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Admiral Group PLC (GB:ADM)
LSE:ADM
UK Market
ADM
Admiral
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Admiral (ADM) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Aug 06, 2026
Before Open (Confirmed)
Period Ending
2026 (Q2)
Consensus EPS Forecast
1.17
Last Year’s EPS
1.33
Same Quarter Last Year
Analyst Consensus
Hold
Based on 2 Analysts Ratings

Earnings Call Summary

Q4 2025
Earnings Call Date:Mar 05, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call conveys a predominantly positive tone: Admiral delivered record profits, strong shareholder returns, robust capital ratios and meaningful strategic progress (AI, diversification, Europe recovery, Admiral Money growth). These positives are tempered by short-term market and pricing pressures in U.K. Motor, higher loss ratios versus the exceptionally strong 2024 comparators, and some one-off/restructuring impacts in parts of Europe. Management expects flat group profit in 2026 as the less-profitable 2025 underwriting year feeds through but emphasises continued strategic investment, internal-model progress and optionality from buybacks and M&A to drive medium-term value.
Company Guidance
Management guided that 2026 should see group profit broadly flat versus 2025’s record GBP 958m (up 16% y/y), with turnover modestly higher and faster growth coming from U.K. Personal Lines, Admiral Money and Europe; U.K. Motor pricing has started to rise (low single‑digit increases) to offset mid‑single‑digit claims inflation, and reserve strength will move from near‑maximum toward the middle of the range during 2026. Capital guidance: year‑end solvency was 193%, the post‑internal‑model target range is 150–170% (upper end), the proposed final dividend is 90p (total 205p; ~£620m; +7% y/y) with an ordinary payout of 65% of earnings, the 90% total‑return guidance should broadly hold and the Board will use buybacks (interim and final 2026 subject to approval) alongside share purchases for schemes (trust bought ~1m shares for ~£30m in Q4 and expects ~3m purchases in 2026); the Flock acquisition would reduce solvency by a little under 10pp if completed. Technology and efficiency guidance includes scaling >150 gen‑AI initiatives supporting >4,000 colleagues, leveraging predictive AI (c.£100m incremental loss‑ratio value to date) and targeting >£100m p.a. of efficiency benefits by 2028.
Record Group Profit
Group profit hit a record GBP 958m in 2025, up 16% year-on-year (or +28% if excluding the Ogden impact), reflecting disciplined execution and group-wide contribution.
U.K. Insurance and U.K. Motor Milestones
U.K. Insurance profit reached GBP 1.1bn and U.K. Motor profit passed the GBP 1bn mark (record). Customer base reached 9.6m in the U.K. (U.K. customers +9% y/y) and vehicles covered have grown at a 5% CAGR since 2020.
Strong Capital Metrics and Shareholder Returns
Solvency ratio of 193%, return on equity of 53%, and total dividend of 205p per share (final 90p), a 7% increase in dividend per share versus 2024. Share scheme purchases started and buyback/cancel introduced as a new distribution option from 2026.
Customer Growth and Experience
Group customer base increased ~7% overall; Net Promoter Score above 50 (U.K. NPS >55); multi-product customers reached ~1.6m, up 14% year-on-year, improving retention and lifetime value.
Admiral Money Strong Performance
Admiral Money profit doubled versus 2024, supported by balance sheet growth and profitable use of forward-flow loan sales and newly originated loan sales off-balance-sheet; credit loss experience remains solid.
Europe Return to Profitability
Europe returned to combined profitability with a regional combined ratio of 94% (improvement of >10 points y/y). Italy recovered to a small profit (c. GBP 30m improvement), France delivered GBP 16m profit and double-digit turnover/profit growth.
Technology, AI and Efficiency Progress
Accelerated AI and data progress: more than 150 gen AI initiatives supporting 4,000+ colleagues; predictive AI delivered >GBP 100m of incremental loss-ratio value to date; target of >GBP 100m annual efficiency benefit by 2028 from automation and gen AI.
M&A and Strategic Moves
Integration of More Than completed and contributed positively; Elephant disposal completed; announced intention to acquire Flock (telemetry-based fleet proposition) subject to regulatory approval, seen as strategic fit to extend fleet/commercial footprint.

Admiral (GB:ADM) Earnings, Revenues Date & History

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GB:ADM Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Aug 06, 2026
2026 (Q2)
1.17 / -
1.325―――
Mar 05, 2026
2025 (Q4)
1.06 / 1.11
1.391-19.91% (-0.28)――
Aug 14, 2025
2025 (Q2)
1.26 / 1.32
0.77570.97% (+0.55)――
Mar 06, 2025
2024 (Q4)
1.13 / 1.39
0.539158.07% (+0.85)――
Aug 15, 2024
2024 (Q2)
0.71 / 0.78
0.57634.55% (+0.20)――
Mar 07, 2024
2023 (Q4)
0.60 / 0.54
0.571-5.60% (-0.03)――
Aug 16, 2023
2023 (Q2)
0.64 / 0.58
0.669-13.90% (-0.09)――
Mar 08, 2023
2022 (Q4)
0.59 / 0.57
0.635-10.08% (-0.06)――
Aug 10, 2022
2022 (Q2)
0.51 / 0.67
1.327-49.59% (-0.66)――
Mar 03, 2022
2021 (Q4)
0.50 / 0.64
0.966-34.27% (-0.33)――
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

GB:ADM Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Mar 05, 2026
2783.07 p2995.21 p+7.62%
Aug 14, 2025
3170.45 p3381.32 p+6.65%
Mar 06, 2025
2631.80 p2763.34 p+5.00%
Aug 15, 2024
2487.49 p2649.48 p+6.51%
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 PLC (GB:ADM) report earnings?
Admiral Group PLC (GB:ADM) is schdueled to report earning on Aug 06, 2026, Before Open (Confirmed).
    What is Admiral Group PLC (GB:ADM) earnings time?
    Admiral Group PLC (GB:ADM) earnings time is at Aug 06, 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 the P/E ratio of Admiral Group PLC stock?
          The P/E ratio of Admiral is N/A.
            What is GB:ADM EPS forecast?
            GB:ADM EPS forecast for the fiscal quarter 2026 (Q2) is 1.17.