Aviva (AVVIY)
OTHER OTC:AVVIY
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Aviva
(OTC:AVVIY)
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Rating:62Neutral
Price Target:
$18.00
▲(4.59% Upside)
Action:ReiteratedDate:03/08/26
The score reflects strong valuation support (low P/E and high dividend) and a constructive earnings-call outlook (capital strength, buyback/dividend growth, and clear multi-year targets), offset by weaker technical momentum and a fundamental risk from inconsistent cash-flow generation and thin/variable profitability.
Positive Factors
Revenue Growth
Strong revenue growth indicates robust demand for Aviva's products and services, enhancing its market position and potential for future expansion.
Negative Factors
Declining Profitability Margins
Declining margins may indicate rising costs or inefficiencies, potentially impacting long-term profitability and competitiveness.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong revenue growth indicates robust demand for Aviva's products and services, enhancing its market position and potential for future expansion.
Read all positive factors
Aviva (AVVIY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.55B
Dividend Yield5.27%
Average Volume (3M)4.41K
Price to Earnings (P/E)19.2
Beta (1Y)0.50
Revenue Growth48.54%
EPS Growth23.05%
CountryUS
Employees29,091
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.73
Shares Outstanding1,511,511,800
10 Day Avg. Volume0
30 Day Avg. Volume4,408
Financial Highlights & Ratios
PEG Ratio1.54
Price to Book (P/B)1.86
Price to Sales (P/S)0.35
P/FCF Ratio-7.22
Enterprise Value/Market Cap0.34
Enterprise Value/Revenue0.15
Enterprise Value/Gross Profit0.15
Enterprise Value/Ebitda10.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.64
Revenue Forecast (FY)$80.29B
Aviva Business Overview & Revenue Model
Company Description
Aviva plc provides various insurance, retirement, investment, and savings products in the United Kingdom, Ireland, Canada, and internationally. The company offers life insurance, long-term health and accident insurance, savings, pension, and annui...
How the Company Makes Money
Aviva generates revenue through multiple key streams, primarily from premiums collected from its insurance policies, which include life, health, and property insurance. The company also earns significant income from its asset management services, ...
Aviva Earnings Call Summary
Earnings Call Date:Mar 05, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 06, 2026
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.Positive Updates
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%.
Negative Updates
Combined ratio and underwriting headwinds remain cyclical
Underlying combined ratio pressure noted (Charlotte cited underlying COR rising to c.96.7% in some measures) and group COR was 94.6% in 2025. Management’s pledge to deliver 'better than 94%' in 2026 depends on prior-year development, improved large-loss experience, normal weather and full-year benefits from rate/actions - none of which are guaranteed.
Read all updates
Q4-2025 Updates
Positive
Negative
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%.
Read all positive updates
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.Aviva Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
67
Positive
Cash Flow
42
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 57.44B | 22.74B | 21.58B | 16.20B | 16.66B |
| Gross Profit | 58.84B | 22.74B | 40.76B | -20.72B | 16.66B |
| EBITDA | 2.06B | 1.58B | 2.03B | -887.00M | 1.33B |
| Net Income | 1.03B | 683.00M | 1.08B | -1.05B | 1.97B |
Balance Sheet | |||||
| Total Assets | 395.30B | 353.88B | 328.84B | 315.32B | 358.47B |
| Cash, Cash Equivalents and Short-Term Investments | 18.55B | 23.48B | 17.27B | 22.50B | 12.48B |
| Total Debt | 7.31B | 6.89B | 7.37B | 8.07B | 8.47B |
| Total Liabilities | 384.21B | 345.26B | 319.24B | 302.42B | 339.02B |
| Stockholders Equity | 10.69B | 8.30B | 9.28B | 9.90B | 19.20B |
Cash Flow | |||||
| Free Cash Flow | -2.75B | 8.27B | -3.08B | 15.78B | -2.97B |
| Operating Cash Flow | -2.56B | 8.45B | -2.73B | 15.88B | -2.86B |
| Investing Cash Flow | -1.14B | 162.00M | -350.00M | -339.00M | 74.00M |
| Financing Cash Flow | -2.04B | -2.49B | -1.82B | -5.94B | -4.40B |
Aviva Technical Analysis
Positive
17.21
Price Trends
16.51
Positive
16.76
Positive
16.77
Positive
Market Momentum
0.28
Negative
64.25
Neutral
96.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVVIY, the sentiment is Positive. The current price of 17.21 is above the 20-day moving average (MA) of 16.42, above the 50-day MA of 16.51, and above the 200-day MA of 16.77, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 64.25 is Neutral, neither overbought nor oversold. The STOCH value of 96.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AVVIY.
Aviva Risk Analysis
Aviva disclosed 15 risk factors in its most recent earnings report. Aviva reported the most risks in the "Macro & Political" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Aviva Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $37.50B | 10.99 | 22.01% | 1.55% | 6.90% | 41.67% | |
75 Outperform | $33.65B | ― | 21.07% | ― | 8.66% | 32.96% | |
73 Outperform | $21.80B | 11.69 | 13.53% | 3.44% | -1.98% | 48.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $12.31B | 10.92 | 11.63% | 5.77% | 33.06% | 50.47% | |
62 Neutral | $25.55B | 19.24 | 10.20% | 5.27% | 48.54% | 23.05% | |
62 Neutral | $40.13B | 15.62 | 7.50% | 2.02% | -19.92% | 7.41% |
* Financial Sector Average
AVVIY
Aviva
16.95
2.92
20.85%
AEG
Aegon
8.23
2.11
34.54%
AIG
American International Group
74.80
-4.26
-5.39%
ACGL
Arch Capital Group
94.46
4.79
5.34%
HIG
Hartford Insurance
136.81
16.98
14.17%
PFG
Principal Financial
100.91
29.60
41.51%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.