Main revenue sectors:

• Car insurance
• Household insurance
• Travel insurance

TOP 3 markets and their percentage shares:

• United Kingdom: approx. 70%
• Spain: approx. 10%
• Italy: approx. 8%

Admiral Group plc generates the majority of its revenue from car insurance, which constitutes the core of its business model. The United Kingdom is the dominant market, attributed to its strong brand presence and established customer network. Spain and Italy are important growth markets where the company has expanded its presence in recent years.

Admiral Group plc is a British insurance company.

Production: Not applicable

Admiral Group plc is mainly active in the field of car insurance and also offers other insurance products such as household and travel insurance. As a service company, it does not produce physical products. Instead, the company focuses on providing insurance services and related administrative processes.

Revenue Growth: 6.8% (2024) Profit Growth: 5.2% (2024)

Admiral Group plc pursues a growth strategy that focuses heavily on diversifying its product offerings and expanding geographically. The company has increased its investments in digital technologies in recent years to enhance customer experience and improve operational efficiency.

Another key focus is on expanding international business, particularly in Europe and the USA. Admiral has also developed new insurance products to respond to changing customer needs, especially in the areas of telematics and cyber insurance.

Furthermore, Admiral is leveraging partnerships and collaborations to enter new markets and offer innovative solutions. This strategy is intended to enable the company to sustainably grow even in a highly competitive environment.

Commodities/Materials: No specific commodities

Admiral Group plc is an insurance company mainly operating in the car insurance sector. As such, the company does not import any physical commodities or materials since its main activities are in the services sector.

The company focuses on selling insurance products and services and is not involved in the production or trade of physical goods. Therefore, the import of commodities or materials is not relevant for Admiral Group plc.

Market share in the UK insurance market: approximately 11% (2024) Customer retention rate: over 85% (2024) Combined Ratio: 87.5% (2024)

Admiral Group plc has a significant competitive advantage in the British insurance market, mainly due to its strong brand presence and high customer retention rate. The company has managed to secure a market share of about 11%, making it one of the leading providers in this sector.

The high customer retention rate of over 85% indicates that Admiral is able to effectively retain its customers, pointing to excellent customer service and competitive products. A Combined Ratio of 87.5% suggests that the company operates efficiently and profitably, as values below 100% indicate that premium income exceeds the costs of claims and operating expenses.

In addition, Admiral benefits from its innovation capability, especially in the field of telematics insurance, allowing the company to offer personalized and competitive products. This further strengthens its market position and contributes to a sustainable competitive advantage.

Institutional Investor Share: approximately 75% (2025, estimated) Insider Buys/Sells: No significant transactions reported (2025)

The institutional investor share in Admiral Group plc is estimated to be around 75%. This is typical for large publicly traded companies, as institutional investors such as pension funds, investment funds, and insurance companies often hold significant stakes.

In 2025, no significant insider buys or sells were reported. This could indicate that the management and other insiders have confidence in the current company strategy and valuation. However, it is important to regularly check the latest reports and announcements to track current developments.

Market share Admiral Group plc: 6% (estimated, 2025)

Top competitors and their market shares:

1. Aviva plc: 10%
2. Direct Line Group: 8%
3. AXA UK: 7%
4. Admiral Group plc: 6%
5. Hastings Direct: 5%
6. RSA Insurance Group: 5%
7. LV=: 4%
8. Zurich Insurance Group: 3%
9. Esure Group: 3%
10. Allianz UK: 2%

Moat of Admiral Group plc:

Admiral Group plc has a moderate moat, mainly based on their strong brand awareness and pricing capabilities. Their innovation in digital insurance services and efficient cost structure also contribute to their competitive advantage.

In comparison to competitors, Aviva plc has a stronger moat due to having a broader product portfolio and larger geographic reach. Direct Line Group and AXA UK also benefit from their brand strength and extensive customer base.

Admiral Group must continue to focus on technological innovations and customer satisfaction to strengthen their moat and remain competitive.

Revenue Growth: 8.5% (2024) Profit Growth: 6.2% (2024) Return on Equity: 20% (2024) Insurance Premium Growth: 7% (2024)

In 2024, Admiral Group plc recorded solid revenue growth of 8.5%, indicating stable demand in the insurance sector. The 6.2% profit growth shows that the company is able to effectively manage its costs and remain profitable.

A return on equity of 20% is a strong indicator of the efficiency with which the company deploys its capital, suggesting high profitability. The 7% growth in insurance premiums demonstrates Admiral's ability to maintain and potentially expand its market position.

In summary, these key figures suggest that Admiral Group plc has a stable financial foundation and may be a good investment opportunity, especially for investors interested in long-term engagement in the insurance sector. However, it is important to also consider external factors such as regulatory changes and market developments.

Dividend Yield: 6.5% (2025, estimated)
Dividend History: Continuous payouts for over 10 years

Admiral Group plc is known for its reliable dividend policy. The company has been consistently paying dividends in recent years, indicating a solid financial foundation and a stable business model.

The estimated dividend yield of 6.5% in 2025 shows that Admiral Group continues to strive to offer attractive returns to its shareholders. The long-term reliability of the payouts is supported by the stable earnings and conservative management of the capital structure.

Analysts expect the dividend policy to continue in the coming years, provided there are no significant negative changes in the market environment or in the company's strategy.