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Aviva PLC
F:GU8

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Aviva PLC
F:GU8
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Price: 4.74 EUR -0.63% Market Closed
Market Cap: €13.3B

Aviva PLC
Investor Relations

Aviva PLC is a British insurance company that sells life insurance, car and home insurance, pensions, retirement products, and related savings and investment services. It serves individuals, families, and businesses, mainly in the UK and Ireland, with some international exposure through selected insurance and asset-management activities. Aviva makes money by collecting premiums from policyholders and fees on retirement and investment products. In simple terms, customers pay Aviva to take on risk, manage long-term savings, or handle claims when something goes wrong. The company also earns income from managing assets tied to those insurance and pension products. What makes Aviva’s business different is that it sits at the center of everyday financial protection and retirement planning rather than one-off purchases. Its products are built for long time periods, so the company depends on trust, careful risk pricing, and strong investment management. That makes it both an insurer and a long-term steward of customer savings.

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Last Earnings Call
Fiscal Period
Q2 2025
Call Date
Aug 14, 2025
AI Summary
Q2 2025

Profit Growth: Aviva reported a 22% increase in operating profit to £1.1 billion, with strong contributions across all divisions, especially General Insurance.

Dividend Increase: Interim dividend raised by 10% to 13.1p per share, reflecting both regular growth and the Direct Line acquisition uplift.

Direct Line Integration: The acquisition was completed in July and integration is progressing quickly, with early signs of improvement and financial benefits expected.

Capital Strength: Solvency cover ratio improved to 206%, up 3 points since the start of the year, and capital generation remains robust.

Strategic Progress: Aviva continues to shift towards capital-light businesses, now at 66% of the portfolio, with targets to exceed 70% following Direct Line.

Growth Across Segments: General Insurance, Wealth, and Health all saw notable growth, with Wealth net flows up 16% and Health premiums up 14%.

Market Discipline: Management emphasized strong pricing discipline amid softening markets, particularly in personal lines insurance, and underscored retention and underwriting quality.

Outlook: Current group targets remain on track, with potential updates in November to reflect the Direct Line acquisition.

Key Financials
Operating Profit
£1.1 billion
Operating Capital Generation
£957 million
Own Funds Generation
£909 million
Return on Equity
16.7%
Cash Remittances
over £1 billion
Solvency Cover Ratio
206%
General Insurance Premiums
up 7% in constant currency
General Insurance Operating Profit
£648 million
General Insurance Combined Operating Ratio (COR)
94.6% (undiscounted)
Wealth Net Flows
£5.8 billion
Wealth Assets Under Management
nearly £210 billion
Health In-Force Premiums
£1 billion
Dividend
13.1p per share (interim)
Wealth Operating Profit
£76 million
Health Operating Profit
£29 million
Retirement Sales
£2.9 billion
Bulk Annuities Sales
£2 billion
Combined Operating Ratio (UK and Ireland GI)
93.7%
Canada GI Combined Operating Ratio
94.7% (undiscounted)
Number of Customers with Two or More Policies
5.5 million
Net Promoter Score
over 50
Contractual Service Margin (CSM)
£7.8 billion
Earnings Call Recording
Other Earnings Calls
2025
2022

Management

Ms. Amanda Jayne Blanc ACII, MBA
Group CEO & Executive Director
No Bio Available
Ms. Charlotte Claire Jones
Group CFO & Executive Director
No Bio Available
Mr. Nick Amin
Chief Operating Officer
No Bio Available
Mr. John Cummings
Chief Information Officer
No Bio Available
Rupert Taylor Rea
Investor Relations Director
No Bio Available
Ms. Kirstine A. Cooper
Group General Counsel
No Bio Available
Ms. Cheryl Toner
Chief Customer & Marketing Officer
No Bio Available
Ms. Danielle Harmer
Chief People Officer
No Bio Available
Mr. Martin Muir
Group Chief Capital Officer
No Bio Available
Mr. Jason Chambers
Head of Underwriting Transformation
No Bio Available

Contacts

Address
London
St. Helens, 1 Undershaft
Contacts
+442072832000.0
www.aviva.com
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