Admiral Group plc (ADM) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.892 -- 00:00:06.140 Good morning everyone and welcome and thank you for joining us as we review 00:00:06.140 -- 00:00:09.584 Admiral 2025 year-end results. 00:00:09.584 -- 00:00:15.012 Today we'll be announcing another remarkable year of financial results and strategic 00:00:15.012 -- 00:00:16.534 progress. 00:00:16.534 -- 00:00:22.640 So I will start with the key highlight before handing over to Geraint on the financials 00:00:22.743 -- 00:00:26.930 and to Alistair on UK insurance and Kosti on Europe. 00:00:26.930 -- 00:00:31.116 I will then come back to reflect on what we have achieved over the last five years and 00:00:31.116 -- 00:00:36.202 finally explain how the evolution of our strategy positioned us to create even 00:00:36.202 -- 00:00:39.627 more value in the years ahead. 00:00:39.627 -- 00:00:44.090 So let's start with the main achievement for 2025. 00:00:44.093 -- 00:00:47.597 We delivered record profit of 958 million. 00:00:47.597 -- 00:00:52.764 This was up 16% year on year, reflecting discipline execution and growth 00:00:52.764 -- 00:00:58.723 across the group. 2025 also marked exciting progress across data, technology, 00:00:58.723 -- 00:01:03.810 and AI, and the evolution of our model proposition, including the acquisition of 00:01:03.810 -- 00:01:07.434 Flock, subject to regulatory approval. 00:01:07.434 -- 00:01:10.538 Today, we'll also outline the evolution of our group strategy. 00:01:10.538 -- 00:01:15.725 This strategy builds on a very strong platform, a more diversified customer base, 00:01:15.725 -- 00:01:20.411 and the competitive advantage we already have to deliver higher long-term value for all 00:01:20.411 -- 00:01:22.094 our stakeholders. 00:01:22.094 -- 00:01:27.219 We'll also cover our new capital distribution framewor...