Aviva PLC (AV) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Aviva PLC stock £3.28, price £7.53, that is 56.4% below the price, quality 37 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Aviva PLC
AV · LSEOur calculation puts a fair price 56% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range £2.82 – £7.53 · fair‑value band £2.93 – £4.13 · the £7.53 price screens above the £3.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
Every Wednesday you see whether Aviva is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Aviva plc provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, India, and China. It operates through General Insurance; Insurance, Wealth & Retirement; Aviva Investors; and International Investments segments.
Show moreShow less
The company offers gadget, home, motor, pet, and health insurance, as well as commercial, specialty insurance and protection.
It also provides life insurance, long-term health and accident insurance, savings, pension, and annuity products, as well as pension fund and lifetime mortgage products; insurance cover to individuals, small and medium-sized businesses for risks associated with motor vehicles and medical expenses, as well as property and liability, such as employers' and professional indemnity liabilities; and personal and commercial lines insurance products for risks associated motor, property, and liability.
In addition, the company offers investment management services for institutional pension fund mandates; and manages various retail investment products, including fixed income, equities, multi-asset, real estate and infrastructure for third-party financial institutions, pension funds, public sector organizations, investment professionals, and private investors.
It markets its products through a network of insurance brokers, affinity partners, and banks, as well as MyAviva platform price comparison websites. The company was formerly known as CGNU plc and changed its name to Aviva plc in July 2002.
Aviva plc was founded in 1696 and is headquartered in London, the United Kingdom.
Stock analysis
Aviva PLC (AV) currently trades at £7.53, while our model-based Fair Value estimate is £3.28, 56% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Dividend Discount group reads highest at a median of £6.79 per share, and 1 of the 6 models we run sit above the £7.53 price.
Bear case: the Asset-Based group reads lowest at £0.7900, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: £2.93 (bear) to £4.13 (bull), the price of £7.53 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Aviva PLC reported revenue of £58.5B in FY2025 versus £32.0B in FY2021, a compound +16.3%/yr. Reported net income was £1.0B in FY2025, compounding +25.5%/yr from FY2021.
Key figures
Market cap £23.0B Large · P/E ratio 44.3 · P/S ratio 0.75 · EPS (TTM) £0.1700 · Dividend yield 5.3% · Net margin 2.1% · Return on equity 7.1% · Return on assets (EBIT) 0.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 36 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −56%, AV screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
AV screens overvalued: fair value 56% below the price. Compare with Allianz SE →
Recent news
- Morgan Stanley backs Aviva on UK insurance earnings upside
- Deutsche Bank appointed as Successor Depositary Bank for the American Depositary Receipt Program of Aviva plc
- Aviva Insurance Ireland DAC (Aviva) and insureMO to Launch New Embedded Insurance Proposition Across Europe
- Is Aviva (LSE:AV.) Fairly Valued As Governance Changes Refocus The Investment Case?
Compare Aviva PLC with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 73 stocks
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Arch Capital Group ACGL | $110.68 | $133.22 | +20% | vs AV |
| American International Group AIG | $81.71 | $72.63 | −11% | vs AV |
| The Hartford Insurance Group HIG | $138.11 | $115.03 | −17% | vs AV |
| AXA SA CS | €45.71 | €35.31 | −23% | vs AV |
| Talanx AG TLX | €134.70 | €89.76 | −33% | vs AV |
| Zurich Insurance Group ZURN | CHF 643.80 | CHF 320.92 | −50% | vs AV |
| Sun Life Financial Inc SLF | $81.98 | $40.74 | −50% | vs AV |
| Allianz SE ALV | €465.10 | €229.28 | −51% | vs AV |
| Swiss Life Holding SLHN | CHF 988.20 | CHF 413.28 | −58% | vs AV |
| Assicurazioni Generali S.p.A G | €44.56 | €15.32 | −66% | vs AV |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Aviva PLC (AV) overvalued or undervalued?
What is the fair value of AV?
What is the quality score of AV?
What is the price target for Aviva PLC (AV)?
What is the Aviva PLC stock forecast for 2026?
What is the revenue of Aviva PLC (AV)?
Does Aviva PLC pay a dividend?
What is the intrinsic value of Aviva PLC (AV)?
Is Aviva PLC stock overvalued or undervalued in 2026?
Is fair value the same as the market price of AV?
How much is Aviva PLC worth?
What do the bullish and bearish scenarios say about AV?
What is the P/E ratio of AV?
What is the PEG ratio of AV?
How solid is the balance sheet of Aviva PLC (AV)?
How far is AV from its 52-week high?
Which stocks are comparable to Aviva PLC?
Is Aviva PLC stock attractive at the current price?
How is the fair value of AV calculated?
Is it still worth investing in stocks now?
What is the share price of Aviva PLC (AV)?
What should I pay attention to with Aviva PLC right now?
Where does the earnings growth of Aviva PLC (AV) come from?
Key figures of Aviva PLC
How large is the market capitalisation of Aviva PLC (AV)?
What is the P/S ratio of Aviva PLC (AV)?
What are the earnings per share of Aviva PLC (AV)?
What is the dividend yield of Aviva PLC (AV)?
What is the net margin of Aviva PLC (AV)?
What is the return on equity of Aviva PLC (AV)?
What is the EBIT return on assets of Aviva PLC (AV)?
What is the operating margin of Aviva PLC (AV)?
How fast is revenue growing at Aviva PLC (AV)?
How fast are earnings growing at Aviva PLC (AV)?
How much free cash flow does Aviva PLC (AV) generate?
How much net cash does Aviva PLC (AV) hold?
Watch Aviva PLC in the live analysis
One click puts Aviva PLC on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.