Aviva plc (GU81) Stock Price & Analysis
GU81 Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 24.24B
- Enterprise Value
- CHF 27.02B
- Total Cash (Recent Filing)
- CHF 21.20B
- Total Debt (Recent Filing)
- CHF 6.06B
- Price to Earnings (P/E)
- 40.3
- Beta
- N/A
- Next Earnings
- Mar 04, 2027 (Est.)
- EPS Estimate
- 0.32
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Direct Line Synergies Are Improving Scale And Efficiency
The Direct Line integration is creating recurring cost, capital and claims benefits while expanding Aviva’s UK personal-lines scale. Continued synergy delivery should support efficiency, underwriting performance and capital generation beyond the integration period.
Wealth Growth And Customer Scale Support Recurring Fee Income
Strong net flows and a large customer base increase recurring wealth-management fees and provide cross-selling potential. Rising multiproduct adoption can also lower acquisition costs and improve retention, reinforcing Aviva’s distribution advantage.
Strong Solvency And A More Capital-light Earnings Mix Improve Resilience
A robust solvency buffer provides flexibility to absorb volatility and fund growth, while shifting toward capital-light businesses should reduce capital intensity. This mix can support higher returns and more resilient long-term cash generation.
Bears Say
Cash Generation Is Volatile And Weakened Materially In 2025
Large swings in operating and free cash flow make internally generated funding less predictable. Although insurers naturally experience timing effects, repeated volatility can constrain flexibility for investment, distributions and strategic execution.
Thin And Inconsistent Profitability Reduces Earnings Quality
Rapid top-line expansion has not translated consistently into strong bottom-line margins. Low profitability and prior losses indicate sensitivity to claims, investment results and one-off items, making sustained earnings growth less certain.
Claims, Catastrophe And Segment Execution Risks Pressure Margins
Aviva remains exposed to weather and catastrophe losses, adverse protection experience and slower Health growth. These issues can raise combined ratios, require additional investment and delay margin improvement across affected businesses.
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Aviva plc Stock Smart Score
Company Description
Aviva plc
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 plc (GU81) Earnings & Revenues
GU81 Earnings Call
Earnings Call SentimentPositive
The call highlighted multiple strong financial and operational outcomes — notably 24% operating profit growth, double-digit EPS growth, >20% IFRS ROE, large Wealth net flows (+32%), significant Direct Line synergies already delivered, and clear progress toward capital-lighting the business. These positives are tempered by near-term challenges including Health missing its GBP 100m target, a 14% drop in Protection profit, idiosyncratic large losses (particularly in Canada), one-off write-offs weighing on underlying COR, and elevated Q3 weather/CAT risk in Canada. On balance the positive momentum, delivered synergies, strong capital and cash generation, and scalable AI and customer advantages outweigh the setbacks, supporting an optimistic outlook for achieving the 3-year targets and sustained growth beyond 2028.
View all CH:GU81 earnings summaries