Cash flow Aviva plc

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AV.

GB00BPQY8M80

Life & Health Insurance

Real-time Estimate Cboe Europe Other stock markets 09:05:37 18/06/2026 BST			5-day change	1st Jan Change
640.80 ^GBX	-0.31%		+3.73%	-6.18%

06-16	Warsh Takes the Stage
06-16	Aviva plc Announces Special Redemption of Sterling-Denominated 6.125% Fixed/Fixed Rate Reset Subordinated Notes Due 2036	CI

7feb12.ZUcISVhxiH0zyDVD6TXl5GEsOA5Q5JV2gl1V5gPRMrg.PTRcABk8zCh-rHAii0eipxUUcD8Do_lP8BA9nzCOSOktLmJ5MQjSLwTlbA

Published financial data: AVIVA PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	14.39B	14.98B	18.5B	20.75B	25.44B
Total Interest And Dividend Income	-6.85B	25.39B	40M	6.69B	-875M
Gain (Loss) on Sale of Investments, Total (Rev)	7.63B	-46.78B	15.29B	11.02B	25.98B
Other Revenues, Total	1.49B	1.45B	-12.25B	-15.71B	-21.86B
Total Revenues	16.66B	-4.96B	21.58B	22.74B	28.68B
Policy Benefits	10.79B	-9.14B	16.98B	18.93B	23.18B
Policy Acquisition / Underwriting Costs, Total	3.02B	3.37B	-	-	-
Salaries And Other Employee Benefits	13M	20M	25M	23M	25M
Other Operating Expenses	2.59B	2.29B	2.05B	1.97B	2.26B
Reinsurance Income Or Expense	-151M	-117M	-	-	-
Total Operating Expenses	16.56B	-3.34B	19.05B	20.92B	25.46B
Operating Income	97M	-1.62B	2.53B	1.82B	3.22B
Interest Expense, Total	-427M	-369M	-376M	-372M	-353M
Income (Loss) on Equity Invest.	146M	-2M	-71M	136M	128M
Currency Exchange Gains (Loss)	9M	777M	55M	-166M	-883M
Other Non Operating Income (Expenses)	-114M	-81M	-78M	-96M	-100M
EBT, Excl. Unusual Items	-289M	-1.3B	2.06B	1.32B	2.01B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-7M	-61M	-217M	-360M
Impairment of Goodwill	-	-	-	-	-
Gain (Loss) on Sale of Assets	22M	-	-10M	191M	-
Asset Writedown	1.07B	-1.15B	-301M	-29M	196M
Other Unusual Items	-	77M	-	-	-
EBT, Incl. Unusual Items	801M	-2.38B	1.69B	1.27B	1.84B
Income Tax Expense	465M	-1.24B	584M	562M	789M
Earnings From Continuing Operations	336M	-1.14B	1.11B	705M	1.05B
Earnings Of Discontinued Operations	1.7B	-	-	-	-
Net Income to Company	2.04B	-1.14B	1.11B	705M	1.05B
Minority Interest	-70M	-21M	-21M	-22M	-130M
Net Income - (IS)	1.97B	-1.16B	1.08B	683M	924M
Preferred Dividend and Other Adjustments	17M	34M	51M	50M	157M
Net Income to Common Incl Extra Items	1.95B	-1.19B	1.03B	633M	767M
Net Income to Common Excl. Extra Items	249M	-1.19B	1.03B	633M	767M
Per Share Items
Net EPS - Basic	0.66	-0.38	0.38	0.24	0.27
Basic EPS - Continuing Operations	0.08	-0.38	0.38	0.24	0.27
Basic Weighted Average Shares Outstanding	2.96B	3.13B	2.74B	2.68B	2.86B
Net EPS - Diluted	0.65	-0.38	0.37	0.23	0.26
Diluted EPS - Continuing Operations	0.08	-0.38	0.37	0.23	0.26
