Aviva

AV.L

Insurance - Diversified · Financial Services

Exchange

London Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Mixed

Cash Flow

Strong

Stability

Good

Valuation

Good

Dividends

Exceptional

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Winston Score History

The full picture

Aviva is one of the largest insurance and savings companies in the United Kingdom. It sells life insurance, car insurance, home insurance, and retirement savings products to millions of everyday customers. It also serves businesses with workplace pensions and commercial insurance, making it a major player across both personal and corporate financial protection.

Aviva makes money by collecting premiums from policyholders and earning returns by investing those funds, a model common across the insurance industry. The company operates mainly in the UK, Ireland, and Canada, after selling off several international businesses in recent years to focus on its core markets. Its large existing customer base and strong brand recognition in the UK give it a degree of stability, but rising claims costs from inflation and increasing competition in motor and home insurance remain ongoing pressures on profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+176.3% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

-45.5% YoY

YoY Growth Rate

Earnings declining

Insider Activity

1.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£380.6B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

Aviva is growing revenue at 176% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

66.0%

Premium pricing power — 66.0% gross margin

Profit after running costs

Operating Margin

2.6%

Thin — 2.6% operating margin

Return on the money invested

ROCE

9.3%

Below par — 9.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+131.2%

Fast-growing sales (+131.2% YoY)

Profit growth

EPS YoY

-19.5%

Earnings shrinking (-19.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

748%

Turns 748% of profit into real cash

Spare cash per sale

FCF Margin

6.4%

Modest free cash flow (6.4%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.79

Moderate — manageable debt (0.79)

Covers its interest

Interest Cover

3.10x

Tight — interest eats into profit (3.1x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

39.2x

no trend

Pricey — P/E 39.2

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+27.9

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (39.2 → 11.2)

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Dividends

Dividend

Dividend Yield

5.41%

no trend

Healthy income — 5.41% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+16.5%

no trend

Dividend growing fast (16.5% YoY)

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