{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "480c4781-6661-44c9-9060-31f9e89786fc",
    "symbol": "ADM",
    "name": "Admiral Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/480c4781-6661-44c9-9060-31f9e89786fc/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "480c4781-6661-44c9-9060-31f9e89786fc",
      "symbol": "ADM",
      "name": "Admiral Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ADM.L",
    "market_cap": 10353966080.0,
    "market_cap_usd": 984583237410.0,
    "price": 3464.0,
    "currency": "GBP",
    "dividend_yield": 0.0461,
    "dividend_years": 21,
    "dividend_growth_5y": 0.09856054,
    "dividend_cut_5y": true,
    "payout_ratio": 0.73050004,
    "net_income": 742600000.0,
    "free_cash_flow": 362200000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.31165,
    "revenue_growth_5y": 0.18385005,
    "net_margin": 0.14792,
    "roe": 0.52965,
    "pe_ratio": 14.255143,
    "price_vs_ma": 0.10271449,
    "return_3y": 0.63967273,
    "return_5y": 0.07526074,
    "max_drawdown": -0.52745029,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 9.5,
      "business_quality": 23.0,
      "valuation": 15.0,
      "trend": 12.0,
      "total": 76.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/",
      "chart": "https://sharemaestro.com/terminal/480c4781-6661-44c9-9060-31f9e89786fc/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 9.5,
    "business_quality": 23.0,
    "valuation": 15.0,
    "trend": 12.0,
    "total": 76.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2026-05-07",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend decreased -21.7%",
      "detail": "Payment changed from 115 to 90.",
      "amount": 90.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2026-05-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 90 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 90.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2025-09-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 115 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 115.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2025-05-15",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend increased 70.4%",
      "detail": "Payment changed from 71 to 121.",
      "amount": 121.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2025-05-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 121 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 121.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend increased 36.5%",
      "detail": "Payment changed from 52 to 71.",
      "amount": 71.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 71 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 71.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 52 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 52.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2023-09-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 51 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 51.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2023-05-04",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend cut -50.5%",
      "detail": "Payment changed from 105 to 52.",
      "amount": 52.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2023-05-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 52 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 52.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2022-09-01",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend decreased -11.0%",
      "detail": "Payment changed from 118 to 105.",
      "amount": 104.99999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2022-09-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 105 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 104.99999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2022-05-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "Dividend decreased -26.7%",
      "detail": "Payment changed from 161 to 118.",
      "amount": 117.99999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2022-05-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 118 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 117.99999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2021-09-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 161 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 161.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2021-05-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 86 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 86.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    },
    {
      "event_date": "2020-09-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ADM",
      "exchange": "LSE",
      "headline": "ADM dividend payment 91.2 GBP",
      "detail": "Recorded dividend payment for Admiral Group plc.",
      "amount": 91.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/480c4781-6661-44c9-9060-31f9e89786fc/"
    }
  ]
}