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Admiral Group (ADM) investor relations material
Admiral Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary14 Aug, 2025
Executive summary
Pre-tax profit reached a record £521m, up 69% year-over-year, with 1 million new customers and a 10% increase in customer base to 11.4m.
UK Motor profit rose 56%, driven by disciplined growth and strong underwriting; UK Household and Admiral Money profits more than doubled.
Interim dividend declared at 115p per share, up 62%, with an 88% payout ratio.
Sale of US business (Elephant) announced, expected to complete in 2025; US results now classified as discontinued.
Continued investment in data, technology, and AI to enhance efficiency and customer experience; Net Promoter Score above 50%.
Financial highlights
Pre-tax profit up 69% to £521m; EPS up 72% to 132.5p; both record six-month figures.
Return on equity at 57% (+12pts); solvency ratio at 194% post-dividend.
Interim dividend increased to 115p per share, nearly 90% of first-half earnings.
Turnover flat at £3.1bn; insurance revenue up 18% to £2.47bn; customer base up 10%.
Admiral Money on-balance sheet loans grew 25% to £1.3bn; off-balance sheet loans at £200m.
Outlook and guidance
Customer and top-line growth expected in all operations except Italy, subject to market conditions.
H2 turnover likely to be below H1 due to lower average premiums and seasonality.
Group profit to be supported by 2024 UK Motor underwriting year; improved results expected in UK Home, Admiral Money, and France.
Claims inflation for 2025 projected at 5–7%; margins expected to be lower than 2024 but still profitable.
Market premiums in motor expected to need increases soon to avoid margin deterioration.
What's driving UK Motor's lower written premiums?
Assess European Insurance's claims reserve setting.
Explain Admiral Money's loan sales impact.
How will consolidation impact the motor market?
What's driving the EV portfolio growth?
What's the target profitability for Europe?
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Next Admiral Group earnings date
H2 20255 Mar, 2026
Next Admiral Group earnings date
H2 20255 Mar, 2026
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Frequently asked questions
Admiral Group plc provides insurance services, including motor, home, and travel insurance products. The company also operates price comparison websites and offers personal lending services. Its primary markets are in the United Kingdom and selected international territories. The company is headquartered in Cardiff, United Kingdom, and its shares are listed on the LSE.
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