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Aviva plc (AV.L)

GBp661.60 +6.40 (+0.98%)
GB LSE Financial Services Insurance - Diversified
Address 80 Fenchurch Street EC3M 4AE
London, GB
CEO Amanda Blanc
Website aviva.com
IPO 1988-07-01
ISIN GB00BPQY8M80

Explore sections of this company profile

Also trades on London Stock Exchange · AV-A.L (GBp) London Stock Exchange · AV-B.L (GBp) London Stock Exchange · AV.L (GBp) Other OTC · AIVAF (USD) Other OTC · AVVIY (USD)
Description

Aviva plc provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, India, and China. It operates through General Insurance; Insurance, Wealth & Retirement; Aviva Investors; and International Investments segments. The company offers gadget, home, motor, pet, and health insurance, as well as commercial, specialty insurance and protection. It also provides life insurance, long-term health and accident insurance, savings, pension, and annuity products, as well as pension fund and lifetime mortgage products; insurance cover to individuals, small and medium-sized businesses for risks associated with motor vehicles and medical expenses, as well as property and liability, such as employers' and professional indemnity liabilities; and personal and commercial lines insurance products for risks associated motor, property, and liability. In addition, the company offers investment management services for institutional pension fund mandates; and manages various retail investment products, including fixed income, equities, multi-asset, real estate and infrastructure for third-party financial institutions, pension funds, public sector organizations, investment professionals, and private investors. It markets its products through a network of insurance brokers, affinity partners, and banks, as well as MyAviva platform price comparison websites. The company was formerly known as CGNU plc and changed its name to Aviva plc in July 2002. Aviva plc was founded in 1696 and is headquartered in London, the United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp661.60 +6.40 (+0.98%)
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Volume Profile
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Liquidity & share structure
Average Volume
9M
Beta
0.62
Float Shares
2.95B
Free Float %
98.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.11% -3.13% -1.67% -10.61% -5.92% -10.40% +0.26% +51.11% +12.54% +3.89% +87.87%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
661.60
DCF (Unlevered) 793.84 +20.0%
DCF (Levered) 367.72 -44.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 7 0
Hold 7 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.40
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
4 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +15.2%
    +43.2% Q4'25: +43.4% (vs Q4'23)
  • EPS growth Insurance - Diversified: +25.3%
    +17.4% Q4'25: -80.6% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    +34.3% Q4'25: +0.9% (vs Q4'23)
  • EBIT margin Insurance - Diversified: +13.5%
    +4.0% Q4'25: +2.1% (vs Q4'23)
  • ROIC Insurance - Diversified: +4.2%
    +1,243.4% Q4'25: +1,772.1% (vs Q4'23)
  • Share dilution Insurance - Diversified: +0.0%
    -1.3% Q4'25: +37.7% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    3.25× Q4'25: 2.51× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.63) × ERP
WACC = 68% × Ke + 32% × Kd (5.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 793.84 Current price: 661.60
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
12 EPS Ana.
Dec 2027
2 Rev. Ana.
11 EPS Ana.
Dec 2028
1 Rev. Ana.
5 EPS Ana.
Dec 2029
1 Rev. Ana.
4 EPS Ana.
Dec 2030
1 Rev. Ana.
4 EPS Ana.
Revenue
23.52B
est: 30.50B (-22.9%)
40.15B
est: 34.38B (+16.8%)
48.87B
est: 38.81B (+25.9%)
18.17B
est: 38.58B (-52.9%)
42.96B
est: 37.88B (+13.4%)
30.56B
est: 35.95B (-15.0%)
32.99B
est: 34.65B (-4.8%)
-26.79B
est: 34.49B (-177.7%)
32.92B
est: 32.82B (+0.3%)
40.86B
est: 39.39B (+3.7%)
58.51B
est: 41.63B (+40.5%)
60.43B
53.54B – 67.32B
+45.1% YoY
63.24B
56.18B – 70.30B
+4.7% YoY
66.29B
58.81B – 73.76B
+4.8% YoY
30.91B
27.42B – 34.39B
-53.4% YoY
31.91B
28.31B – 35.51B
+3.2% YoY
EBITDA
1.74B
est: 1.58B (+9.7%)
2.18B
est: 1.78B (+22.3%)
3.16B
est: 2.01B (+56.8%)
2.33B
est: 2.00B (+16.6%)
4.29B
est: 1.96B (+118.5%)
2.61B
est: 1.86B (+40.2%)
1.33B
est: 1.80B (-26.0%)
-887.00M
est: 1.79B (-149.6%)
2.03B
est: 1.70B (+19.1%)
1.58B
est: 1.71B (-7.5%)
2.56B
est: 1.81B (+41.3%)
2.63B
2.33B – 2.93B
+45.1% YoY
2.75B
2.44B – 3.06B
