 8.63%
2020 528.800.000 18.23%
2021 593.500.000 10.9%
2022 286.500.000 -107.16%
2023 338.000.000 15.24%
2024 949.600.000 64.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Admiral Group plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2020 2 0%
2021 2 50%
2022 1 0%
2023 1 100%
2024 3 66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Admiral Group plc Free Cashflow
Year Free Cashflow Growth
2001 83.641.000
2002 75.520.000 -10.75%
2003 93.308.000 19.06%
2004 82.839.000 -12.64%
2005 90.242.000 8.2%
2006 134.695.000 33%
2007 81.167.000 -65.95%
2008 107.300.000 24.36%
2009 215.000.000 50.09%
2010 200.600.000 -7.18%
2011 173.100.000 -15.89%
2012 209.500.000 17.37%
2013 222.900.000 6.01%
2014 126.300.000 -76.48%
2015 263.100.000 52%
2016 400.800.000 34.36%
2017 322.600.000 -24.24%
2018 174.100.000 -85.3%
2019 389.300.000 55.28%
2020 732.600.000 46.86%
2021 468.300.000 -56.44%
2022 210.900.000 -122.05%
2023 530.300.000 60.23%
2024 646.900.000 18.02%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Admiral Group plc Operating Cashflow
Year Operating Cashflow Growth
2001 88.211.000
2002 78.292.000 -12.67%
2003 96.229.000 18.64%
2004 84.233.000 -14.24%
2005 94.241.000 10.62%
2006 140.741.000 33.04%
2007 86.557.000 -62.6%
2008 118.600.000 27.02%
2009 226.800.000 47.71%
2010 211.700.000 -7.13%
2011 189.900.000 -11.48%
2012 220.400.000 13.84%
2013 233.000.000 5.41%
2014 176.900.000 -31.71%
2015 310.900.000 43.1%
2016 432.400.000 28.1%
2017 332.300.000 -30.12%
2018 184.100.000 -80.5%
2019 422.900.000 56.47%
2020 775.700.000 45.48%
2021 537.500.000 -44.32%
2022 309.500.000 -73.67%
2023 606.200.000 48.94%
2024 765.000.000 20.76%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Admiral Group plc Capital Expenditure
Year Capital Expenditure Growth
2001 4.570.000
2002 2.772.000 -64.86%
2003 2.921.000 5.1%
2004 1.394.000 -109.54%
2005 3.999.000 65.14%
2006 6.046.000 33.86%
2007 5.390.000 -12.17%
2008 11.300.000 52.3%
2009 11.800.000 4.24%
2010 11.100.000 -6.31%
2011 16.800.000 33.93%
2012 10.900.000 -54.13%
2013 10.100.000 -7.92%
2014 50.600.000 80.04%
2015 47.800.000 -5.86%
2016 31.600.000 -51.27%
2017 9.700.000 -225.77%
2018 10.000.000 3%
2019 33.600.000 70.24%
2020 43.100.000 22.04%
2021 69.200.000 37.72%
2022 98.600.000 29.82%
2023 75.900.000 -29.91%
2024 118.100.000 35.73%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Admiral Group plc Equity
Year Equity Growth
2001 22.268.000
2002 68.953.000 67.71%
2003 108.166.000 36.25%
2004 144.634.000 25.21%
2005 181.412.000 20.27%
2006 219.055.000 17.18%
2007 237.632.000 7.82%
2008 275.500.000 13.75%
2009 300.800.000 8.41%
2010 350.700.000 14.23%
2011 394.400.000 11.08%
2012 460.700.000 14.39%
2013 524.100.000 12.1%
2014 580.899.999 9.78%
2015 632.899.999 8.22%
2016 581.700.000 -8.8%
2017 655.799.999 11.3%
2018 771.100.000 14.95%
2019 918.600.000 16.06%
2020 1.123.400.000 18.23%
2021 1.408.500.000 20.24%
2022 955.400.000 -47.43%
2023 928.600.000 -2.89%
2023 992.800.000 6.47%
2024 1.111.100.000 10.65%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Admiral Group plc Assets
Year Assets Growth
2001 405.512.000
2002 377.392.000 -7.45%
2003 449.032.000 15.95%
2004 572.615.000 21.58%
2005 663.583.000 13.71%
2006 753.005.000 11.88%
2007 870.322.000 13.48%
2008 1.014.000.000 14.17%
2009 1.177.400.000 13.88%
2010 1.766.700.000 33.36%
2011 2.614.900.000 32.44%
2012 3.204.200.000 18.39%
2013 3.473.800.000 7.76%
2014 3.877.500.000 10.41%
2015 4.202.399.999 7.73%
2016 4.860.800.000 13.55%
2017 5.859.100.000 17.04%
2018 6.802.500.000 13.87%
2019 5.513.700.000 -23.37%
2020 5.759.000.000 4.26%
2021 6.183.600.000 6.87%
2022 6.224.500.000 0.66%
2023 6.829.200.000 8.85%
2023 5.904.300.000 -15.66%
2024 7.743.700.000 23.75%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Admiral Group plc Liabilities
Year Liabilities Growth
2001 383.244.000
2002 308.439.000 -24.25%
2003 340.866.000 9.51%
2004 427.981.000 20.35%
2005 482.171.000 11.24%
2006 533.950.000 9.7%
2007 632.690.000 15.61%
2008 738.500.000 14.33%
2009 876.600.000 15.75%
2010 1.416.000.000 38.09%
2011 2.220.500.000 36.23%
2012 2.743.500.000 19.06%
2013 42.600.000 -6340.14%
2014 3.296.600.000 98.71%
2015 3.569.500.000 7.65%
2016 4.279.100.000 16.58%
2017 5.203.300.000 17.76%
2018 6.031.400.000 13.73%
2019 4.595.100.000 -31.26%
2020 4.635.600.000 0.87%
2021 4.775.100.000 2.92%
2022 5.269.100.000 9.38%
2023 5.900.600.000 10.7%
2023 4.911.500.000 -20.14%
2024 6.632.600.000 25.95%

