Admiral GroupAMIGF 88 ROE % is 47.15% as of Dec. 2025, which is 10% below its 10-year median of 52.55. GuruFocus rates AMIGF with a GF Score™ of 88/100 and a GF Value™ of $50.41 (Fairly Valued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, Admiral Group ranks better than 97.01% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Admiral Group's annualized net income for the quarter that ended in Dec. 2025 was $915 Mil. Admiral Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $1,940 Mil. Therefore, Admiral Group's annualized ROE % for the quarter that ended in Dec. 2025 was 47.15%.
The historical rank and industry rank for Admiral Group's ROE % or its related term are showing as below:
AMIGF'
s ROE % Range Over the Past 10 Years
Min: 26.45 Med: 52.55 Max: 83.39
Current: 52.43
During the past 13 years, Admiral Group's highest ROE % was 83.39%. The lowest was 26.45%. And the median was 52.55%.
AMIGF's ROE % is ranked better than 97.01% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs AMIGF: 52.43
Admiral Group (OTCPK:AMIGF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Admiral Group ROE % Related Terms
Admiral Group ROE % Historical Data
* Premium members only.
The historical data trend for Admiral Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's ROE % distribution charts can be found below:
* The bar in red indicates where Admiral Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Admiral Group (AMIGF) has a ROE % of 47.15% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Admiral Group and its competitors. This is 10% below median its historical median of 52.55. Over the past decade, Admiral Group's ROE % has ranged from 26.45 to 83.39. According to the industry distribution chart, Admiral Group ranks #15 out of 502 companies in the Insurance industry, placing it in the top 3%.
Is Admiral Group's ROE % too high?
Admiral Group's current ROE % of 47.15% is 10% below median its 10-year median of 52.55. Over the past 10 years, this metric has ranged from a low of 26.45 to a high of 83.39. The Insurance industry median ROE % is 11.73. Admiral Group's value of 47.15% is 302% above this industry median. Based on the distribution chart, Admiral Group ranks #15 out of 502 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 ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #15 out of 502 companies for ROE %. This places Admiral Group in the top 3% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Admiral Group's value of 47.15% is 302% above this benchmark. Historically, Admiral Group's own ROE % has ranged from 26.45 to 83.39 over the past decade. While the company's 10-year median is 52.55 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Admiral Group's current ROE % of 47.15% is 302% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Admiral Group and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Admiral Group's current ROE % is 47.15%, which is 10% below median its own 10-year median of 52.55. 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 $50.41, compared to a current price of $46.24 — trading 8.3% below its estimated fair value. The current ROE % is 47.15%, which is 10% below median its 10-year median of 52.55 and 302% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Admiral Group (AMIGF), the current ROE % is 47.15% 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 $46.24 is trading 8.3% below its estimated GF Value™ of $50.41.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
ROE %: 47.15% (10% below median its 10-year median of 52.55)
GF Value™: $50.41 vs. price of $46.24 (8.3% below fair value)
Industry Position: 302% above the Insurance median (#15 of 502)
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
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