Admiral GroupAMIGF 86 3-Year ROIIC % is 15.96 as of Dec. 2025, which is 218% above its 10-year median of 5.02. GuruFocus rates AMIGF with a GF Score™ of 86/100 and a GF Value™ of $50.50 (Fairly Valued). The stock has 5 warning signs investors should review. Among 332 Insurance companies, Admiral Group ranks better than 74.1% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Admiral Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 15.96%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Admiral Group's 3-Year ROIIC % or its related term are showing as below:
AMIGF's 3-Year ROIIC % is ranked better than 74.1% of 332
companies
in the Insurance industry
Industry Median: 5.275
vs AMIGF: 15.96
Admiral Group (OTCPK:AMIGF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Admiral Group 3-Year ROIIC % Related Terms
Admiral Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Admiral Group's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Admiral Group's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Admiral Group (AMIGF) has a 3-Year ROIIC % of 15.96 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Admiral Group and its competitors. This is 218% above median its historical median of 5.02. According to the industry distribution chart, Admiral Group ranks #86 out of 332 companies in the Insurance industry, placing it in the top 25.9%.
Is Admiral Group's 3-Year ROIIC % too high?
Admiral Group's current 3-Year ROIIC % of 15.96 is 218% above median its 10-year median of 5.02. The Insurance industry median 3-Year ROIIC % is 5.28. Admiral Group's value of 15.96 is 202.6% above this industry median. Based on the distribution chart, Admiral Group ranks #86 out of 332 companies in the Insurance industry, which is above the industry midpoint. Overall, Admiral Group has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #86 out of 332 companies for 3-Year ROIIC %. This puts Admiral Group in the upper half of its industry. The industry median 3-Year ROIIC % is 5.28. Admiral Group's value of 15.96 is 202.6% above this benchmark. While the company's 10-year median is 5.02 vs. the industry median of 5.28, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.28, based on 332 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Admiral Group's current 3-Year ROIIC % of 15.96 is 202.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Admiral Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Admiral Group's current 3-Year ROIIC % is 15.96, which is 218% above median its own 10-year median of 5.02. 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 $50.50, compared to a current price of $47.60 — trading 5.8% below its estimated fair value. The current 3-Year ROIIC % is 15.96, which is 218% above median its 10-year median of 5.02 and 202.6% above the Insurance industry median of 5.28. Admiral Group's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Admiral Group (AMIGF), the current 3-Year ROIIC % is 15.96 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 5.8% below its estimated GF Value™ of $50.50.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
3-Year ROIIC %: 15.96 (218% above median its 10-year median of 5.02)
GF Value™: $50.50 vs. price of $47.60 (5.8% below fair value)
Industry Position: 202.6% above the Insurance median (#86 of 332)
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.
86GF Score
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