Aviva AV.L
Aviva is a diversified insurer and asset manager headquartered in the United Kingdom, offering life, general, and health insurance, as well as savings and investment products, primarily in the UK, Ireland, and Canadian markets. Aviva shows solid revenue growth (16.9%), but its profitability is weak (ROE 7.08%) and earnings have fallen 43.7%, reflected in weak financial health and quality. Valuation is demanding on a P/E basis (41.22), though the forward P/E of 10.10 suggests an expectation of improvement.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Aviva is a diversified insurer and asset manager headquartered in the United Kingdom, offering life, general, and health insurance, as well as savings and investment products, primarily in the UK, Ireland, and Canadian markets. Aviva shows solid revenue growth (16.9%), but its profitability is weak (ROE 7.08%) and earnings have fallen 43.7%, reflected in weak financial health and quality. Valuation is demanding on a P/E basis (41.22), though the forward P/E of 10.10 suggests an expectation of improvement.
Score by category
| Category | Score |
|---|---|
| Financial health | 3.2 |
| Quality / Moat | 3.0 |
| Valuation | 2.2 |
| Growth | 3.9 |
| Dividend | 0.5 |
| Momentum | 5.1 |
| Risk & Context | 7.8 |
OVERALL SCORE: 3.7/10
Context and risks
Moderate regulatory risk in the UK, with a stable governance framework but active supervision of the insurance sector. Exposure to geopolitical tensions is indirect through financial markets.
News considered in the analysis
- 3 Financial Stocks to Watch as Higher Bond Yields Reshape Bank and Insurer Profits — El aumento de los rendimientos de los bonos puede mejorar los ingresos por inversiones de Aviva, un factor positivo para su rentabilidad futura.
- FTSE 100 today: Stocks drop as Hormuz tanker hit, Aramco cuts Europe supply — La tensión geopolítica en Ormuz genera aversión al riesgo en el mercado, afectando negativamente al sentimiento hacia el FTSE 100, aunque el impacto directo en Aviva es limitado.
- FTSE indexes gain after BoE holds rates steady, pauses gilt sales — La pausa en las ventas de gilts y la estabilidad de tipos del BoE reducen la presión sobre los rendimientos de los bonos, lo que puede ser positivo para el sector asegurador.
- St. James’s Place names Justin Onuekwusi CEO of investments — Noticia sobre un competidor, sin impacto directo en Aviva.
- Amanda Blanc to step down from BP after boardroom chaos — Noticia sobre la CEO de Aviva en relación a su cargo en BP, sin impacto en los fundamentales de Aviva.
Verdict: Hold pending a tangible improvement in profitability and earnings stability.
Main risk: The decline in earnings (-43.7%) and unsustainable payout (229.82%) are the main risks, as they could force a dividend cut or a capital raise.
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