AMIGF Stock Financial Analysis - Admiral Group plc (OTCPK) Stock

Overview

Admiral Group plc is an insurance company based in Cardiff, Wales, UK. It primarily specializes in car insurance, but also offers home, travel, and pet insurance. Founded in 1993, the company has expanded internationally with operations and subsidiaries in several countries including Spain, Italy, France, and the United States. Admiral Group is known for its innovative business model, focusing heavily on direct sales and online services to maintain low operational costs. Key projects include the launch of Admiral Rewards, a loyalty program that offers cashback and discounts, and ongoing investments in digital technology to enhance customer interaction and streamline claims processes. The company also actively engages in environmental sustainability practices, aiming to reduce its carbon footprint.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Admiral Group plc as of June 30, 2025 is 5,244.10 MM.
The operating income for Admiral Group plc as of June 30, 2025 is 1,123.90 MM.
The net income for Admiral Group plc as of June 30, 2025 is 826.90 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	5,244.10	1,123.90	826.90
2025-03-31	5,026.20	1,013.40	745.10
2024-12-31	4,808.30	902.90	663.30
2024-09-30	4,340.05	738.00	532.10
2024-06-30	3,996.00	575.40	400.90
2024-03-31	3,753.60	532.55	369.45
2023-12-31	3,511.20	489.70	338.00
2023-09-30	3,374.85	446.15	308.30
2023-06-30	3,238.50	402.60	278.60
2023-03-31	3,130.80	394.20	282.55
2022-12-31	3,023.10	385.80	286.50
2022-09-30	2,677.85	430.80	329.60
2022-06-30	2,332.60	475.80	372.70
2022-03-31	1,943.05	603.65	685.30
2021-12-31	1,553.50	731.50	997.90
2021-09-30	1,518.40	782.35	1,045.30
2021-06-30	1,483.30	833.20	1,092.70
2021-03-31	1,394.00	730.45	810.75
2020-12-31	1,304.70	627.70	528.80
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	2.17	2.17
2024-09-30	1.74	1.74
2024-06-30	1.31	1.31
2024-03-31	1.21	1.21
2023-12-31	1.11	1.11
2023-09-30	1.02	1.01
2023-06-30	0.92	0.92
2023-03-31	0.94	0.93
2022-12-31	0.95	0.95
2022-09-30	1.10	1.10
2022-06-30	1.25	1.24
2022-03-31	2.30	2.29
2021-12-31	3.36	3.34
2021-09-30	3.52	3.51
2021-06-30	3.69	3.69
2021-03-31	2.75	2.74
2020-12-31	1.80	1.79
2020-06-30	1.68	1.68
2020-03-31	1.58	1.58

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Admiral Group plc as of June 30, 2025 is 349.70 MM.
The cash from investing activities for Admiral Group plc as of June 30, 2025 is -58.70 MM.
The cash from financing activities for Admiral Group plc as of June 30, 2025 is -353.20 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	349.70	-58.70	-353.20
2025-03-31	359.35	-101.45	-305.55
2024-12-31	369.00	-144.20	-257.90
2024-09-30	398.25	-146.20	-309.95
2024-06-30	427.50	-148.20	-362.00
2024-03-31	353.25	-112.05	-266.90
2023-12-31	279.00	-75.90	-171.80
2023-09-30	263.55	-89.30	-185.20
2023-06-30	248.10	-102.70	-198.60
2023-03-31	362.50	-101.85	-311.80
2022-12-31	476.90	-101.00	-425.00
2022-09-30	597.50	-93.50	-470.10
2022-06-30	718.10	-86.00	-515.20
2022-03-31	481.35	150.90	-540.00
2021-12-31	244.60	387.80	-564.80
2021-09-30	266.60	394.85	-604.40
2021-06-30	288.60	401.90	-644.00
2021-03-31	448.70	179.40	-571.05
2020-12-31	608.80	-43.10	-498.10
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-06-30
2020-03-31

Management Effectiveness

The roa for Admiral Group plc as of June 30, 2025 is 0.09.
The roe for Admiral Group plc as of June 30, 2025 is 0.60.
The roic for Admiral Group plc as of June 30, 2025 is 0.24.
The croic for Admiral Group plc as of June 30, 2025 is -0.01.
The ocroic for Admiral Group plc as of June 30, 2025 is 0.13.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.09	0.60	0.24	-0.01	0.13
2025-03-31	0.09	0.60	0.24	-0.01	0.13
2024-12-31	0.06	0.40	0.17	-0.04	0.18
2024-09-30	0.06	0.40	0.17	-0.04	0.18
2024-06-30		0.40
2024-03-31		0.35
2023-12-31			0.28	0.01
2023-09-30			0.36	-0.04
2023-06-30		0.32
2023-03-31		0.32
2022-12-31
2022-09-30		0.00
2022-06-30		0.00	0.00
2022-03-31		0.00
2021-12-31		0.00	0.00
2021-09-30	0.00	0.00
2021-06-30	0.14		0.47	-0.00	0.12
2021-03-31	0.11	0.77	0.35	0.01	0.19
2020-12-31	0.07	0.58	0.30	0.04	0.35
2020-06-30	0.07	0.60	0.27	-0.04	0.09
2020-03-31	0.06	0.56	0.25	-0.04	0.11

Gross Margins

The gross margin for Admiral Group plc as of June 30, 2025 is 0.39.
The net margin for Admiral Group plc as of June 30, 2025 is 0.14.
The operating margin for Admiral Group plc as of June 30, 2025 is 0.19.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.39	0.14	0.19
2025-03-31	0.39	0.14	0.19
2024-12-31	0.35	0.10	0.14
2024-09-30	0.35	0.10	0.14
2024-06-30
2024-03-31
2023-12-31
2023-09-30		0.21	0.30
2023-06-30		0.21	0.30
2023-03-31		0.23	0.31
2022-12-31
2022-09-30
2022-06-30		0.00	0.00
2022-03-31
2021-12-31
2021-09-30
2021-06-30	0.82	0.74	0.56
2021-03-31	0.79	0.58	0.52
2020-12-31	0.76	0.41	0.48
2020-06-30	0.78	0.35	0.44
2020-03-31	0.76	0.34	0.42

DE:FLN	€40.22
GB:ADM	£3,342.00
GB:ADML