Admiral Group plc
Admiral Group plc Fundamental Analysis
Admiral Group plc (AMIGY) shows strong financial fundamentals with a PE ratio of 13.31, profit margin of 13.48%, and ROE of 51.49%. The company generates $5.7B in annual revenue with strong year-over-year growth of 37.04%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze AMIGY's fundamental strength across five key dimensions:
Efficiency Score
WeakAMIGY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAMIGY trades at attractive valuation levels.
Growth Score
ExcellentAMIGY delivers strong and consistent growth momentum.
Financial Health Score
WeakAMIGY carries high financial risk with limited liquidity.
Profitability Score
ModerateAMIGY maintains healthy but balanced margins.
Key Financial Metrics
Is AMIGY Expensive or Cheap?
P/E Ratio
AMIGY trades at 13.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AMIGY's PEG of -2.00 indicates potential undervaluation.
Price to Book
The market values Admiral Group plc at 6.84 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 16.60 times EBITDA. This signals the market has high growth expectations.
How Well Does AMIGY Make Money?
Net Profit Margin
For every $100 in sales, Admiral Group plc keeps $13.48 as profit after all expenses.
Operating Margin
Core operations generate 17.61 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $51.49 in profit for every $100 of shareholder equity.
ROA
Admiral Group plc generates $8.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Admiral Group plc generates limited operating cash flow of $495.45M, signaling weaker underlying cash strength.
Free Cash Flow
Admiral Group plc produces free cash flow of $417.73M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.36 in free cash annually.
FCF Yield
AMIGY converts 3.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-2.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
6.84
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.31
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.51
vs 25 benchmark
ROA
Return on assets percentage
0.08
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How AMIGY Stacks Against Its Sector Peers
| Metric | AMIGY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.31 | 18.50 | Better (Cheaper) |
| ROE | 51.49% | 809.00% | Weak |
| Net Margin | 13.48% | 2211.00% | Weak |
| Debt/Equity | 1.31 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 692.04 | Weak Liquidity |
| ROA | 8.22% | -24328.00% (disorted) | Weak |
AMIGY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Admiral Group plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
283.28%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
45.99%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-16.96%
Industry Style: Value, Dividend, Cyclical
Declining