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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Admiral Group
Admiral Group (ADM) investor relations material
Admiral Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary6 Aug, 2026
Executive summary
Delivered strong H1 2026 results with disciplined underwriting, strategic progress, and robust capital position at a 190% solvency ratio, absorbing the Flock acquisition and distributing £259m to shareholders.
Continued investment in technology, AI, digital capabilities, and people, with notable advances and new product launches.
Confident in ability to capture growth as market cycles turn, supported by early rate actions, strong retention, and medium-term ambitions.
Customer base grew 5% to over 12 million, with strong growth in Admiral Money and European insurance.
Financial highlights
Group profit before tax was £429.2m, down 18% year-over-year but stable versus H2 2025; EPS down 18% to 109.0p.
Turnover stable year-over-year at £3.11bn; combined ratio of 78.5%, with loss ratio stable at 57%.
UK Insurance profit before tax £485m; UK Motor profit £457m; Household, Travel, and Pet profit up 12% to £28m.
European Insurance profit before tax £17.2m, including a one-off accounting benefit; underlying profit improved to €6m.
Admiral Money profit £13.3m, with lending portfolio at £2.5bn and 20% growth in total loans under management.
Outlook and guidance
Expect stronger group profitability in H2 2026, driven by positive trends in personal lines and lower reinsurance charges.
Guidance for 2026 profit remains broadly in line with 2025, with a stronger second half anticipated.
Medium-term ambition for earnings CAGR similar or stronger than previous 7.6% five-year average.
Management remains confident in long-term growth, focusing on sustainable pricing and efficiency.
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Latest events from Admiral Group
- Record profit, 7% dividend rise, and new capital return framework with share buybacks launched.ADM
H2 2025 - Disciplined growth and efficiency in household, pet, and travel drive market outperformance and profits.ADMInvestor Update
- Profit before tax up 69% to £521m, with strong UK insurance and higher dividend.ADMH1 2025
- Pre-tax profit up 32% to £310m, led by UK Motor, strong capital, and More Than acquisition.ADMH1 2024
- Record profit, dividend growth, and board changes marked the AGM, with all resolutions passing.ADMAGM 2025
- Record profit, customer growth, and strong capital position, led by UK Motor in 2024.ADMH2 2024
Next Admiral Group earnings date
Investor update26 Nov, 2026
Admiral Group
Next Admiral Group earnings date
Investor update26 Nov, 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.