Admiral GroupLSE:ADM +2.23%82 EV-to-FCF is 34.76 as of Jul. 03, 2026, which is 4% above its 10-year median of 33.38. GuruFocus rates LSE:ADM with a GF Score™ of 82/100 and a GF Value™ of £37.24 (Fairly Valued). The stock has 5 warning signs investors should review. Among 395 Insurance companies, Admiral Group ranks worse than 88.1% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Admiral Group's Enterprise Value is £12,590 Mil.
Admiral Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £362 Mil. Therefore, Admiral Group's EV-to-FCF for today is 34.76.
The historical rank and industry rank for Admiral Group's EV-to-FCF or its related term are showing as below:
LSE:ADM'
s EV-to-FCF Range Over the Past 10 Years
Min: 11.59 Med: 33.38 Max: 56.29
Current: 33.62
During the past 13 years, the highest EV-to-FCF of Admiral Group was 56.29. The lowest was 11.59. And the median was 33.38.
LSE:ADM's EV-to-FCF is ranked worse than 88.1% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs LSE:ADM: 33.62
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Admiral Group's PE Ratio (TTM) for today is calculated as:
Admiral Group's share price for today is £36.62.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Admiral Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £2.417.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Admiral Group EV-to-FCF Related Terms
Admiral Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Admiral Group's EV-to-FCF 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.
For the Insurance - Property & Casualty subindustry, Admiral Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Admiral Group's EV-to-FCF falls into.
Admiral Group's current Enterprise Value is £12,590 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Admiral Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £362 Mil.
* 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 (LSE:ADM) has a EV-to-FCF of 34.76 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Admiral Group and its competitors. This is near median its historical median of 33.38. Over the past decade, Admiral Group's EV-to-FCF has ranged from 11.59 to 56.29. According to the industry distribution chart, Admiral Group ranks #348 out of 395 companies in the Insurance industry, placing it in the top 88.1%.
Is Admiral Group's EV-to-FCF too high?
Admiral Group's current EV-to-FCF of 34.76 is near median its 10-year median of 33.38. Over the past 10 years, this metric has ranged from a low of 11.59 to a high of 56.29. The Insurance industry median EV-to-FCF is 9.32. Admiral Group's value of 34.76 is 273% above this industry median. Based on the distribution chart, Admiral Group ranks #348 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Admiral Group has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #348 out of 395 companies for EV-to-FCF. This places Admiral Group in the lower half of its industry. The industry median EV-to-FCF is 9.32. Admiral Group's value of 34.76 is 273% above this benchmark. Historically, Admiral Group's own EV-to-FCF has ranged from 11.59 to 56.29 over the past decade. While the company's 10-year median is 33.38 vs. the industry median of 9.32, Admiral Group has consistently been above 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Admiral Group's current EV-to-FCF of 34.76 is 273% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Admiral Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Admiral Group's current EV-to-FCF is 34.76, which is near median its own 10-year median of 33.38. 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 (LSE:ADM) is currently considered Fairly Valued. The stock's GF Value™ is £37.24, compared to a current price of £36.62 — trading 1.7% below its estimated fair value. The current EV-to-FCF is 34.76, which is near median its 10-year median of 33.38 and 273% above the Insurance industry median of 9.32. Admiral Group's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Admiral Group (LSE:ADM), the current EV-to-FCF is 34.76 as of Jul. 03, 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 (LSE:ADM) Overvalued in 2026?
Based on GuruFocus' analysis, Admiral Group stock appears to be undervalued.
The current stock price of £36.62 is trading 1.7% below its estimated GF Value™ of £37.24.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for LSE:ADM:
EV-to-FCF: 34.76 (near median its 10-year median of 33.38)
GF Value™: £37.24 vs. price of £36.62 (1.7% below fair value)
Industry Position: 273% above the Insurance median (#348 of 395)
No single metric tells the full story. See the LSE:ADM 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.
82GF Score
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