AVIVA PLC (GU81.DE) Fundamental Analysis & Valuation

FRA:GU81 • GB00BPQY8M80

Current stock price

7.45 EUR
+0.05 (+0.68%)
Last:

This GU81.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. GU81.DE Profitability Analysis

1.1 Basic Checks

  • GU81 had positive earnings in the past year.
  • In the past year GU81 has reported a negative cash flow from operations.
  • Of the past 5 years GU81 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: GU81 reported negative operating cash flow in multiple years.
GU81.DE Yearly Net Income VS EBIT VS OCF VS FCFGU81.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • With a Return On Assets value of 0.19%, GU81 is not doing good in the industry: 82.98% of the companies in the same industry are doing better.
  • GU81's Return On Equity of 7.18% is on the low side compared to the rest of the industry. GU81 is outperformed by 78.72% of its industry peers.
  • With a Return On Invested Capital value of 0.34%, GU81 is not doing good in the industry: 61.70% of the companies in the same industry are doing better.
  • Measured over the past 3 years, the Average Return On Invested Capital for GU81 is below the industry average of 3.34%.
Industry RankSector Rank
ROA 0.19%
ROE 7.18%
ROIC 0.34%
ROA(3y)0.23%
ROA(5y)0.18%
ROE(3y)8.65%
ROE(5y)5.37%
ROIC(3y)0.39%
ROIC(5y)N/A
GU81.DE Yearly ROA, ROE, ROICGU81.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of GU81 (2.82%) is worse than 82.98% of its industry peers.
  • GU81's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 8.53%, GU81 is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of GU81 has grown nicely.
Industry RankSector Rank
OM 8.53%
PM (TTM) 2.82%
GM N/A
OM growth 3YN/A
OM growth 5Y7.76%
PM growth 3YN/A
PM growth 5Y-21.12%
GM growth 3YN/A
GM growth 5YN/A
GU81.DE Yearly Profit, Operating, Gross MarginsGU81.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. GU81.DE Health Analysis

2.1 Basic Checks

  • GU81 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • GU81 has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GU81 has been increased compared to 5 years ago.
  • The debt/assets ratio for GU81 has been reduced compared to a year ago.
GU81.DE Yearly Shares OutstandingGU81.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
GU81.DE Yearly Total Debt VS Total AssetsGU81.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

2.2 Solvency

  • Based on the Altman-Z score of 0.12, we must say that GU81 is in the distress zone and has some risk of bankruptcy.
  • GU81's Altman-Z score of 0.12 is fine compared to the rest of the industry. GU81 outperforms 74.47% of its industry peers.
  • GU81 has a Debt/Equity ratio of 0.68. This is a neutral value indicating GU81 is somewhat dependend on debt financing.
  • GU81 has a Debt to Equity ratio of 0.68. This is in the lower half of the industry: GU81 underperforms 65.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF N/A
Altman-Z 0.12
ROIC/WACC0.04
WACC7.69%
GU81.DE Yearly LT Debt VS Equity VS FCFGU81.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

  • GU81 has a Current Ratio of 0.33. This is a bad value and indicates that GU81 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of GU81 (0.33) is better than 72.34% of its industry peers.
  • A Quick Ratio of 0.33 indicates that GU81 may have some problems paying its short term obligations.
  • The Quick ratio of GU81 (0.33) is better than 72.34% of its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
GU81.DE Yearly Current Assets VS Current LiabilitesGU81.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. GU81.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.48% over the past year.
  • Measured over the past years, GU81 shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.43% on average per year.
  • Looking at the last year, GU81 shows a very strong growth in Revenue. The Revenue has grown by 24.31%.
  • GU81 shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -21.91% yearly.
EPS 1Y (TTM)4.48%
EPS 3Y-8.74%
EPS 5Y-3.43%
EPS Q2Q%925.42%
Revenue 1Y (TTM)24.31%
Revenue growth 3Y-40.01%
Revenue growth 5Y-21.91%
Sales Q2Q%32.83%

3.2 Future

  • Based on estimates for the next years, GU81 will show a small growth in Earnings Per Share. The EPS will grow by 2.13% on average per year.
  • The Revenue is expected to grow by 9.62% on average over the next years. This is quite good.
EPS Next Y-37.86%
EPS Next 2Y-14.74%
EPS Next 3Y-2.89%
EPS Next 5Y2.13%
Revenue Next Year55.49%
Revenue Next 2Y-3.95%
Revenue Next 3Y12.54%
Revenue Next 5Y9.62%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
GU81.DE Yearly Revenue VS EstimatesGU81.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B
GU81.DE Yearly EPS VS EstimatesGU81.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.2 0.4 0.6 0.8

More info and screens

Find the best growth stocksShow best growing peers

4

4. GU81.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.80, the valuation of GU81 can be described as reasonable.
  • 72.34% of the companies in the same industry are more expensive than GU81, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of GU81 to the average of the S&P500 Index (25.71), we can say GU81 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 14.82, GU81 is valued correctly.
  • Based on the Price/Forward Earnings ratio, GU81 is valued a bit more expensive than the industry average as 74.47% of the companies are valued more cheaply.
  • GU81's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.83.
Industry RankSector Rank
PE 10.8
Fwd PE 14.82
GU81.DE Price Earnings VS Forward Price EarningsGU81.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GU81 is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.09
GU81.DE Per share dataGU81.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as GU81's earnings are expected to decrease with -2.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.74%
EPS Next 3Y-2.89%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. GU81.DE Dividend Analysis

