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Aviva (DE:GU80)
FRANKFURT:GU80

Aviva (GU80) Price & Analysis

7 Followers

GU80 Stock Chart & Stats

€15.50
-€0.10(-0.64%)
At close: 4:00 PM EDT
€15.50
-€0.10(-0.64%)

Bulls Say, Bears Say

Bulls Say
Strong Capital Position & Shareholder ReturnsA solvency cover around 180% and GBP 2.3bn of own funds generation provide durable regulatory headroom and balance sheet flexibility. Resuming a GBP 350m buyback and raising the dividend signals sustainable surplus capital and disciplined allocation, supporting underwriting capacity and investor returns over the medium term.
Wealth Business Growth And Recurring FeesLarge, growing AUM and strong net flows increase fee-based, capital-light revenues that are less cyclical than underwriting. A 36% uplift in Wealth operating profit and a clear GBP 280m profit ambition for 2027 point to durable margin improvement and predictable cash generation from platform and asset management franchises.
Structural Efficiency And Technology-led Cost SavingsRealized tech and AI savings (c. GBP 100m) and operational time reductions demonstrate scalable, structural productivity gains. Ongoing investment in automation reduces claims and processing costs, supports improved combined ratios over time and magnifies returns from Direct Line synergies when fully implemented.
Bears Say
Inconsistent Cash GenerationVolatile operating and free cash flows reduce visibility on internal funding for capital allocation and increase reliance on capital actions. Irregular cash conversion may reflect reserve timing and working-capital swings, constraining sustainable reinvestment, dividends, or buybacks without eroding solvency margins over the coming months.
Underwriting Volatility And COR CyclicalityProfitability remains sensitive to underwriting cycles, large losses and weather events. Even modest adverse development can quickly reverse underwriting gains and depress margins, making medium-term earnings reliant on sustained pricing discipline and benign loss experience rather than solely on structural improvements.
Direct Line Integration & Execution RiskThe remaining GBP 175m of cost synergies and systems/integration work pose execution risk. Integration delays, higher one-off costs or failure to fully realise savings could reduce expected capital benefits, delay margin uplift and divert management focus, affecting medium-term targets and cash generation.

Aviva News

GU80 FAQ

What was Aviva’s price range in the past 12 months?
Aviva lowest stock price was €13.30 and its highest was €16.70 in the past 12 months.
    What is Aviva’s market cap?
    Aviva’s market cap is €24.23B.
      When is Aviva’s upcoming earnings report date?
      Aviva’s upcoming earnings report date is Aug 14, 2026 which is in 9 days.
        How were Aviva’s earnings last quarter?
        Aviva released its earnings results on Mar 05, 2026. The company reported €0.635 earnings per share for the quarter, missing the consensus estimate of €0.742 by -€0.108.
          Is Aviva overvalued?
          According to Wall Street analysts Aviva’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Aviva pay dividends?
            Aviva does not currently pay dividends.
            What is Aviva’s EPS estimate?
            Aviva’s EPS estimate is 0.72.
              How many shares outstanding does Aviva have?
              Aviva has 1,500,725,300 shares outstanding.
                What happened to Aviva’s price movement after its last earnings report?
                Aviva reported an EPS of €0.635 in its last earnings report, missing expectations of €0.742. Following the earnings report the stock price went up 2.044%.
                  Which hedge fund is a major shareholder of Aviva?
                  Currently, no hedge funds are holding shares in DE:GU80
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Aviva

                    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.

                    Aviva (GU80) Earnings & Revenues

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