Core Viewpoint - Admiral Group has completed the sale of its U.S. motor insurance business, Elephant Insurance, to J.C. Flowers, effective December 31, 2025, allowing Admiral to focus on opportunities in the UK and Mainland Europe [1][4]. Group 1: Company Overview - Admiral Group plc is a leading FTSE 100 financial services company offering various insurance products and personal lending, established in 1993 in the UK [8]. - J.C. Flowers & Co is a private investment firm focused on the financial services industry, having invested over $18 billion in 72 portfolio companies across 19 countries since its founding in 1998 [9]. Group 2: Business Operations - Elephant Insurance, headquartered in Richmond, Virginia, provides simple and affordable car insurance, enabling customers to find suitable coverage options [2]. - The partnership with J.C. Flowers is expected to enhance Elephant's growth potential in the U.S. market, catering to consumer demands for customization and coverage options [4]. Group 3: Leadership Insights - Costantino Moretti, Head of International Insurance at Admiral, expressed confidence that the sale will allow Elephant to grow and continue delivering quality insurance products [3]. - Alberto Schiavon, CEO of Elephant Insurance, highlighted the importance of maintaining customer focus and culture while benefiting from J.C. Flowers' expertise [5].

Core Insights - The "High Income DIY Portfolios" service aims to provide high income with low risk and capital preservation for DIY investors, particularly targeting income investors such as retirees [1] - The service offers a total of 10 model portfolios, including various strategies for income generation and risk management, with a focus on sustainable yields [2] Group 1: Portfolio Strategies - The service includes seven portfolios: three buy-and-hold, three rotational portfolios, and a conservative NPP strategy portfolio designed for low drawdowns and high growth [1] - The investment approach emphasizes dividend-growing stocks and aims for a 30% reduction in drawdowns while targeting a 6% current income [2] Group 2: Additional Features - The service provides buy and sell alerts, live chat, and strategies for portfolio management and asset allocation to help investors achieve stable, long-term passive income [2]

Archer-Daniels-Midland Company (NYSE:ADM) is included among the 12 Best Income Stocks to Buy Now. Regulatory Delays and Weakening Margins Weigh on Morgan Stanley’s ADM Outlook On December 16, Morgan Stanley analyst Steven Haynes downgraded Archer-Daniels-Midland Company (NYSE:ADM) to Underweight from Equal Weight and cut the price target to $50 from $57. The firm said expectations tied to the Environmental Protection Agency’s renewable volume obligation now stretch into 2026, masking additional downside ...

Company Performance - Archer Daniels Midland (ADM) closed at $57.49, down 1.17% from the previous trading session, underperforming the S&P 500's loss of 0.74% [1] - Prior to the recent trading day, ADM shares had declined 3.55%, lagging behind the Consumer Staples sector's loss of 1% and the S&P 500's gain of 0.79% [1] Upcoming Earnings - ADM is projected to report earnings of $0.84 per share, reflecting a year-over-year decline of 26.32% [2] - Revenue is expected to be $22.14 billion, indicating a 2.98% increase compared to the same quarter last year [2] Fiscal Year Estimates - For the entire fiscal year, earnings are estimated at $3.4 per share, representing a decline of 28.27% from the prior year [3] - Revenue for the fiscal year is projected to be $83.85 billion, showing a decrease of 1.96% compared to the previous year [3] Analyst Estimates - Recent modifications to analyst estimates for ADM reflect changing short-term business dynamics, with positive changes indicating analyst optimism [4] - The Zacks Rank system, which incorporates these estimate changes, currently rates ADM as a 5 (Strong Sell) [6] Valuation Metrics - ADM has a Forward P/E ratio of 17.13, which is higher than the industry average of 16.34, suggesting it is trading at a premium [7] - The company has a PEG ratio of 4.95, compared to the industry average PEG ratio of 2.18, indicating a higher valuation relative to expected earnings growth [8] Industry Context - The Agriculture - Operations industry, part of the Consumer Staples sector, holds a Zacks Industry Rank of 220, placing it in the bottom 11% of over 250 industries [9] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [9]

