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Admiral Group (AMIGY)
OTHER OTC:AMIGY
Earnings Data
Report Date
Aug 19, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.62Last Year’s EPS
1.8Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and financial performance in FY2025 — record group and U.K. Motor profits, robust capital and dividend increases, clear progress on AI and data, and improving diversification (Admiral Money, Other Personal Lines and Europe). Near‑term headwinds were acknowledged: U.K. Motor pricing pressure in 2025, higher loss ratios and claims inflation, some one‑off impacts in Europe, and a cautious 2026 profit outlook (expected to be broadly flat) as reserve and underwriting dynamics normalize. Overall, the strategic direction (AI acceleration, multi‑product growth, selective M&A, and a revised capital return framework) and strong balance sheet underpin a positive medium‑term outlook despite cyclical and market‑pricing risks.Company Guidance
Record Group Profit
Group profit reached a record GBP 958 million in FY2025, up 16% year‑on‑year (or up 28% excluding the Ogden impact).
U.K. Insurance and Motor Milestones
U.K. Insurance delivered GBP 1.1 billion profit, with U.K. Motor profit exceeding GBP 1.0 billion (record), supported by disciplined underwriting and pricing.
Strong Capital, Dividends and Shareholder Returns
Solvency ratio remained very strong at 193%; return on equity ~53%; total dividend for the year 205p per share (proposed final 90p), a 7% increase versus 2024; company introduced buybacks alongside special dividends as part of an updated capital returns framework.
Customer Growth and Engagement
Group customer base increased ~7% year‑on‑year; U.K. customers reached 9.6 million (+9% YoY). Net Promoter Score remained high (group NPS >50; U.K. NPS >55). Multi‑product ownership rose to ~1.6 million customers (+14% YoY).
Admiral Money and New Capital‑Efficient Deals
Admiral Money profit doubled versus 2024, benefiting from balance sheet growth and sales of back‑book/newly originated loans; completed first forward flow deal enabling a more capital‑efficient growth path.
European Recovery and Market Progress
Europe returned to combined profitability with a FY2025 Motor profit of GBP 39 million (group share GBP 11m). Italy recovered (~GBP 30m improvement vs prior year), France delivered double‑digit turnover and profit growth to GBP 16m, and Spain moved to near breakeven excluding a one‑off reinsurance accounting item.
Technology, Data and AI Advancement
Significant progress in predictive AI and gen AI: over 150 gen AI initiatives across the group supporting ~4,000 colleagues; predictive AI has already delivered >GBP 100 million of incremental loss‑ratio value; target of >GBP 100 million annual efficiency gains by 2028 from automation and AI.
Strategic M&A and Portfolio Actions
Integration of More Than completed and accretive; disposal of Elephant completed; announced intent to acquire Flock (telemetry‑based fleet proposition) as a strategic fit for commercial/fleet growth (estimated solvency impact <10 percentage points if completed).
Strong Operating Ratios
Group combined ratio was 80% (FY2025), only ~3 percentage points higher than 2024 with ~2 percentage points attributable to Ogden; U.K. Motor discounted booked loss ratio at 12 months ~78% (undiscounted ~85% vs 77% in 2024).
Efficiency and Expense Progress
European motor expense ratio reduced by ~7 points since 2022; group emphasised continued cost discipline and automation opportunities to improve expense ratios (8‑point expense ratio delta versus market cited).
AMIGY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AMIGY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 05, 2026 | $38.23 | $41.00 | +7.26% |
Aug 14, 2025 | $44.24 | $47.13 | +6.53% |
Mar 06, 2025 | $34.82 | $36.63 | +5.21% |
Aug 15, 2024 | $32.90 | $35.03 | +6.49% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Admiral Group (AMIGY) report earnings?
Admiral Group (AMIGY) is schdueled to report earning on Aug 19, 2026, Before Open (Confirmed).
What is Admiral Group (AMIGY) earnings time?
Admiral Group (AMIGY) earnings time is at Aug 19, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AMIGY EPS forecast?
AMIGY EPS forecast for the fiscal quarter 2026 (Q2) is 1.62.