5.1 Amount

  • GU81 has a Yearly Dividend Yield of 6.29%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.14, GU81 pays a better dividend. On top of this GU81 pays more dividend than 85.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, GU81 pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.29%

5.2 History

  • The dividend of GU81 is nicely growing with an annual growth rate of 38.76%!
Dividend Growth(5Y)38.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
GU81.DE Yearly Dividends per shareGU81.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 162.45% of the earnings are spent on dividend by GU81. This is not a sustainable payout ratio.
  • GU81's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP162.45%
EPS Next 2Y-14.74%
EPS Next 3Y-2.89%
GU81.DE Yearly Income VS Free CF VS DividendGU81.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B
GU81.DE Dividend Payout.GU81.DE Dividend Payout, showing the Payout Ratio.GU81.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

GU81.DE Fundamentals: All Metrics, Ratios and Statistics

AVIVA PLC

FRA:GU81 (3/13/2026, 7:00:00 PM)

7.45

+0.05 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)08-12
Inst Owners73.89%
Inst Owner ChangeN/A
Ins Owners0.14%
Ins Owner ChangeN/A
Market Cap22.78B
Revenue(TTM)27.22B
Net Income(TTM)767.00M
Analysts75.45
Price Target8.39 (12.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.29%
Yearly Dividend0.5
Dividend Growth(5Y)38.76%
DP162.45%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.05%
PT rev (3m)6.29%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.32%
EPS NY rev (3m)0.57%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-1.57%
Valuation
Industry RankSector Rank
PE 10.8
Fwd PE 14.82
P/S 0.72
P/FCF N/A
P/OCF N/A
P/B 1.84
P/tB 4.71
EV/EBITDA 3.09
EPS(TTM)0.69
EY9.26%
EPS(NY)0.5
Fwd EY6.75%
FCF(TTM)-1.04
FCFYN/A
OCF(TTM)-0.97
OCFYN/A
SpS10.29
BVpS4.04
TBVpS1.58
PEG (NY)N/A
PEG (5Y)N/A
Graham Number7.92
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 7.18%
ROCE 0.61%
ROIC 0.34%
ROICexc 0.36%
ROICexgc 0.39%
OM 8.53%
PM (TTM) 2.82%
GM N/A
FCFM N/A
ROA(3y)0.23%
ROA(5y)0.18%
ROE(3y)8.65%
ROE(5y)5.37%
ROIC(3y)0.39%
ROIC(5y)N/A
ROICexc(3y)0.41%
ROICexc(5y)N/A
ROICexgc(3y)0.44%
ROICexgc(5y)N/A
ROCE(3y)0.68%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y0.42%
ROICexc growth 3YN/A
ROICexc growth 5Y10.3%
OM growth 3YN/A
OM growth 5Y7.76%
PM growth 3YN/A
PM growth 5Y-21.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF N/A
Debt/EBITDA 3.05
Cap/Depr 244.87%
Cap/Sales 0.7%
Interest Coverage 7.61
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.33
Quick Ratio 0.33
Altman-Z 0.12
F-Score5
WACC7.69%
ROIC/WACC0.04
Cap/Depr(3y)348.76%
Cap/Depr(5y)273.18%
Cap/Sales(3y)1.07%
Cap/Sales(5y)0.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.48%
EPS 3Y-8.74%
EPS 5Y-3.43%
EPS Q2Q%925.42%
EPS Next Y-37.86%
EPS Next 2Y-14.74%
EPS Next 3Y-2.89%
EPS Next 5Y2.13%
Revenue 1Y (TTM)24.31%
Revenue growth 3Y-40.01%
Revenue growth 5Y-21.91%
Sales Q2Q%32.83%
Revenue Next Year55.49%
Revenue Next 2Y-3.95%
Revenue Next 3Y12.54%
Revenue Next 5Y9.62%
EBIT growth 1Y48.5%
EBIT growth 3YN/A
EBIT growth 5Y5.8%
EBIT Next Year34.21%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-133.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-130.35%
OCF growth 3YN/A
OCF growth 5YN/A

AVIVA PLC / GU81.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AVIVA PLC?

ChartMill assigns a fundamental rating of 3 / 10 to GU81.DE.


What is the valuation status for GU81 stock?

ChartMill assigns a valuation rating of 4 / 10 to AVIVA PLC (GU81.DE). This can be considered as Fairly Valued.


What is the profitability of GU81 stock?

AVIVA PLC (GU81.DE) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for GU81 stock?

The Price/Earnings (PE) ratio for AVIVA PLC (GU81.DE) is 10.8 and the Price/Book (PB) ratio is 1.84.


What is the financial health of AVIVA PLC (GU81.DE) stock?

The financial health rating of AVIVA PLC (GU81.DE) is 2 / 10.