Diluted Weighted Average Shares Outstanding	2.98B	3.13B	2.78B	2.72B	2.89B
Normalized Basic EPS	-0.08	-0.27	0.46	0.3	0.39
Normalized Diluted EPS	-0.08	-0.27	0.46	0.3	0.39
Dividend Per Share	0.29	0.31	0.33	0.36	0.39
Payout Ratio	57.32	-74.31	85.62	142.31	118.72
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
EBITDA	264M	-1.45B	2.6B	1.91B	3.37B
EBITA	242M	-1.48B	2.58B	1.88B	3.34B
EBIT	97M	-1.62B	2.53B	1.82B	3.22B
Total Revenues (As Reported)	33.18B	-21.24B	-	-	-
Effective Tax Rate - (Ratio)	58.05	52.12	34.56	44.36	42.81
Total Current Taxes	261M	54M	292M	182M	286M
Total Deferred Taxes	204M	-1.29B	292M	380M	503M
Normalized Net Income	-251M	-830M	1.27B	804M	1.12B
Interest on Long-Term Debt	414M	351M	307M	313M	317M
Non-Cash Pension Expense	-8M	-22M	-17M	6M	24M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	47M	58M	61M	61M	74M
Total Stock-Based Compensation	47M	58M	61M	61M	74M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	133B	104B	114B	116B	128B
Investment In Equity and Preferred Securities, Total	96.94B	87.58B	93.92B	97.34B	115B
Trading Asset Securities, Total	5.73B	4.92B	-	-	-
Real Estate Owned	7B	5.9B	6.23B	6.31B	6.99B
Mortgage Loans	21.68B	17.51B	17.4B	16.24B	16.82B
Policy Loans	14M	14M	-	-	-
Total Other Investments	30.81B	29.6B	39.37B	52.4B	61.82B
Total investments	295B	249B	271B	288B	329B
Cash And Equivalents	12.48B	22.5B	17.2B	23.48B	18.2B
Reinsurance Recoverable - (IS)	15.03B	13.06B	12.42B	14.98B	17.64B
Other Receivables - (Insurance Template)	23.2B	18.5B	18.1B	18.27B	19.16B
Deferred Policy Acquisition Costs - (BS)	2.72B	2.59B	788M	821M	834M
Gross Property Plant And Equipment	1.42B	1.38B	1.51B	985M	1.22B
Accumulated Depreciation	-989M	-1.03B	-1.08B	-630M	-692M
Net Property Plant And Equipment	428M	350M	424M	355M	526M
Goodwill	1.74B	2.07B	2.1B	2.58B	4.42B
Other Intangibles, Total	606M	694M	266M	723M	1.72B
Restricted Cash	-	-	77M	-	89M
Other Current Assets, Total	2.37B	2.82B	4.14B	3.36B	3.19B
Deferred Tax Assets Long-Term (Collected)	138M	611M	958M	614M	59M
Other Long-Term Assets, Total	4.31B	2.82B	1.56B	869M	951M
Total Assets	358B	315B	329B	354B	395B
Liabilities
Accrued Expenses, Total	-	-	2.07B	1.97B	2.13B
Insurance And Annuity Liabilities	124B	102B	122B	124B	133B
Current Portion of Long-Term Debt	506M	278M	-	-	-
Current Portion of Leases	67M	70M	77M	74M	88M
Short-Term Borrowings	50M	252M	51M	7.4B	6.45B
Long-Term Debt	6.79B	6.22B	6.32B	5.56B	5.54B
Long-Term Leases	405M	316M	295M	272M	362M
Current Income Taxes Payable	35M	40M	15M	1M	8M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	16.43B	14.36B	14.52B	19.5B	20.13B
