Admiral is a personal lines insurance company that operates predominantly in the United Kingdom. The business is mainly a motor insurer, with U.K. motor and international cars accounting for the majority of Admiral's gross written premium. The business also has a nascent but growing U.K. household insurance division. Admiral was established in 1993 to sell motor insurance to nonstandard risk policyholders. These nonstandard risks included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years, Admiral has continued to expand its wheelhouse of nonstandard risk selection.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.26
Equity-to-Asset	0.14
Debt-to-Equity	1.22
Debt-to-EBITDA	2.32
Interest Coverage	22.6
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.37	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	38.3
	3-Year EBITDA Growth Rate	-8.8
	3-Year EPS without NRI Growth Rate	-13.4
	3-Year FCF Growth Rate	-29.7
	3-Year Book Growth Rate	-3.7
	Future 3-5Y EPS without NRI Growth Rate	14.5
	Future 3-5Y Total Revenue Growth Rate	12.13

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	77.7
	9-Day RSI	85.19
	14-Day RSI	88.12
	6-1 Month Momentum %	15.19
	12-1 Month Momentum %	37.04

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.74
	Dividend Payout Ratio	0.68
	3-Year Dividend Growth Rate	-12.1
	Forward Dividend Yield %	2.68
	5-Year Yield-on-Cost %	2.67
	Shareholder Yield %	-0.2

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	9.52
	FCF Margin %	5.72
	ROE %	36.15
	ROA %	5.04
	ROIC %	5.74
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	24.46
	Forward PE Ratio	20.41
	PE Ratio without NRI	24.46
	Shiller PE Ratio	16.35
	Price-to-Owner-Earnings	12.75
	PS Ratio	2.33
	PB Ratio	8.1
	Price-to-Tangible-Book	10.72
	Price-to-Free-Cash-Flow	40.75
	Price-to-Operating-Cash-Flow	29.65
	EV-to-EBIT	19.27
	EV-to-EBITDA	17.11
	EV-to-Forward-EBITDA	15.08
	EV-to-Revenue	2.51
	EV-to-Forward-Revenue	4.34
	EV-to-FCF	43.97
	Price-to-Projected-FCF	1.64
	Price-to-Median-PS-Value	0.46
	Price-to-Graham-Number	3.41
	Earnings Yield (Greenblatt) %	5.19
	FCF Yield %	2.53
	Forward Rate of Return (Yacktman) %	0.63

GF Value: $49.85

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