Aviva PLC
F:GU81
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Intrinsic Value
The intrinsic value of 
Aviva PLC (GU81) under the Base Case is 10.038 EUR per share.
Compared with the current market price of 8.866 EUR, the stock appears
Undervalued by 12% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Aviva Does
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.
- Headquarters
- United Kingdom UK
- Employees
- 39 359
- IPO date
- Jun 4, 1990
Aviva has no economic moat
Customers can find similar cover elsewhere, and many home and motor policyholders can move at renewal without a large financial or practical penalty. Aviva’s reach and reputation help it compete, but do not establish a lasting barrier against other insurers offering better prices or comparable service.
Read the full moat analysisWhat is the Intrinsic Value of one GU81 stock?
The intrinsic value for Aviva PLC (GU81) under the Base Case is 10.038 EUR.
Is GU81 stock undervalued or overvalued?
Compared with the current market price of 8.866 EUR, the stock appears Undervalued by 12% .