Unearned Revenue Non Current	-	-	78M	41M	47M
Pension & Other Post Retirement Benefits	485M	360M	410M	372M	374M
Deferred Tax Liability Non-Current	1.98B	825M	453M	345M	481M
Other Non Current Liabilities	188B	178B	173B	186B	216B
Total Liabilities	339B	302B	319B	345B	384B
Preferred Stock Non Redeemable	200M	200M	200M	200M	-
Total Preferred Equity	200M	200M	200M	200M	-
Common Stock, Total	941M	924M	901M	881M	1.01B
Additional Paid In Capital	1.25B	1.26B	17M	17M	17M
Retained Earnings	7.56B	327M	2.23B	1.39B	1.23B
Treasury Stock	-51M	-85M	-87M	-81M	-43M
Comprehensive Income and Other	9.31B	9.96B	6.02B	5.9B	8.48B
Total Common Equity	19B	12.38B	9.08B	8.1B	10.69B
Minority Interest	252M	310M	318M	316M	403M
Total Equity	19.45B	12.9B	9.6B	8.62B	11.09B
Total Liabilities And Equity	358B	315B	329B	354B	395B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.85B	2.79B	2.72B	2.66B	3.05B
ECS Total Common Shares Outstanding	2.85B	2.79B	2.72B	2.66B	3.05B
Book Value / Share	6.66	4.44	3.34	3.05	3.51
Tangible Book Value	16.66B	9.62B	6.72B	4.8B	4.54B
Tangible Book Value Per Share	5.84	3.45	2.47	1.8	1.49
Total Debt	7.82B	7.14B	6.75B	13.31B	12.43B
Net Debt	-4.67B	-15.36B	-10.45B	-10.17B	-5.77B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-2.27B	-832M	-407M	-79M	-187M
Minority Interest, Total (Incl. Fin. Div)	252M	310M	318M	316M	403M
Equity Method Investments, Total	1.77B	1.79B	1.35B	1.3B	1.29B
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	75M	70M	69M	83M	121M
Full Time Employees	22.06K	24.36K	26.38K	29.09K	39.36K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.97B	-1.16B	1.08B	683M	924M
Depreciation, Depletion & Amortization	74M	57M	67M	62M	78M
Amortization of Goodwill and Intangible Assets - (CF)	145M	142M	51M	61M	120M
Total Depreciation, Depletion & Amortization	219M	199M	118M	123M	198M
Amortization of Deferred Charges, Total	-	-	67M	69M	40M
(Gain) Loss On Sale of Asset - (CF)	10M	8M	10M	-191M	-
(Gain) Loss on Sale of Investments - (CF)	-7.51B	46.89B	-11.92B	-11.56B	-24.45B
Total Asset Writedown	-1.06B	1.08B	301M	29M	-194M
Deferred Policy Acquisition Costs - (CF)	-90M	167M	70M	-41M	-3M
Amort. Of Deferred Policy Acq. Costs - (CF)	114M	102M	59M	52M	55M
(Income) Loss On Equity Investments - (CF)	-114M	49M	152M	-107M	-3M
Stock-Based Compensation (CF)	24M	58M	61M	61M	74M
Reinsurance Recoverable - (CF)	-1.71B	2.05B	-424M	-1.5B	-1.07B
Change in insurance Reserves / Liabilities	16.33B	-38.06B	22.22B	22.5B	32.44B
Change in Other Net Operating Assets (Collected)	-3.7B	-5.46B	-854M	3.04B	-5M
Net Cash From Discontinued Operations	3.08B	-	-	-	-
Other Operating Activities	-7.34B	9.96B	-13.68B	-4.71B	-10.57B
