Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Admiral Group plc is a British financial services company specializing in non-life insurance, headquartered in Cardiff, Wales. It primarily offers motor, household, travel, and pet insurance products through well-known brands such as Admiral, Bell, Elephant, Diamond, and Veygo. The company also provides personal lending products and previously operated price comparison services like Confused.com and Compare.com, the latter sold in 2021. Established in 1991 as a division of the Brockbank Group and floated on the London Stock Exchange in 2004, Admiral Group plc has grown to employ over 10,000 people worldwide. As a FTSE 100 constituent, it plays a significant role in the UK insurance market, focusing on customer-centric services and digital innovation in personal lines insurance. Its operations emphasize competitive pricing, efficient underwriting, and expansion into international markets, solidifying its position as a key player in the financial services sector.
£39.32
+£0.38 (+0.98%)
EOD Aug 14, 2026
Net margin is thin at 14.67%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 8.2% YoY.
At 16x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
16.3x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£5.06B
▲ +8.2% YoY
Net Income (TTM)
£742M
▲ +12.0% YoY
Net Margin
14.67%
P/E
16.3x
Balance Sheet
Total Assets
£9.02B
Equity
£1.44B
Total Debt
£1.89B
Cash & Equiv.
£3.95B
3Y CAGR: +18.4%
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At a P/E of 16.3 and a price-to-free-cash-flow of 32.7, Admiral (ADM.XLON) trades below a two-stage DCF intrinsic value of about £53.82 per share, so at £39.32 the stock looks undervalued (36.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Admiral scores 86/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £53.82 per share for ADM.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £40.36. At today's £39.32, that puts the stock about 36.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Admiral scores 86 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Admiral pays a regular dividend of about £2.37 per share per year (typically in quarterly installments), a yield of roughly 6.0% at the current price. That is a payout ratio of about 96.4% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ADM.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. ADM.XLON currently trades below its estimated intrinsic value and scores 86/100 on quality (high-quality). It also yields about 6.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.