AVIVA PLC (GU81.DE) Fundamental Analysis & Valuation

FRA:GU81 • GB00BPQY8M80

Current stock price

6.9 EUR
-0.1 (-1.43%)
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

  • In the past year GU81 was profitable.
  • GU81 had a negative operating cash flow in the past year.
  • GU81 had positive earnings in 4 of the past 5 years.
  • In multiple years GU81 reported negative operating cash flow during the last 5 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

  • Looking at the Return On Assets, with a value of 0.19%, GU81 is doing worse than 81.40% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.18%, GU81 is doing worse than 79.07% of the companies in the same industry.
  • The Return On Invested Capital of GU81 (0.34%) is worse than 62.79% of its industry peers.
  • GU81 had an Average Return On Invested Capital over the past 3 years of 0.39%. This is below the industry average of 2.95%.
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

  • GU81's Profit Margin of 2.82% is on the low side compared to the rest of the industry. GU81 is outperformed by 81.40% of its industry peers.
  • In the last couple of years the Profit Margin of GU81 has declined.
  • The Operating Margin of GU81 (8.53%) is worse than 65.12% of its industry peers.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. GU81.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GU81 is destroying value.
  • GU81 has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GU81 has more shares outstanding
  • Compared to 1 year ago, GU81 has an improved debt to assets ratio.
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.
  • With a decent Altman-Z score value of 0.12, GU81 is doing good in the industry, outperforming 72.09% of the companies in the same industry.
  • A Debt/Equity ratio of 0.68 indicates that 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 65.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF N/A
Altman-Z 0.12
ROIC/WACC0.05
WACC7.59%
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.
  • GU81's Current ratio of 0.33 is fine compared to the rest of the industry. GU81 outperforms 76.74% 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 76.74% 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

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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.
  • The Earnings Per Share has been decreasing by -3.43% on average over the past years.
  • GU81 shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.31%.
  • The Revenue for GU81 have been decreasing by -21.91% on average. This is quite bad
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.
  • Based on estimates for the next years, GU81 will show a quite strong growth in Revenue. The Revenue will grow by 9.62% on average per year.
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

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4

4. GU81.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.00, the valuation of GU81 can be described as very reasonable.
  • 72.09% of the companies in the same industry are more expensive than GU81, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 24.75. GU81 is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 13.76 indicates a correct valuation of GU81.
  • Based on the Price/Forward Earnings ratio, GU81 is valued a bit more expensive than the industry average as 69.77% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, GU81 is valued a bit cheaper.
Industry RankSector Rank
PE 10
Fwd PE 13.76
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

4.2 Price Multiples

  • GU81's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. GU81 is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.61
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

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

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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 6.65%, which is a nice return.
  • GU81's Dividend Yield is rather good when compared to the industry average which is at 4.47. GU81 pays more dividend than 90.70% of the companies in the same industry.
  • GU81's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 6.65%

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

  • GU81 pays out 162.45% of its income as dividend. 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

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GU81.DE Fundamentals: All Metrics, Ratios and Statistics

AVIVA PLC

FRA:GU81 (3/30/2026, 7:00:00 PM)

6.9

-0.1 (-1.43%)

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 Cap21.10B
Revenue(TTM)27.22B
Net Income(TTM)767.00M
Analysts75.45
Price Target8.39 (21.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.65%
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)0%
PT rev (3m)8.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.32%
EPS NY rev (3m)0.12%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 10
Fwd PE 13.76
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 1.71
P/tB 4.38
EV/EBITDA 2.61
EPS(TTM)0.69
EY10%
EPS(NY)0.5
Fwd EY7.27%
FCF(TTM)-1.04
FCFYN/A
OCF(TTM)-0.97
OCFYN/A
SpS10.26
BVpS4.03
TBVpS1.58
PEG (NY)N/A
PEG (5Y)N/A
Graham Number7.91
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
WACC7.59%
ROIC/WACC0.05
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 Year34.01%
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 and the Price/Book (PB) ratio is 1.71.


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

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