Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Admiral Group's retained earnings for the quarter that ended in Dec. 2025 was $1,953 Mil.
Admiral Group's quarterly retained earnings
increased
from Dec. 2024 ($1,749 Mil) to Jun. 2025 ($1,979 Mil) but then
declined
from Jun. 2025 ($1,979 Mil) to Dec. 2025 ($1,953 Mil).
Admiral Group's annual retained earnings
increased
from Dec. 2023 ($1,290 Mil) to Dec. 2024 ($1,749 Mil) and
increased
from Dec. 2024 ($1,749 Mil) to Dec. 2025 ($1,953 Mil).
Admiral Group (OTCPK:AMIGF) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Admiral Group Retained Earnings Historical Data
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The historical data trend for Admiral Group's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Admiral Group (AMIGF) has a Retained Earnings of $1,953 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Admiral Group and its competitors.
Is Admiral Group's Retained Earnings too high?
Admiral Group's current Retained Earnings is $1,953 Mil. 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 Retained Earnings compare to CB and PGR?
Admiral Group's Retained Earnings of $1,953 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Admiral Group and its competitors. Admiral Group's current Retained Earnings is $1,953 Mil. 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 $50.22, compared to a current price of $47.60 — trading 5.2% below its estimated fair value. The current Retained Earnings is $1,953 Mil. Admiral Group's overall GF Score™ is 88/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Admiral Group (AMIGF), the current Retained Earnings is $1,953 Mil as of Dec. 2025. 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 $47.60 is trading 5.2% below its estimated GF Value™ of $50.22.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
Retained Earnings: $1,953 Mil
GF Value™: $50.22 vs. price of $47.60 (5.2% below fair value)
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.
88GF Score
Get the complete analysis for AMIGF
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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