Admiral Group plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.84
Net Income per Share
1.31
Price to Earning Ratio
20.9x
Price To Sales Ratio
1.84x
POCF Ratio
7.58
PFCF Ratio
8.76
Price to Book Ratio
7.55
EV to Sales
2.04
EV Over EBITDA
1239.21
EV to Operating CashFlow
8.41
EV to FreeCashFlow
9.71
Earnings Yield
0.05
FreeCashFlow Yield
0.11
Market Cap
8,38 Bil.
Enterprise Value
9,29 Bil.
Graham Number
10.33
Graham NetNet
-16.62

Income Statement Metrics

Net Income per Share
1.31
Income Quality
2.76
ROE
0.38
Return On Assets
0.05
Return On Capital Employed
0.03
Net Income per EBT
0.77
EBT Per Ebit
2.18
Ebit per Revenue
0.05
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.99
Operating Profit Margin
0.05
Pretax Profit Margin
0.11
Net Profit Margin
0.09

Dividends

Dividend Yield
0.02
Dividend Yield %
2.48
Payout Ratio
0.77
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
3.61
Free CashFlow per Share
3.12
Capex to Operating CashFlow
0.13
Capex to Revenue
0.03
Capex to Depreciation
2.21
Return on Invested Capital
0.08
Return on Tangible Assets
0.05
Days Sales Outstanding
0
Days Payables Outstanding
2982.77
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.12
Inventory Turnover
0
Capex per Share
0.48

Balance Sheet

Cash per Share
5,04
Book Value per Share
3,63
Tangible Book Value per Share
2.53
Shareholders Equity per Share
3.62
Interest Debt per Share
4.12
Debt to Equity
1.08
Debt to Assets
0.16
Net Debt to EBITDA
121.81
Current Ratio
7.57
Tangible Asset Value
0,78 Bil.
Net Current Asset Value
-3,54 Bil.
Invested Capital
3105500000
Working Capital
2,69 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,00 Bil.
Average Payables
0,29 Bil.
Average Inventory
0
Debt to Market Cap
0.14

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Admiral Group plc Dividends
Year Dividends Growth
2005 9
2006 11 10%
2007 25 58.33%
2008 25 4%
2009 29 13.79%
2010 34 12.12%
2011 38 10.81%
2012 43 11.9%
2013 48 10.64%
2014 52 7.84%
2015 52 1.92%
2016 44 -18.18%
2017 55 18.52%
2018 38 -45.95%
2019 38 0%
2020 93 59.78%
2021 96 3.16%
2022 137 30.15%
2023 28 -403.7%
2024 68 59.7%

Admiral Group plc Profile

About Admiral Group plc

Admiral Group plc provides car insurance products 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, as well as offers unsecured personal and car loans, and legal services. It offers its insurance products under the Admiral, Apparent, Balumba, Bell, Diamond, Elephant, Elephant Auto, Gladiator, L'Olivier, Qualitas Auto, and WiYou Seguros brand names, as well as through Compare.com and ConTe.it. The company was founded in 1993 and is headquartered in Cardiff, the United Kingdom.

CEO
Ms. Milena Mondini-de-Focatii
Employee
13.000
Address
Ty Admiral
Cardiff, CF10 2EH

Admiral Group plc Executives & BODs

Admiral Group plc Executives & BODs
# Name Age
1 Ms. Cristina Nestares
Chief Executive Officer of UK Insurance
70
2 Ms. Elena Betes Novoa
Chief Executive Officer of Comparison Platforms
70
3 Mr. David Graham Stevens CBE
Advisor
70
4 Ms. Berengere Peter
Group Head of People Experience
70
5 Mr. Keith Gerald Davies
Group Chief Risk & Compliance Officer
70
6 Ms. Lorna Connelly
Head of Claims
70
7 Mr. Geraint Jones
Chief Financial Officer & Executive Director
70
8 Mr. Daniel John Caunt
Group Company Secretary & General Counsel
70
9 Ms. Milena Mondini-de-Focatiis
Group Chief Executive Officer & Executive Director
70
10 Marisja Kocznur
Head of Investor Relations
70

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