**Summary of Admiral Group PLC Full Year 2025 Results**
**Financial Highlights**
**Record Profits** Admiral Group reported record profits for 2025, with a 16% increase in profit before tax to £957.9 million, driven by strong contributions across the Group.
**Earnings Per Share (EPS)** EPS from continuing operations increased by 16% to 247.4p.
**Dividend Per Share** Dividend per share rose by 7% to 205.0p.
**Insurance Revenue** Insurance revenue grew by 9% to £4.98 billion.
**Customer Growth** Group risks increased by 7% to 11.8 million, with UK insurance risks up 9% to 9.6 million.
**Admiral Money** Gross loan balances increased by 24% to £1.46 billion.
**Solvency Ratio** The solvency ratio (post-dividend) decreased slightly to 193% from 203%.
**Operational Highlights**
**UK Motor Performance** UK Motor delivered an exceptional performance, surpassing £1 billion in profit.
**Diversification** Other UK personal lines, Admiral Money, and European Motor operations collectively generated nearly £100 million in profit, with strong results in France and a rapid recovery in Italy.
**Customer Focus** Continued investment in digital journeys, app functionality, and product development improved customer experiences, reflected in strong service outcomes and Net Promoter Scores <mark style="background-color:yellow">above</mark> 50.
**Strategic Acquisitions and Integrations:** Completed the integration of More Than and announced plans to acquire Flock, a digital fleet insurer, to expand into attractive markets.
**Technology and Innovation** Increased investment in technology, data, and artificial intelligence, including the establishment of a GenAI Centre of Excellence, showing early signs of improved efficiency and customer outcomes.
**Strategic Refresh**
**Three-Pillar Strategy**
1. **Scaling Selectively** Continue growing UK Motor with discipline while improving margins in newer lines.
2. **Future-Proofing Competitive Advantage:** Leverage cost-effective operations, data, and GenAI to increase customer lifetime value and resilience.
3. **Amplifying Admiral DNA** Evolve culture, develop people, and positively impact communities.
**Leadership Changes**
**CFO Transition** Geraint Jones retired as Group CFO, succeeded by Rachel Lewis, who brings deep business knowledge and leadership experience.
**Financial Position and Capital Management:**
**Strong Financial Position** The Group maintains a strong financial position with prudent reserves and a refreshed capital return policy, offering flexibility for future investments and shareholder returns.
**Sustainability and Community Impact**
**Environmental and Social Initiatives** Committed to positively impacting the environment and communities, including partnerships for natural flood management initiatives.
**Conclusion**
Admiral Group’s 2025 results highlight its robust performance, strategic advancements, and commitment to innovation and customer satisfaction. The Group is well-positioned for future growth, supported by a refreshed strategy, strong financial health, and a focus on sustainable value creation.