+4.7% YoY
2.88B
2.56B – 3.21B
+4.8% YoY
1.34B
1.19B – 1.50B
-53.4% YoY
1.39B
1.23B – 1.54B
+3.2% YoY
EBIT
1.94B
est: 1.45B (+33.6%)
1.75B
est: 1.63B (+6.9%)
2.55B
est: 1.84B (+38.2%)
2.64B
est: 1.83B (+44.2%)
3.82B
est: 1.80B (+112.1%)
2.25B
est: 1.71B (+31.9%)
996.00M
est: 1.65B (-39.5%)
-1.09B
est: 1.64B (-166.3%)
1.84B
est: 1.56B (+18.1%)
1.39B
est: 1.58B (-11.8%)
2.32B
est: 1.67B (+39.1%)
2.42B
2.15B – 2.70B
+45.1% YoY
2.53B
2.25B – 2.82B
+4.7% YoY
2.66B
2.36B – 2.96B
+4.8% YoY
1.24B
1.10B – 1.38B
-53.4% YoY
1.28B
1.13B – 1.42B
+3.2% YoY
Net Income
936.00M
est: 1.16B (-19.2%)
703.00M
est: 1.29B (-45.6%)
1.50B
est: 1.51B (-1.0%)
1.57B
est: 1.67B (-5.9%)
2.55B
est: 1.70B (+49.7%)
2.06B
est: 1.53B (+34.7%)
416.00M
est: 1.15B (-63.9%)
-1.07B
est: 1.29B (-182.8%)
1.09B
est: 1.07B (+1.2%)
683.00M
est: 1.29B (-47.0%)
1.03B
est: 1.53B (-32.5%)
1.75B
1.45B – 1.87B
+14.0% YoY
1.96B
1.66B – 2.08B
+12.1% YoY
2.17B
1.85B – 2.49B
+10.9% YoY
1.94B
1.66B – 2.23B
-10.6% YoY
2.10B
1.79B – 2.41B
+8.2% YoY
SGA
3.35B
est: 9.31M (+35,853.7%)
7.74B
est: 10.50M (+73,628.3%)
24.00M
est: 11.85M (+102.6%)
22.00M
est: 11.78M (+86.8%)
23.00M
est: 11.56M (+98.9%)
17.00M
est: 10.97M (+54.9%)
13.00M
est: 10.58M (+22.9%)
20.00M
est: 10.53M (+89.9%)
25.00M
est: 10.02M (+149.5%)
23.00M
est: 7.64M (+201.0%)
est: 8.08M (-100.0%)
11.72M
10.39M – 13.06M
+45.1% YoY
12.27M
10.90M – 13.64M
+4.7% YoY
12.86M
11.41M – 14.31M
+4.8% YoY
6.00M
5.32M – 6.67M
-53.4% YoY
6.19M
5.49M – 6.89M
+3.2% YoY
EPS
0.22
est: 0.40 (-44.3%)
0.20
est: 0.44 (-54.7%)
0.46
est: 0.52 (-10.8%)
0.45
est: 0.57 (-20.8%)
0.63
est: 0.58 (+8.5%)
0.59
est: 0.52 (+13.2%)
0.12
est: 0.39 (-69.5%)
-0.34
est: 0.44 (-177.2%)
0.38
est: 0.37 (+3.9%)
0.24
est: 0.45 (-46.1%)
0.27
est: 0.53 (-49.0%)
0.60
0.50 – 0.65
+14.0% YoY
0.68
0.57 – 0.72
+12.1% YoY
0.75
0.64 – 0.86
+10.9% YoY
0.67
0.57 – 0.77
-10.6% YoY
0.73
0.62 – 0.83
+8.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-28 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-27 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-26 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-22 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-21 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-20 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-19 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-18 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-15 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-14 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-13 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-12 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-11 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-08 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-07 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-06 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-05 C+ 2/5 3/5 3/5 2/5 2/5 1/5 1/5
2026-05-01 C+ 2/5 3/5 3/5 3/5 2/5 1/5 1/5
2026-04-30 C+ 2/5 3/5 3/5 3/5 2/5 1/5 1/5
2026-04-29 C+ 2/5 3/5 3/5 3/5 2/5 1/5 1/5
2026-04-28 C+ 2/5 3/5 3/5 3/5 2/5 1/5 1/5
2026-04-27 B- 2/5 3/5 3/5 3/5 2/5 2/5 1/5
2026-04-24 B- 2/5 3/5 3/5 3/5 2/5 2/5 1/5
2026-04-23 B- 3/5 3/5 3/5 3/5 2/5 2/5 2/5
2026-04-22 B- 3/5 3/5 3/5 3/5 2/5 2/5 2/5
2026-04-21 B 3/5 4/5 3/5 4/5 2/5 2/5 2/5
2026-04-20 B 3/5 4/5 3/5 4/5 2/5 2/5 2/5
2026-04-17 B 3/5 4/5 3/5 4/5 2/5 2/5 2/5
2026-04-16 B 3/5 4/5 3/5 4/5 2/5 2/5 2/5
2026-04-15 B 3/5 4/5 4/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.82B
OE per share TTM
1.68
Owner's Yield
31.14%
Maintenance CapEx ratio
38.82%
Maint CapEx / Avg PPE
1.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
59.0K
Shares Outstanding
3.00B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Dame Amanda Jayne Blanc ACII Group Chief Executive Officer & Executive Director 4M female
Amanda Jayne Blanc ACII Group Chief Executive Officer & Executive Director 4M female
Charlotte Claire Jones Group Chief Financial Officer & Executive Director 2M female
Danielle Harmer Chief People Officer female
David Anthony Elliot Managing Director of Retirement Solutions male
David Dixey Chief Underwriting Officer of Commercial, Corporate & Speciality Lines male
Jason Chambers Head of Underwriting Transformation male
John Cummings Chief Information Officer male
Louise Soulsby Head of Media Relations - UK Life & Pensions female
Cheryl Toner Chief Customer & Marketing Officer female
Craig Fazzini-Jones Group Chief Operating Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits