AVIVA PLC (GU81.DE) Stock Fundamental Analysis
Europe - FRA:GU81 - GB00BPQY8M80 - Common Stock
7.8 EUR
-0.1 (-1.27%)
GU81 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 40 industry peers in the Insurance industry. The financial health of GU81 is average, but there are quite some concerns on its profitability. GU81 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GU81 was profitable.
GU81 had a positive 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.
1.2 Ratios
The Return On Assets of GU81 (0.16%) is worse than 82.50% of its industry peers.
The Return On Equity of GU81 (7.06%) is worse than 77.50% of its industry peers.
GU81's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. GU81 is outperformed by 67.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 7.06% | ||
| ROIC | 0.35% |
ROA(3y)0.05%
ROA(5y)0.25%
ROE(3y)2.6%
ROE(5y)6.75%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GU81 has a worse Profit Margin (2.53%) than 82.50% of its industry peers.
In the last couple of years the Profit Margin of GU81 has declined.
GU81's Operating Margin of 8.56% is on the low side compared to the rest of the industry. GU81 is outperformed by 65.00% of its industry peers.
In the last couple of years the Operating Margin of GU81 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.56% | ||
| PM (TTM) | 2.53% | ||
| GM | N/A |
OM growth 3Y23.87%
OM growth 5Y5.31%
PM growth 3Y-21.37%
PM growth 5Y-5.11%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GU81 is destroying value.
GU81 has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GU81 has been reduced compared to 5 years ago.
Compared to 1 year ago, GU81 has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.11, we must say that GU81 is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of GU81 (0.11) is better than 75.00% of its industry peers.
GU81 has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
GU81 has a better Debt to FCF ratio (1.66) than 72.50% of its industry peers.
GU81 has a Debt/Equity ratio of 0.87. This is a neutral value indicating GU81 is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.87, GU81 is doing worse than 65.00% of the companies in the same industry.
Although GU81 does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | 0.11 |
ROIC/WACC0.04
WACC7.78%
2.3 Liquidity
GU81 has a Current Ratio of 0.31. 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 (0.31) is better than 72.50% of its industry peers.
A Quick Ratio of 0.31 indicates that GU81 may have some problems paying its short term obligations.
GU81 has a Quick ratio of 0.31. This is in the better half of the industry: GU81 outperforms 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
The earnings per share for GU81 have decreased strongly by -53.66% in the last year.
GU81 shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.31% yearly.
GU81 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.92%.
The Revenue for GU81 have been decreasing by -19.91% on average. This is quite bad
EPS 1Y (TTM)-53.66%
EPS 3Y-28.95%
EPS 5Y-22.31%
EPS Q2Q%-3.9%
Revenue 1Y (TTM)8.92%
Revenue growth 3Y-12.56%
Revenue growth 5Y-19.91%
Sales Q2Q%15.09%
3.2 Future
GU81 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.54% yearly.
Based on estimates for the next years, GU81 will show a quite strong growth in Revenue. The Revenue will grow by 15.02% on average per year.
EPS Next Y29.58%
EPS Next 2Y18.13%
EPS Next 3Y15.74%
EPS Next 5Y8.54%
Revenue Next Year72.51%
Revenue Next 2Y35.53%
Revenue Next 3Y24.22%
Revenue Next 5Y15.02%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 30.00, GU81 can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of GU81 indicates a rather expensive valuation: GU81 more expensive than 82.50% of the companies listed in the same industry.
GU81's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.02.
A Price/Forward Earnings ratio of 11.20 indicates a reasonable valuation of GU81.
The rest of the industry has a similar Price/Forward Earnings ratio as GU81.
GU81's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30 | ||
| Fwd PE | 11.2 |
4.2 Price Multiples
90.00% of the companies in the same industry are more expensive than GU81, based on the Enterprise Value to EBITDA ratio.
GU81's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GU81 is cheaper than 77.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.7 | ||
| EV/EBITDA | 3.31 |
4.3 Compensation for Growth
GU81's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as GU81's earnings are expected to grow with 15.74% in the coming years.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y18.13%
EPS Next 3Y15.74%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.42%, GU81 is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.48, GU81 pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, GU81 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.42% |
5.2 History
The dividend of GU81 decreases each year by -2.91%.
Dividend Growth(5Y)-2.91%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
GU81 pays out 197.47% of its income as dividend. This is not a sustainable payout ratio.
DP197.47%
EPS Next 2Y18.13%
EPS Next 3Y15.74%
FRA:GU81 (10/10/2025, 7:00:00 PM)
7.8
-0.1 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners68.08%
Inst Owner ChangeN/A
Ins Owners0.14%
Ins Owner ChangeN/A
Market Cap23.84B
Analysts80
Price Target7.8 (0%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.42% |
Yearly Dividend0.4
Dividend Growth(5Y)-2.91%
DP197.47%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30 | ||
| Fwd PE | 11.2 | ||
| P/S | 0.88 | ||
| P/FCF | 4.7 | ||
| P/OCF | 4.51 | ||
| P/B | 2.47 | ||
| P/tB | 4.4 | ||
| EV/EBITDA | 3.31 |
EPS(TTM)0.26
EY3.33%
EPS(NY)0.7
Fwd EY8.93%
FCF(TTM)1.66
FCFY21.28%
OCF(TTM)1.73
OCFY22.19%
SpS8.82
BVpS3.16
TBVpS1.77
PEG (NY)1.01
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 7.06% | ||
| ROCE | 0.58% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.37% | ||
| ROICexgc | 0.4% | ||
| OM | 8.56% | ||
| PM (TTM) | 2.53% | ||
| GM | N/A | ||
| FCFM | 18.82% |
ROA(3y)0.05%
ROA(5y)0.25%
ROE(3y)2.6%
ROE(5y)6.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y9.18%
ROICexcg growth 5Y-19.05%
ROICexc growth 3Y8.35%
ROICexc growth 5Y-10.53%
OM growth 3Y23.87%
OM growth 5Y5.31%
PM growth 3Y-21.37%
PM growth 5Y-5.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 1.66 | ||
| Debt/EBITDA | 3.53 | ||
| Cap/Depr | 304.84% | ||
| Cap/Sales | 0.8% | ||
| Interest Coverage | 5.8 | ||
| Cash Conversion | 222.29% | ||
| Profit Quality | 743.94% | ||
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 | ||
| Altman-Z | 0.11 |
F-Score7
WACC7.78%
ROIC/WACC0.04
Cap/Depr(3y)325.04%
Cap/Depr(5y)254.54%
Cap/Sales(3y)1.07%
Cap/Sales(5y)0.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-53.66%
EPS 3Y-28.95%
EPS 5Y-22.31%
EPS Q2Q%-3.9%
EPS Next Y29.58%
EPS Next 2Y18.13%
EPS Next 3Y15.74%
EPS Next 5Y8.54%
Revenue 1Y (TTM)8.92%
Revenue growth 3Y-12.56%
Revenue growth 5Y-19.91%
Sales Q2Q%15.09%
Revenue Next Year72.51%
Revenue Next 2Y35.53%
Revenue Next 3Y24.22%
Revenue Next 5Y15.02%
EBIT growth 1Y-18.45%
EBIT growth 3Y8.31%
EBIT growth 5Y-15.66%
EBIT Next Year28.06%
EBIT Next 3Y19.55%
EBIT Next 5YN/A
FCF growth 1Y-48.52%
FCF growth 3Y319.56%
FCF growth 5Y7.21%
OCF growth 1Y-47.15%
OCF growth 3Y237.33%
OCF growth 5Y7.22%