Aviva (GU80) Stock Price & Analysis
GU80 Stock Chart & Stats
- Day’s Range
- EUR 16.80 - EUR 17.00
- 52-Week Range
- EUR 13.30 - EUR 17.70
- Previous Close
- EUR 16.70
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 26.24B
- Enterprise Value
- EUR 35.86B
- Total Cash (Recent Filing)
- EUR 21.07B
- Total Debt (Recent Filing)
- EUR 6.06B
- Price to Earnings (P/E)
- 40.3
- Beta
- 0.63
- Next Earnings
- Mar 04, 2027 (Est.)
- EPS Estimate
- 0.7
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.43%
Bulls Say, Bears Say
Bulls Say
Wealth Growth
Strong net flows, rising assets and profit growth support recurring fee income and deepen Aviva’s position in savings and retirement. Continued customer and AUM expansion can improve operating leverage and diversify earnings beyond insurance underwriting.
Direct Line Synergies
Integration benefits provide a durable route to lower costs, reduced claims expense and more efficient capital use. Improving motor ratios and distribution reach suggest the acquisition can strengthen Aviva’s UK market position as execution continues.
Capital Strength
Higher operating profit, remittances and capital generation provide financial flexibility to invest, absorb insurance volatility and support shareholder distributions. A robust solvency buffer also strengthens resilience under regulatory and claims-related stresses.
Bears Say
Unstable Cash Conversion
Repeatedly uneven cash generation reduces visibility into earnings quality and limits confidence in internally funded growth. Reserve movements, working-capital timing and insurance liability flows can continue to make reported profitability less predictable.
Thin, Volatile Profitability
Low and fluctuating margins leave limited protection against claims inflation, adverse experience or investment changes. Although recent operating momentum is strong, inconsistent earnings can constrain durable compounding and make performance more sensitive to shocks.
Claims And Business-line Pressure
Weakness across protection, health, Canada and parts of general insurance highlights exposure to adverse claims experience and competitive pricing. These pressures can persist through renewal cycles, requiring disciplined underwriting and potentially limiting margin expansion.
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Aviva Stock Smart Score
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.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Amanda Blanc
- Employees
- 39,359
- Website
- www.aviva.com
- Address
- 80 Fenchurch Street, London, GL, EC3M 4AE, GB
Aviva (GU80) Earnings & Revenues
GU80 Company Deck
GU80 Earnings Call
Earnings Call SentimentPositive
The call portrayed a firmly positive operational and financial momentum—notably strong growth in operating profit (24%), EPS (10%), Wealth net flows (+32%), cash remittances (+47%) and clear progress on Direct Line integration and AI initiatives—while acknowledging manageable headwinds: Protection profit decline, Health falling short of its GBP 100m target, recent Canada CAT/weather risk and some underlying GI margin impacts from large losses and one‑off items. Management emphasizes balance‑sheet strength (176% solvency, aiming high‑180s), delivery of synergies and disciplined capital‑light progression, presenting more positives than negatives overall.
View all DE:GU80 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 3 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 12 | 0 | 0 |










