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Admiral Group plc (ADM.L)

Financial Services Balanced

Admiral is a major UK insurance group best known for its car insurance, though it also offers home, travel, and pet cover.

£37.72

Is Admiral Group plc a good stock for a UK beginner?

The honest version: Admiral is a major UK insurance group best known for its car insurance, though it also offers home, travel, and pet cover.

No rating · no target price · nothing for sale here
Price+37.0%
52-week range+8% past year
£37.72
Low £26.24High £38.16
Where today's price sits versus its past year - context, not a signal.
If you had put £1,000 into Admiral Group plc
£1,370+37%

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.

Market cap: The company's total value on the stock market - share price times the number of shares. Big = 'large-cap', small = 'small-cap'.
£11.27B
Avg volume: How many shares change hands on a typical day. Higher means it's easy to buy or exit without moving the price.
749.57K
Day range: The lowest and highest price the shares traded at during the latest day.
£37.30 – £37.94
52-week range: The lowest and highest the shares have traded over the past year - a sense of how wide the swings have been.
£26.24 – £38.16
P/E ratio: Price-to-earnings: the share price divided by yearly profit per share. Lower can mean cheaper; higher often means investors expect fast growth.
15.5
Dividend yield: The yearly dividend as a percentage of the share price - roughly the income you'd earn from dividends alone.
4.2%
Beta: How bumpy the share price is versus the whole market. Above 1 swings more than the market; below 1 is calmer. It's about the ride, not whether it goes up or down.
0.19
How bumpy is it?Beta: How bumpy the share price is versus the whole market. Above 1 swings more than the market; below 1 is calmer. It's about the ride, not whether it goes up or down. 0.19
Calm
Wild
Steadier than most

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.

Why has it been moving?▲ +0% past week · ▲ +8% past year

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.

The bull case

Strong diversification into new financial services pays off.

The bear case

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.

VQGMI
Factor profile

On our factor screen it looks strongest on momentum and quality, and weakest on growth.

Value: How cheap the stock looks versus profits, sales and assets (higher = cheaper). 32Quality: How profitable and financially healthy the company is (higher = stronger). 59Growth: How fast revenue and earnings are growing (higher = faster). 16Momentum: How the share price has been trending recently (higher = stronger recent run). 79Income: The dividend income on offer and how sustainable it looks (higher = more/steadier). 55
Quick checks
What's strong
  • Momentum screens high (79/100)
  • Strong brand recognition in the UK market
  • High return on equity suggests efficient management
  • Consistent history of paying dividends to shareholders
What to watch
  • Growth screens low (16/100)
  • 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?

P/E
14.6
This shows how much you are paying for every pound of the company's annual profit; a lower number can sometimes suggest a company is cheaper relative to its earnings.
Return on equity
53.0%
This measures how efficiently the company uses the money shareholders have invested to generate profit, and 53% is a very high figure.
Dividend yield
4.4%
This is the annual cash payout to shareholders as a percentage of the share price, representing a slice of the profit returned to you.
Beta
0.2
This indicates how much the share price moves compared to the wider market; a low number suggests the stock is generally less jumpy than the average share.

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.

More in Financial Services

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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.

£43£38£25today · £38▲ Bull · £41• Base · £38▼ Bear · £35in 1 yearILLUSTRATIVE · NOT A PREDICTION OR PRICE TARGET
Bull
+5% to +10%Claims costs stabilise and profit margins improve.
Base
-2% to +2%Market conditions remain steady with typical seasonal claims.
Bear
-5% to -10%Unexpectedly high repair costs hit the bottom line.

What are the pros and cons of Admiral Group plc?

3bull points
6bear points

How many points the write-up makes each way — a balance check, not a score or verdict.

The bull case3
  • Strong brand recognition in the UK market
  • High return on equity suggests efficient management
  • Consistent history of paying dividends to shareholders
The catch3
  • Recent decline in revenue and earnings growth
  • Highly competitive industry with little room for error
  • High price-to-book ratio compared to some peers
Key risks3
  • Rising costs of vehicle parts and labour
  • Strict and changing government regulations
  • Economic downturn reducing consumer spending on insurance
What would flip the thesis

The write-up's own warning lights — if these start happening, the case above changes.

Confidence: medium · data: GBP · flags: none · Charts by TradingView Lightweight Charts™
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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 2026-08-01 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.

Figures as of 2026-08-01. Prices may be delayed and numbers can go stale - always double-check before acting.