Admiral Group plc (ADM.L)
Admiral is a major UK insurance group best known for its car insurance, though it also offers home, travel, and pet cover.
Is Admiral Group plc a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Strong brand recognition in the UK market. Worth weighing: Recent decline in revenue and earnings growth. Below, we lay out what it does, what its numbers mean, and the honest risks, so you can decide for yourself.
Over about 2 years to 2026-07-31. This is the share price only - reinvesting the dividends would add to it. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Admiral Group plc actually fallen?
Over the last 2 years of daily prices, Admiral Group plc fell as much as −28% from a high to a later low. Drops of this size are a normal part of owning a share - worth knowing in advance, so a dip doesn't come as a shock.
Worst peak-to-trough fall in the daily closing price over the period we hold. Past falls are not a forecast - it can fall further, or recover.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
Strong diversification into new financial services pays off.
Long-term decline in car ownership or insurance demand.
What does Admiral Group plc do?
Admiral makes its money by collecting premiums from customers and paying out claims when accidents or mishaps occur. They are famous for their 'multi-car' policies and have expanded into other areas like personal loans and home insurance to keep growing. It comes down to how they balance the cost of rising repair bills against the prices they charge customers.
On our factor screen it looks strongest on momentum and quality, and weakest on growth.
- ✓Pays a dividend - about 4.2% a year
- !Revenue slipped about 4% over the year
- ✓Strong return on shareholder money (ROE 53%)
- Momentum screens high (80/100)
- Strong brand recognition in the UK market
- High return on equity suggests efficient management
- Consistent history of paying dividends to shareholders
- Growth screens low (17/100)
- Rising costs of vehicle parts and labour
- Strict and changing government regulations
- Economic downturn reducing consumer spending on insurance
What do Admiral Group plc's numbers mean?
Does Admiral Group plc pay a dividend?
Yes - Admiral Group plc currently pays a dividend of about 4.2% a year (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it.
What do the numbers say about Admiral Group plc's dividend?
There's no rating here, and we don't judge whether the dividend will continue - that would be advice. Here are the figures income investors usually look at, and what each one means, so you can weigh it up yourself.
Figures are from the latest available data and can be distorted by one-off results. Past payments don't predict future ones, and a dividend can be cut at any time. This lays out the numbers to help you understand them - it is not a view on what will happen.
When does Admiral Group plc report earnings, and how did recent quarters go?
Admiral Group plc is next scheduled to report on about 2026-08-06 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Financial Services
What are the scenarios for Admiral Group plc?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Admiral Group plc?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Strong brand recognition in the UK market
- High return on equity: How much profit the company makes for each £1 shareholders have put in. Higher usually means a more efficient business. suggests efficient management
- Consistent history of paying dividends to shareholders
- Recent decline in revenue and earnings growth
- Highly competitive industry with little room for error
- High price-to-book: The share price versus the company's net assets per share (its book value). Under 1 can look cheap, though it varies a lot by industry. ratio compared to some peers
- Rising costs of vehicle parts and labour
- Strict and changing government regulations
- Economic downturn reducing consumer spending on insurance
The write-up's own warning lights — if these start happening, the case above changes.
- A sustained return to double-digit revenue growth
- A significant drop in the company's dividend payout ratio
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.