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Aviva plc
AV.L: LSELowest reading is at 38 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Ms. Amanda Jayne Blanc ACII, MBA
Market Cap
20.91 Billion GBp
Sector
Financial Services
Website
https://www.aviva.comLast Update
27/09/2026, 17:13:37
Description
Aviva plc provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, India, and China.
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Strongest readings
- ✔Share count has been falling at 2.98% per year
- ✔Dividend growth averages 5.92% per year
- ✔Estimated fair value sits 57.80% above the current price
Weakest readings
- ✘A high share of income is paid out as dividend (189.42%)
- ✘Price-to-earnings of 40.2 is above the market average of 19.6
- ✘Earnings and cashflow growth is weak (growth score 38 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 40.18x | 19.60x | |
| ✔ | Margin of safety (DCF) | 57.80% | 17.95% | |
| ✔ | Revenue growth (5y average) | 21.29% | 10.97% | |
| ✔ | Dividend yield (TTM) | 5.73% | 1.85% | |
| ✔ | Share count, per year | -2.98% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
75 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 40.18x | 19.60x | |
| ✔ | Free cashflow yield | 23.23% | 4.70% | |
| ✘ | Price / earnings growth | 2.87x | 1.50x | |
| Price / book | 209.66x | — | ||
| ✔ | Margin of safety | 57.80% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 1.10 Thousand GBp is above the current price of 699.20 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 28.7 GBp ✘
Current Price: 699.2 GBp
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
38 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 21.29% | 10.97% | |
| ✘ | Earnings growth | -11.71% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
not enough dataNot enough of the underlying data is reported to score this section.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| Debt / equity | N/A | 0.80x | ||
| Debt / total capital | N/A | 1.00x | ||
| Equity / assets | 2.70% | — | ||
| ✘ | Debt / free cashflow | 0.00x | 0.15x | |
| Interest coverage | N/A | 2.50x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
59 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 5.73% | 1.85% | |
| ✔ | Dividend growth | 32.84% | 0.00% | |
| ✘ | Payout ratio (earnings) | 189.42% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 24.68% | 65.00% | |
| ✔ | Worst year, last 5 years | 4.22% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
84 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| Return on equity | N/A | 15.00% | ||
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.26% | — | ||
| Free cashflow return on capital | N/A | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✔ | Share count, per year | -2.98% | 0.00% | |
| ✘ | Share count, recent | 4.77% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.02% | 2.00% | |
| Price volatility, 5 year | 22.64% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 75 out of 100
- ✘Dividends were raised while earnings fell (dividend 5.92% per year, earnings -11.71% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
AV.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Aviva plc
Currency
GBp
Beta
0.628
Vol Avg
7273436
Ceo
Ms. Amanda Jayne Blanc ACII, MBA
Cik
Cusip
Exchange
LSE
Full Time Employees
39359
Industry
Insurance - Diversified
Sector
Financial Services
Ipo Date
Address
80 Fenchurch Street
City
London
State
Country
United Kingdom
Zip
EC3M 4AE
Phone
44 20 7283 2000
Analysis Last Updated
27/09/2026, 17:13:37
Financial data compiled from SEC EDGAR filings and Yahoo Finance.