Group 1 - Archer Daniels Midland (ADM) is a leading producer of food and beverage ingredients and agricultural products, with a current year earnings estimate revised downward by 8.9% over the last 60 days [1] - Aviva (AVVIY) is the leading provider of indexed annuity and indexed life insurance products in the US, with a current year earnings estimate revised downward by almost 8.6% over the last 60 days [2] - Eastman Chemical (EMN) manufactures and sells chemicals, plastics, and fibers, with a current year earnings estimate revised downward by almost 6.7% over the last 60 days [2]

Core Viewpoint - Three stocks have been added to the Zacks Rank 5 (Strong Sell) List due to significant downward revisions in earnings estimates Group 1: Company Specifics - Archer-Daniels-Midland Company (ADM) has seen its current year earnings estimate revised downward by 8.9% over the last 60 days [1] - Associated British Foods plc (ASBFY) has experienced an 18.2% downward revision in its current year earnings estimate over the last 60 days [1] - B&M European Value Retail S.A. (BMRRY) has had its current year earnings estimate revised downward by 18.6% over the last 60 days [2]

Group 1 - ARMOUR Residential REIT, Inc. (ARR) has been added to the Zacks Rank 5 (Strong Sell) List due to a 1.6% downward revision in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Archer-Daniels-Midland Company (ADM) is also on the Zacks Rank 5 (Strong Sell) List, with an 8.9% downward revision in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Boise Cascade Company (BCC) has been included in the Zacks Rank 5 (Strong Sell) List, reflecting a 7.7% downward revision in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2]

Core Viewpoint - Three stocks have been added to the Zacks Rank 5 (Strong Sell) List, indicating a negative outlook for these companies based on recent earnings estimate revisions [1][2]. Company Summaries - **Avanos Medical, Inc. (AVNS)**: This medical technology company has seen its current year earnings estimate revised downward by 3.3% over the last 60 days [1]. - **Archer-Daniels-Midland Company (ADM)**: An agricultural commodities and ingredients company, ADM's current year earnings estimate has been revised downward by 8.6% over the last 60 days [1]. - **Bank OZK (OZK)**: This company provides retail and commercial banking services, with its current year earnings estimate revised downward by 3.4% over the last 60 days [2].

Group 1 - Morgan Stanley has lowered the target price for ADM from $57 to $50, indicating a significant downward adjustment in valuation [1] - The rating for ADM has been downgraded from "Hold" to "Underweight," reflecting a more negative outlook on the company's performance [1]

Company Performance - Archer Daniels Midland (ADM) stock increased by 2.94% to $59.92, outperforming the S&P 500 which gained 0.21% [1] - Over the last month, ADM shares rose by 0.8%, lagging behind the Consumer Staples sector's gain of 1% and the S&P 500's gain of 0.89% [1] Upcoming Financial Results - The upcoming EPS for ADM is projected at $0.85, indicating a 25.44% decline compared to the same quarter last year [2] - Revenue is expected to reach $22.14 billion, reflecting a 2.98% increase from the year-ago quarter [2] Fiscal Year Projections - For the entire fiscal year, earnings are projected at $3.41 per share, representing a decrease of 28.06% from the previous year [3] - Revenue for the fiscal year is estimated at $83.85 billion, showing a decline of 1.96% compared to the prior year [3] Analyst Estimates - Recent changes to analyst estimates for ADM indicate shifting business dynamics, with upward revisions suggesting positive sentiment towards the company's operations [4] - The Zacks Rank system, which assesses these estimates, currently rates ADM as a 5 (Strong Sell) [6] Valuation Metrics - ADM has a Forward P/E ratio of 17.09, which is in line with the industry average [7] - The PEG ratio for ADM is 4.94, significantly higher than the Agriculture - Operations industry average of 2.14 [7] Industry Context - The Agriculture - Operations industry, part of the Consumer Staples sector, ranks in the bottom 19% of all industries according to the Zacks Industry Rank [8] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]