Cash from Operations	220M	15.88B	-2.73B	8.44B	-2.56B
Capital Expenditure	-86M	-16M	-149M	-50M	-93M
Sale of Property, Plant, and Equipment	159M	35M	-	-	-
Cash Acquisitions	-	-275M	-	-760M	-967M
Divestitures	23M	-	-	1.1B	16M
Purchase / Sale of Intangible Assets	-22M	-83M	-201M	-123M	-98M
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	74M	-339M	-350M	162M	-1.14B
Long-Term Debt Issued, Total	229M	659M	941M	640M	733M
Total Debt Issued	229M	659M	941M	640M	733M
Long-Term Debt Repaid, Total	-2.27B	-1.62B	-1.24B	-1.46B	-1.16B
Total Debt Repaid	-2.27B	-1.62B	-1.24B	-1.46B	-1.16B
Issuance of Common Stock	6M	513M	8M	-	497M
Repurchase of Common Stock	-732M	-4.16B	-376M	-353M	-25M
Repurchase of Preferred Stock	-	-	-	-	-452M
Common Dividends Paid	-1.11B	-845M	-912M	-955M	-1.09B
Preferred Dividends Paid	-17M	-17M	-17M	-17M	-9M
Common & Preferred Stock Dividends Paid	-1.13B	-862M	-929M	-972M	-1.1B
Other Financing Activities, Total	-510M	-471M	-221M	-349M	-528M
Cash from Financing	-4.4B	-5.94B	-1.82B	-2.49B	-2.04B
Foreign Exchange Rate Adjustments	-196M	93M	-22M	-212M	210M
Net Change in Cash	-4.3B	9.7B	-4.92B	5.9B	-5.53B
Supplemental Items
Cash Interest Paid	489M	450M	206M	328M	305M
Cash Income Tax Paid (Refund)	304M	210M	68M	243M	138M
Net Debt Issued / Repaid	-2.04B	-958M	-302M	-820M	-432M
Levered Free Cash Flow	2.59B	-1.27B	95.5M	1.91B	-910M
Unlevered Free Cash Flow	2.86B	-1.04B	330M	2.14B	-690M
Change In Net Working Capital	-2.53B	291M	1.21B	-871M	2.88B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.01	-0.3	0.5	0.33	0.54
Return on Total Capital	0.21	-4.28	9.39	5.14	8.84
Return On Equity %	1.68	-7.04	11.16	7.74	10.7
Return on Common Equity	1.3	-7.61	11.01	7.37	8.16
Margin Analysis
Gross Profit Margin %	17.09	-16.26	21.33	16.76	19.18
SG&A Margin	0.08	-0.4	0.12	0.1	0.09
EBITDA Margin %	1.58	29.3	12.06	8.38	11.76
EBITA Margin %	1.45	29.79	11.97	8.27	11.63
EBIT Margin %	0.58	32.65	11.73	8	11.21
Income From Continuing Operations Margin %	2.02	22.95	5.12	3.1	3.68
Net Income Margin %	11.8	23.38	5.03	3	3.22
Net Avail. For Common Margin %	1.49	24.06	4.79	2.78	2.67
Normalized Net Income Margin	-1.5	16.73	5.87	3.54	3.92
Levered Free Cash Flow Margin	15.55	25.68	0.44	8.39	-3.17
Unlevered Free Cash Flow Margin	17.16	21.03	1.53	9.41	-2.4
Asset Turnover
Asset Turnover	0.04	-0.01	0.07	0.07	0.08
Fixed Assets Turnover	27.86	-12.76	55.77	58.38	65.1
Short Term Liquidity
Current Ratio	2.45	3.31	2.25	1.58	1.54
Quick Ratio	1.43	2.25	1.26	0.95	0.81
Operating Cash Flow to Current Liabilities	0.01	1.06	-0.16	0.29	-0.09
Long Term Solvency
Total Debt/Equity	40.18	55.38	70.27	154.43	112.12
Total Debt / Total Capital	28.66	35.64	41.27	60.7	52.86
