Admiral Group reported full-year 2025 earnings per share of 247.4p, surpassing analyst estimates by 3%, driving a 3.7% share surge. The insurer achieved a record £957.9 million profit before tax, up 16% year-on-year, despite a 1% revenue decline to £5.90 billion. UK Motor Insurance hit a milestone with £1.024 billion profit—its first breach of £1 billion—though slightly below the £1.040 billion forecast. The division’s loss ratio improved despite a 3.6 percentage point deterioration, while European Insurance turned profitable at £6.6 million, reversing a prior £19.7 million loss. Admiral Money doubled profits to £25.8 million, with loan balances rising 24% to £1.46 billion.

The company’s solvency ratio remains robust at 193%, down from 203% in 2024. CEO Milena Mondini de Focatiis attributed success to disciplined execution and a resilient business model. The firm plans to replace special dividends with share buybacks starting in 2026, pending regulatory approval. It also highlighted its readiness for autonomous vehicles, projecting Level 3+ tech could account for 4% of the UK car parc by 2035.