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Aviva plc (DE:GU81)
XETRA:GU81
Earnings Data
Report Date
Aug 06, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.35Last Year’s EPS
0.33Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a strongly positive operational and financial performance: Aviva beat near-term targets, delivered solid growth across GI, Wealth and Retirement, improved margins in many areas, and resumed capital returns (dividend and buyback). Technology and AI progress and Direct Line integration show strategic momentum. Balanced against these positives are near-term integration work for Direct Line, elevated underlying combined ratio driven by some large losses and one-off favourable items, and pockets of lower sales (protection) and IFRS dynamics in Retirement. Overall, the achievements and growth trajectory materially outweigh the challenges noted, leaving management confident in delivery of raised 3-year ambitions.Company Guidance
Strong Group Financial Performance
Operating profit up 25% to GBP 2.2bn; operating EPS 56p; IFRS return on equity 17.5%; cash remittances up 4% to GBP 2.1bn; own funds generation (OFG) of c. GBP 2.3bn and solvency at c.180%.
Delivered 2026 Targets Early and Raised Ambitions
Management confirmed achievement of previously set 2026 group targets a year early, announced new 3-year targets (including Direct Line) and guidance for an 11% operating EPS CAGR to ~75p by 2028.
Customer and Scale Metrics
Over 25 million customers globally with >7 million multiproduct holders; Wealth assets > GBP 230bn; Workplace AUM GBP 153bn; record Wealth net flows of almost GBP 11bn.
General Insurance Growth and Improving Profitability
GI premiums up (Amanda cited +18% group GI; Charlotte: U.K. & Ireland premiums +27% including Direct Line; Commercial Lines premiums +7%); U.K. combined ratio 93.9% (1 point improvement) and GI operating profit expanded to almost GBP 1.5bn.
Wealth Momentum and Margin Expansion
Wealth operating profit up 36%; operating margin and operating profit as portion of revenue improved (operating margin progression noted; Workplace profit margin up ~2 percentage points over 2 years); Direct business customers grew ~33% to >100k.
Retirement Execution and Attractive Returns
Written GBP 4.6bn of bulk annuities in 2025 with Aviva Investors originating GBP 3.5bn of real assets to support transactions; achieved mid-teens IRR, above low‑teens guidance; individual annuity sales up 19% to GBP 1.6bn.
Shareholder Returns and Capital Actions
Final dividend 26.2p (total 39.3p) up 10% YoY; resumed share buyback at GBP 350m; clear capital allocation framework and target to deliver GBP 350m (7 points) solvency benefit from Direct Line synergies.
Direct Line Integration Progress
6-month contribution included in results; transferred GBP 2.9bn of assets to Aviva Investors; Direct Line branded PCW sales doubled in Q3 and nearly doubled again in Q4; delivered Direct Line's GBP 100m own cost programme and first GBP 50m of integration cost savings in H2 2025.
AI and Technology Gains with Measurable Benefits
Extensive ML pricing (98% of retail U.K. Personal Lines priced with ML); halved medical underwriting review time; reduced call wrap times by 20% in Direct Wealth; nearly GBP 100m saved via claims transformation; partnership announced with OpenAI.
DE:GU81 Earnings History
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
DE:GU81 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Aug 14, 2025 | €7.50 | €7.90 | +5.22% |
Feb 27, 2025 | €5.96 | €5.96 | 0.00% |
Aug 14, 2024 | €5.17 | €5.26 | +1.78% |
Mar 07, 2024 | €4.63 | €4.81 | +3.78% |
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 plc (DE:GU81) report earnings?
Aviva plc (DE:GU81) is schdueled to report earning on Aug 06, 2026, TBA (Confirmed).
What is Aviva plc (DE:GU81) earnings time?
Aviva plc (DE:GU81) 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 the P/E ratio of Aviva plc stock?
The P/E ratio of Aviva plc is N/A.
What is DE:GU81 EPS forecast?
DE:GU81 EPS forecast for the fiscal quarter 2026 (Q2) is 0.35.