LT Debt/Equity	36.97	50.72	68.94	67.67	53.19
Long-Term Debt / Total Capital	26.38	32.65	40.49	26.6	25.07
Total Liabilities / Total Assets	94.57	95.91	97.08	97.56	97.19
EBIT / Interest Expense	0.23	-4.39	6.73	4.89	9.11
EBITDA / Interest Expense	0.74	-3.85	7.05	5.22	9.67
(EBITDA - Capex) / Interest Expense	0.54	-3.89	6.65	5.09	9.41
Total Debt / EBITDA	24.73	-5.03	2.55	6.85	3.64
Net Debt / EBITDA	-14.78	10.81	-3.94	-5.23	-1.69
Total Debt / (EBITDA - Capex)	33.98	-4.97	2.7	7.03	3.74
Net Debt / (EBITDA - Capex)	-20.3	10.69	-4.18	-5.37	-1.74
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-35.53	-129.78	33.13	5.36	26.11
Gross Profit, 1 Yr. Growth %	-42.32	-71.65	1.33K	-17.25	44.36
EBITDA, 1 Yr. Growth %	-91.44	-650.76	-284.48	-26.78	76.82
EBITA, 1 Yr. Growth %	-92.09	-710.74	-280	-27.18	77.3
EBIT, 1 Yr. Growth %	-96.63	-1.77K	-270.05	-28.12	76.65
Earnings From Cont. Operations, 1 Yr. Growth %	-77.08	-438.99	-207.38	-36.26	49.5
Net Income, 1 Yr. Growth %	-29.74	-159	-203.24	-37.05	35.29
Normalized Net Income, 1 Yr. Growth %	-120.22	231.32	-270.8	-36.56	39.8
Diluted EPS Before Extra, 1 Yr. Growth %	-80.86	-557.12	-207.18	-37.37	13.73
Net Property, Plant and Equip., 1 Yr. Growth %	-44.27	-18.22	21.14	-16.27	48.17
Total Assets, 1 Yr. Growth %	-25.3	-12.04	6.22	7.61	11.7
Common Equity, 1 Yr. Growth %	-1.82	-34.82	-6.41	-10.76	31.84
Tangible Book Value, 1 Yr. Growth %	-3.92	-42.25	-7.2	-25.9	-5.46
Cash From Operations, 1 Yr. Growth %	-108.86	7.12K	-117.2	-409.11	-130.35
Capital Expenditures, 1 Yr. Growth %	11.69	-81.4	831.25	-66.44	86
Levered Free Cash Flow, 1 Yr. Growth %	104.07	-141.57	-98.93	-15.07	-149.93
Unlevered Free Cash Flow, 1 Yr. Growth %	83.1	-131.32	-96.38	-13.74	-133.55
Dividend Per Share, 1 Yr. Growth %	4.99	6.86	7.74	6.89	10.08
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-37.72	-56.18	13.81	18.44	15.27
Gross Profit, 2 Yr. CAGR %	-50.76	-59.57	27.17	243.45	9.3
EBITDA, 2 Yr. CAGR %	-76.49	-31.35	214	16.22	13.82
EBITA, 2 Yr. CAGR %	-77.27	-30.5	226.7	14.49	13.63
EBIT, 2 Yr. CAGR %	-85.28	-25.03	410.91	10.56	12.68
Earnings From Cont. Operations, 2 Yr. CAGR %	-64.19	-11.86	81.43	-17.27	-2.38
Net Income, 2 Yr. CAGR %	-12.16	-35.61	-25.71	-19.39	-7.72
Normalized Net Income, 2 Yr. CAGR %	-66.13	-18.14	124.91	4.09	-5.82
Diluted EPS Before Extra, 2 Yr. CAGR %	-68.12	-6.47	110.99	-18.07	-15.6
Net Property, Plant and Equip., 2 Yr. CAGR %	-30.61	-32.49	-0.47	0.71	11.38
Total Assets, 2 Yr. CAGR %	-11.73	-18.94	-4.22	6.92	9.64
Common Equity, 2 Yr. CAGR %	4.18	-20.01	-30.87	-8.61	8.47
Tangible Book Value, 2 Yr. CAGR %	3.28	-25.51	-36.5	-18.58	-16.3
