Aviva (GU81) Stock Overview

Provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, and internationally. More details

GU81 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	1/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 50.5% below our estimate of its fair value

Earnings are forecast to grow 14.28% per year

Risk Analysis

Profit margins (2.4%) are lower than last year (5.6%)

Dividend of 5.25% is not well covered by earnings

GU81 Community Fair Values

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Aviva plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for Aviva
Historical stock prices
Current Share Price	UK£7.85
52 Week High	UK£8.15
52 Week Low	UK£7.30
Beta	0.61
1 Month Change	3.29%
3 Month Change	2.61%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	21.98%

Recent updates

Shareholder Returns

	GU81	DE Insurance	DE Market
7D	-0.6%	-0.2%	-0.4%
1Y	n/a	16.5%	13.2%

Return vs Industry: Insufficient data to determine how GU81 performed against the German Insurance industry.

Return vs Market: Insufficient data to determine how GU81 performed against the German Market.

Price Volatility

Is GU81's price volatile compared to industry and market?
GU81 volatility
GU81 Average Weekly Movement	3.6%
Insurance Industry Average Movement	2.4%
Market Average Movement	5.2%
10% most volatile stocks in DE Market	12.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: GU81 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine GU81's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1696	29,091	Dame Amanda Blanc	www.aviva.com

Aviva plc provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, and internationally. The company offers life insurance, long-term health and accident insurance, savings, pension, and annuity products, as well as pension fund business and lifetime mortgage products. It also provides 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.

Aviva plc Fundamentals Summary

How do Aviva's earnings and revenue compare to its market cap?
GU81 fundamental statistics
Market cap	€23.68b
Earnings (TTM)	€685.01m
Revenue (TTM)	€27.98b

34.6x

P/E Ratio

0.8x

P/S Ratio

Is GU81 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GU81 income statement (TTM)
Revenue	UK£24.26b
Cost of Revenue	UK£19.95b
Gross Profit	UK£4.31b
Other Expenses	UK£3.72b
Earnings	UK£594.00m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Mar 05, 2026

Earnings per share (EPS)	0.20
Gross Margin	17.78%
Net Profit Margin	2.45%
Debt/Equity Ratio	72.1%

How did GU81 perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

165%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/19 15:24
End of Day Share Price	2026/01/16 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Aviva plc is covered by 30 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Larissa van Deventer	Barclays
Larissa Van Deventer	Barclays
Edward Houghton	Bernstein

Aviva plcXTRA:GU81 Stock Report