Aviva (AVVIY) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Aug 06, 2026

TBA (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.81

Last Year’s EPS

0.79

Same Quarter Last Year

Analyst Consensus

―

Based on 0 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Mar 05, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presents a strongly positive operating and capital position: management beat near‑term targets early, reported robust profit and capital metrics (operating profit +25%, EPS ahead of baseline, solvency c.180%), raised ambitions and resumed shareholder returns (dividend +10%, GBP 350m buyback). Wealth, GI and AI-driven efficiency gains are clear growth and margin levers. The key risks highlighted are cyclical underwriting volatility (large losses, weather), short-term drag and execution risk from Direct Line integration, some reduced protection sales, and competitive pressures in bulk annuities/Commercial Lines. Overall the positives — delivered results, capital strength, clear synergy and AI upside, and upgraded targets — substantially outweigh the manageable near-term challenges.

Company Guidance

The call reiterated near‑term and 3‑year guidance: Aviva has already met its 2026 targets and expects U.K. & Ireland General Insurance to deliver a combined ratio better than 94% in 2026 (group COR was 94.6% in 2025; underlying 96.7%), Canada’s COR is expected to approach 94%, and the group is targeting an 11% operating EPS CAGR from 2025–2028 (55p baseline to ~75p by 2028; 2025 EPS was 56p). Financial and capital guidance included a resumed GBP 350m share buyback, a final dividend of 26.2p (total 39.3p, +10% y/y), solvency back to c.180% supported by GBP 2.3bn OFG, delivery of at least GBP 350m (c.7 points) of solvency benefit from Direct Line synergies by year‑end and a progressive operating capital generation build of ~20 points in 2027. Business targets reiterated: GBP 280m Wealth profit ambition by 2027, further acceleration beyond 75% capital‑light, Direct Line cost savings uplift to GBP 225m (GBP 100m achieved; GBP 50m delivered in H2 2025; remaining GBP 175m over next 3 years), and continued investment (including ~GBP 50m to unlock ≥GBP 50m p.a. claims benefits) to drive productivity and AI‑enabled improvements.

Strong overall financial performance

Operating profit rose 25% to GBP 2.2 billion; basic operating EPS was 56p (ahead of the 55p baseline); IFRS return on equity was 17.5%. Cash remittances increased 4% to GBP 2.1 billion and own funds generation (OFG) was GBP 2.3 billion. Solvency cover was strong at c.180%.

Capital returns to shareholders

Final dividend increased 10% to 26.2p (total dividend 39.3p, +10% year-on-year). Share buyback programme resumed at GBP 350 million. Management reiterated progressive dividend policy and regular buybacks as part of capital allocation.

General Insurance growth and improving margins

Group General Insurance premiums grew materially (Amanda: +18% year-on-year; Charlotte noted U.K. & Ireland premiums +27% driven by Direct Line inclusion). U.K. combined ratio was 93.9% (1.0 point improvement); group combined ratio reported ~94.6% with management targeting 'better than 94%' for 2026 (subject to normal weather). GI operating profit expanded (c. GBP 1.5 billion) and GI represented the largest share of unit profit.

Wealth momentum — higher assets, flows and profitability

Wealth AUM > GBP 230 billion; record net flows almost GBP 11 billion. Workplace AUM GBP 153 billion with net flows +6% and ~GBP 1 billion of regular monthly member contributions. Adviser Platform flows +11%; Direct Wealth customer base grew ~33% to >100,000. Wealth operating profit +36%, operating margin improved ~1.1 percentage points and operating profit as a portion of revenue reached 23% (+4 points). On track for GBP 280m Wealth profit ambition in 2027.

Retirement & bulk annuity capability

Wrote GBP 4.6 billion of bulk purchase annuities in 2025; Aviva Investors originated GBP 3.5 billion of real assets to support deals. Achieved mid-teens IRR on transactions and individual annuity sales were up 19% to GBP 1.6 billion (highest since 2015 reforms).

AI and operational efficiency gains

Tangible AI benefits already realised: halved medical underwriting review time, reduced call wrap time by 20% in Direct Wealth, and c. GBP 100 million saved so far through claims transformation. Announced partnership with OpenAI and progressing an in-house AI-enabled claims agent to handle simple claims end-to-end (voice-enabled). Management are funding AI/automation within existing change budgets and citing further upside.

Direct Line integration progress and cost synergy delivery

6-month contribution included from Direct Line; GBP 2.9 billion of assets transferred to Aviva Investors; Direct Line cost programme of GBP 100m achieved and first GBP 50m of group cost savings realised in H2 2025 (contributed ~GBP 10m to 2025 operating profit). Group uplifted cost savings ambition to GBP 225m (remaining GBP 175m to be delivered over the next three years) and investing c. GBP 50m to capture at least GBP 50m annual claims cost benefits.

Aviva (AVVIY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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AVVIY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 06, 2026	2026 (Q2)	0.81 / -	0.787	―	―	―
Mar 05, 2026	2025 (Q4)	0.86 / 0.74	0.624	18.91% (+0.12)
Aug 14, 2025	2025 (Q2)	0.72 / 0.79	0.599	31.39% (+0.19)
Feb 27, 2025	2024 (Q4)	0.61 / 0.62	0.64	-2.50% (-0.02)
Aug 14, 2024	2024 (Q2)	0.54 / 0.60	0.508	17.91% (+0.09)
Mar 07, 2024	2023 (Q4)	0.50 / 0.64	1.031	-37.92% (-0.39)
Aug 16, 2023	2023 (Q2)	0.41 / 0.51	0.576	-11.81% (-0.07)
Mar 09, 2023	2022 (Q4)	0.55 / 1.03	0.789	30.67% (+0.24)
Aug 10, 2022	2022 (Q2)	0.47 / 0.58	0.068	747.06% (+0.51)	―	―
Mar 02, 2022	2021 (Q4)	0.88 / 0.79	1.047	-24.64% (-0.26)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AVVIY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Mar 05, 2026	$17.84	$17.20	-3.58%
Aug 14, 2025	$17.55	$17.98	+2.43%
Feb 27, 2025	$12.45	$12.90	+3.63%
Aug 14, 2024	$11.44	$11.55	+0.91%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Aviva (AVVIY) report earnings?

Aviva (AVVIY) is schdueled to report earning on Aug 06, 2026, TBA (Confirmed).

What is Aviva (AVVIY) earnings time?

Aviva (AVVIY) earnings time is at Aug 06, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AVVIY EPS forecast?

AVVIY EPS forecast for the fiscal quarter 2026 (Q2) is 0.81.