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Admiral GroupAMIGF 72 Cash-to-Debt is 0.15 as of Jun. 2026, which is 69% below its 10-year median of 0.48. GuruFocus rates AMIGF with a GF Score™ of 72/100 and a GF Value™ of $50.32 (Fairly Valued). The stock has 7 warning signs investors should review. Among 486 Insurance companies, Admiral Group ranks worse than 91.98% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Admiral Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.15.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Admiral Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Admiral Group's Cash-to-Debt or its related term are showing as below:
AMIGF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 0.48 Max: 2.22
Current: 0.15
During the past 13 years, Admiral Group's highest Cash to Debt Ratio was 2.22. The lowest was 0.13. And the median was 0.48.
AMIGF's Cash-to-Debt is ranked worse than 91.98% of 486
companies
in the Insurance industry
Industry Median: 2.17
vs AMIGF: 0.15
Admiral Group (OTCPK:AMIGF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Admiral Group Cash-to-Debt Related Terms
Admiral Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Admiral Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, Admiral Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Admiral Group Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Admiral Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Admiral Group (AMIGF) has a Cash-to-Debt of 0.15 as of Jun. 2026. This is 69% below median its historical median of 0.48. Over the past decade, Admiral Group's Cash-to-Debt has ranged from 0.13 to 2.22. According to the industry distribution chart, Admiral Group ranks #447 out of 486 companies in the Insurance industry, placing it in the top 92%.
Is Admiral Group's Cash-to-Debt too high?
Admiral Group's current Cash-to-Debt of 0.15 is 69% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 2.22. The Insurance industry median Cash-to-Debt is 2.17. Admiral Group's value of 0.15 is 93.1% below this industry median. Based on the distribution chart, Admiral Group ranks #447 out of 486 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Admiral Group has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's Cash-to-Debt compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #447 out of 486 companies for Cash-to-Debt. This places Admiral Group in the lower half of its industry. The industry median Cash-to-Debt is 2.17. Admiral Group's value of 0.15 is 93.1% below this benchmark. Historically, Admiral Group's own Cash-to-Debt has ranged from 0.13 to 2.22 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 2.17, Admiral Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Admiral Group's current Cash-to-Debt of 0.15 is 93.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Admiral Group's current Cash-to-Debt is 0.15, which is 69% below median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Admiral Group stock overvalued right now?
Based on GuruFocus' analysis, Admiral Group (AMIGF) is currently considered Fairly Valued. The stock's GF Value™ is $50.32, compared to a current price of $54.08 — trading 7.5% above its estimated fair value. The current Cash-to-Debt is 0.15, which is 69% below median its 10-year median of 0.48 and 93.1% below the Insurance industry median of 2.17. Admiral Group's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Admiral Group (AMIGF), the current Cash-to-Debt is 0.15 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Admiral Group (AMIGF) Overvalued in 2026?
Based on GuruFocus' analysis, Admiral Group stock appears to be overvalued.
The current stock price of $54.08 is trading 7.5% above its estimated GF Value™ of $50.32.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
Cash-to-Debt: 0.15 (69% below median its 10-year median of 0.48)
GF Value™: $50.32 vs. price of $54.08 (7.5% above fair value)
Industry Position: 93.1% below the Insurance median (#447 of 486)
No single metric tells the full story. See the AMIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Admiral is a personal lines insurer that operates predominantly in the United Kingdom. The business is primarily a motor insurer with UK and European auto insurance accounting for the majority of gross premium. The company also has a nascent but growing UK home insurance division. The company was established in 1993 to sell nonstandard risk motor insurance. These nonstandard policyholders included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years the company has expanded its nonstandard risks perimeter.
72GF Score
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