Cash From Operations, 2 Yr. CAGR %	-80.8	152.97	252.39	-27.08	-3.14
Capital Expenditures, 2 Yr. CAGR %	16.84	-54.42	31.63	76.78	-21
Levered Free Cash Flow, 2 Yr. CAGR %	91.23	0.16	-82.35	-53.72	-36.35
Unlevered Free Cash Flow, 2 Yr. CAGR %	68.71	-18.25	-68.5	-51.6	-47.28
Dividend Per Share, 2 Yr. CAGR %	19.28	5.92	7.3	7.31	8.47
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-9.22	-51.3	-5.83	10.92	20.94
Gross Profit, 3 Yr. CAGR %	17.21	-59.04	-2.29	10.2	157.27
EBITDA, 3 Yr. CAGR %	-45.12	-32.73	-5.51	93.27	33.7
EBITA, 3 Yr. CAGR %	-46.23	-31.92	-5.49	98.09	32.46
EBIT, 3 Yr. CAGR %	-58.41	-28.75	-4.22	165.73	29.25
Earnings From Cont. Operations, 3 Yr. CAGR %	-41.6	-24.25	-8.97	28.02	0.77
Net Income, 3 Yr. CAGR %	7.83	-23.07	-27.08	-29.7	-4.2
Normalized Net Income, 3 Yr. CAGR %	-23.12	-27.56	0.76	47.5	14.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-44.82	-22.56	-5.2	40.75	-8.6
Net Property, Plant and Equip., 3 Yr. CAGR %	-7.91	-26.71	-17.96	-6.04	14.54
Total Assets, 3 Yr. CAGR %	-5.85	-11.83	-11.84	-0.43	8.49
Common Equity, 3 Yr. CAGR %	3.2	-10.9	-22.29	-24.72	3.27
Tangible Book Value, 3 Yr. CAGR %	2.71	-14.91	-27.1	-33.96	-14.42
Cash From Operations, 3 Yr. CAGR %	-65.59	38.58	3.25	237.33	-45.56
Capital Expenditures, 3 Yr. CAGR %	-0.38	-36.67	24.61	-16.54	79.8
Levered Free Cash Flow, 3 Yr. CAGR %	49.57	21.59	-57.79	-14.61	-53.25
Unlevered Free Cash Flow, 3 Yr. CAGR %	38.26	1.28	-40.4	-13.71	-57.74
Dividend Per Share, 3 Yr. CAGR %	-9.75	14.99	6.53	7.16	8.23
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-16.13	-32.4	-0.63	-11.95	2.1
Gross Profit, 5 Yr. CAGR %	-14.24	-34.27	21.1	-20.16	2.19
EBITDA, 5 Yr. CAGR %	-35.13	-12.2	10.26	-16.78	1.8
EBITA, 5 Yr. CAGR %	-36.11	-11.69	10.65	-16.68	1.74
EBIT, 5 Yr. CAGR %	-46.03	-8.79	13.44	-16.48	2.21
Earnings From Cont. Operations, 5 Yr. CAGR %	-17.12	-7.1	-8.1	-23.09	-6.39
Net Income, 5 Yr. CAGR %	22.84	-4.97	-7.1	-23.15	-19.88
Normalized Net Income, 5 Yr. CAGR %	-26.69	-4.76	18.11	-18.11	-1.93
Diluted EPS Before Extra, 5 Yr. CAGR %	-15.91	-3.45	-5.64	-22.29	-9.51
Net Property, Plant and Equip., 5 Yr. CAGR %	-2.55	-7.22	-5	-16.77	-7.29
Total Assets, 5 Yr. CAGR %	-4.03	-6.56	-5.2	-5.11	-3.8
Common Equity, 5 Yr. CAGR %	1.17	-6.89	-12.08	-14.28	-11.2
Tangible Book Value, 5 Yr. CAGR %	3.4	-4.82	-15.26	-21.02	-23.52
Cash From Operations, 5 Yr. CAGR %	-45.9	15.46	-12.74	7.19	0.64
Capital Expenditures, 5 Yr. CAGR %	5.12	-25.35	11.36	-4.52	3.85
Levered Free Cash Flow, 5 Yr. CAGR %	-16.8	38.24	-34.21	21.9	-6.44
Unlevered Free Cash Flow, 5 Yr. CAGR %	-14.27	12.59	-21.11	16.34	-15.08
Dividend Per Share, 5 Yr. CAGR %	-1.1	-2.97	-3.28	11.85	7.3