Aviva plc provides various insurance, retirement, and savings products in the United Kingdom, Ireland, Canada, France, Italy, Poland, and internationally. More Details
Undervalued average dividend payer.
Share Price & News
How has Aviva's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AV. is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: AV.'s weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: AV. exceeded the UK Insurance industry which returned 39.3% over the past year.
Return vs Market: AV. exceeded the UK Market which returned 23.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Aviva's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 days ago | Simply Wall StIf You Had Bought Aviva (LON:AV.) Shares A Year Ago You'd Have Earned 75% Returns
1 month ago | Simply Wall StNeed To Know: Aviva plc (LON:AV.) Insiders Have Been Buying Shares
1 month ago | Simply Wall StHow Does Aviva plc (LON:AV.) Stand Up To These Simple Dividend Safety Checks?
Is Aviva undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AV. (£4.07) is trading below our estimate of fair value (£8.38)
Significantly Below Fair Value: AV. is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AV. is good value based on its PE Ratio (8.5x) compared to the UK Insurance industry average (16.5x).
PE vs Market: AV. is good value based on its PE Ratio (8.5x) compared to the UK market (25.6x).
Price to Earnings Growth Ratio
PEG Ratio: AV.'s earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: AV. is good value based on its PB Ratio (0.8x) compared to the GB Insurance industry average (1.3x).
How is Aviva forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AV.'s earnings are forecast to decline over the next 3 years (-7% per year).
Earnings vs Market: AV.'s earnings are forecast to decline over the next 3 years (-7% per year).
High Growth Earnings: AV.'s earnings are forecast to decline over the next 3 years.
Revenue vs Market: AV.'s revenue is expected to decline over the next 3 years (-20.5% per year).
High Growth Revenue: AV.'s revenue is forecast to decline over the next 3 years (-20.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AV.'s Return on Equity is forecast to be low in 3 years time (8.9%).
How has Aviva performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AV. has a high level of non-cash earnings.
Growing Profit Margin: AV.'s current net profit margins (4.7%) are lower than last year (5.7%).
Past Earnings Growth Analysis
Earnings Trend: AV.'s earnings have grown significantly by 27.8% per year over the past 5 years.
Accelerating Growth: AV.'s has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AV. had negative earnings growth (-23.1%) over the past year, making it difficult to compare to the Insurance industry average (-13%).
Return on Equity
High ROE: AV.'s Return on Equity (9.9%) is considered low.
How is Aviva's financial position?
Financial Position Analysis
Short Term Liabilities: AV.'s short term assets (£70.0B) exceed its short term liabilities (£37.9B).
Long Term Liabilities: AV.'s short term assets (£70.0B) do not cover its long term liabilities (£421.4B).
Debt to Equity History and Analysis
Debt Level: AV.'s debt to equity ratio (47.1%) is considered high.
Reducing Debt: AV.'s debt to equity ratio has reduced from 60.7% to 47.1% over the past 5 years.
Debt Coverage: AV.'s operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: AV.'s interest payments on its debt are well covered by EBIT (7.9x coverage).
What is Aviva current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AV.'s dividend (5.16%) is higher than the bottom 25% of dividend payers in the UK market (1.36%).
High Dividend: AV.'s dividend (5.16%) is in the top 25% of dividend payers in the UK market (4.1%)
Stability and Growth of Payments
Stable Dividend: AV.'s dividend payments have been volatile in the past 10 years.
Growing Dividend: AV.'s dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (43.7%), AV.'s dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AV.'s dividends in 3 years are forecast to be well covered by earnings (46.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Amanda Blanc (53 yo)
Ms. Amanda Jayne Blanc serves as a Director at Welsh Rugby Union Limited. She has been Group Chief Executive Officer of Aviva Plc since July 6, 2020 and serves as its Director since January 2, 2020. She ha...
CEO Compensation Analysis
Compensation vs Market: Amanda's total compensation ($USD2.53M) is below average for companies of similar size in the UK market ($USD3.64M).
Compensation vs Earnings: Insufficient data to compare Amanda's compensation with company performance.
Experienced Management: AV.'s management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
Experienced Board: AV.'s board of directors are not considered experienced ( 1.2 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AV. insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Aviva plc's company bio, employee growth, exchange listings and data sources
- Name: Aviva plc
- Ticker: AV.
- Exchange: LSE
- Founded: 1696
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: UK£16.075b
- Shares outstanding: 3.93b
- Website: https://www.aviva.com
Number of Employees
- Aviva plc
- St Helen’s
- 1 Undershaft
- Greater London
- EC3P 3DQ
- United Kingdom
Aviva plc provides various insurance, retirement, and savings products in the United Kingdom, Ireland, Canada, France, Italy, Poland, and internationally. The company offers life insurance, long-term healt...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/18 19:10|
|End of Day Share Price||2021/05/18 00:00|
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 here.