AMIGF (Admiral Group) Moat Score: 6/10 (As of Jun. 27, 2026)


AMIGF Admiral Group PLC AMIGF
88 GF Score
Price $46.24
GF Value $50.42
Valuation Fairly Valued
! 3 Warning Signs
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What is Admiral Group Moat Score?

Admiral Group AMIGF 88 Moat Score is 6 as of Jun. 27, 2026. GuruFocus rates AMIGF with a GF Score™ of 88/100 and a GF Value™ of $50.42 (Fairly Valued). The stock has 3 warning signs investors should review. Among 596 Insurance companies, Admiral Group ranks better than 94.97% on this metric.

Admiral Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Admiral Group has Narrow Moat: Admiral Group PLC has a strong narrow moat due to its solid market leadership in the UK insurance sector, strong brand recognition, and customer loyalty. It benefits from economies of scale and a robust distribution network. However, the competitive nature of the insurance industry limits its ability to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Admiral Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Admiral Group  (OTCPK:AMIGF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Admiral Group Moat Score Related Terms

AMIGF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Admiral Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Admiral Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Admiral Group's Moat Score falls into.


AMIGF
88GF Score
Admiral Group PLC AMIGF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Admiral Group (AMIGF) has a Moat Score of 6 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Admiral Group ranks #30 out of 596 companies in the Insurance industry, placing it in the top 5%.
Is Admiral Group's Moat Score too high?
Admiral Group's current Moat Score is 6. Based on the distribution chart, Admiral Group ranks #30 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Admiral Group has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #30 out of 596 companies for Moat Score. This places Admiral Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Admiral Group's current Moat Score is 6. 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 $50.42, compared to a current price of $46.24 — trading 8.3% below its estimated fair value. The current Moat Score is 6. Admiral Group's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Admiral Group (AMIGF), the current Moat Score is 6 as of Jun. 27, 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 undervalued. The current stock price of $46.24 is trading 8.3% below its estimated GF Value™ of $50.42. GuruFocus considers Admiral Group to be Fairly Valued.

Key valuation signals for AMIGF:

  • Moat Score: 6
  • GF Value™: $50.42 vs. price of $46.24 (8.3% below fair value)
  • GF Score™: 88/100 with 3 warning signs

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 Group Business Description

Address David Street, Ty Admiral, Cardiff, GBR, CF10 2EH
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.
88GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.24
Price
$50.42
GF Value