Admiral Group (ADM) Stock Price, Fundamentals & Analysis

What ADM does

Admiral Group (ADM) is a financial services company that 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 underwrites motor, household, pet, travel, and other insurance, and also distributes and underwrites unsecured personal loans, car finance products, and secured homeowner loans. It trades on the London Stock Exchange and is part of the FTSE 100.

Key numbers explained

• 36.18 GBP is the current share price, the amount you would pay for one share at this moment.
• The trailing P/E ratio of 16.6 shows how much investors pay per pound of the company's last 12 months' earnings; a lower number can suggest the stock is cheaper relative to its earnings.
• The forward P/E ratio of 13.2 uses expected future earnings, which can be more relevant for valuation than the trailing figure.
• 3.96% is the dividend yield, the annual dividend payment expressed as a percentage of the share price.
• The ex-dividend date of 3 Sept. 2026 is the cutoff: you must own the stock before this date to receive the next dividend.
• 73% of earnings are paid out as dividends, a measure of how much profit the company returns to shareholders.
• 0.2 is the beta, indicating the stock's volatility relative to the market; a beta below 1 suggests it is less volatile than the overall market.
• 10.81 mld. GBP is the market capitalisation, the total value of all outstanding shares.

What to watch

• Revenue growth, which is currently 0% year over year, can signal changes in the competitive environment or pricing power.
• The profit margin of 13.4% and operating margin of 17.7% show how efficiently the company turns revenue into profit.
• The debt-to-equity ratio of 139 indicates the company uses more debt than equity to finance its operations, which can amplify returns but also risk.
• The return on equity of 45.6% measures how effectively the company generates profit from shareholders' capital.
• Peer companies such as Aviva (AV), Prudential plc (PRU), and Schroders (SDR) can provide context for how the market values financial services stocks.