Aviva (CHIX:AVL) Debt-to-Asset : 0.02 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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CHIX:AVL Aviva PLC CHIX:AVL
37 GF Score
Price £7.30
GF Value £7.96
Valuation Fairly Valued
! 5 Warning Signs
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What is Aviva Debt-to-Asset?

Aviva CHIX:AVL -0.85% 37 Debt-to-Asset is 0.02 as of Jun. 2026. GuruFocus rates CHIX:AVL with a GF Score™ of 37/100 and a GF Value™ of £7.96 (Fairly Valued). The stock has 5 warning signs investors should review.

Aviva's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was £51 Mil. Aviva's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was £6,006 Mil. Aviva's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was £416,778 Mil. Aviva's debt to asset for the quarter that ended in Jun. 2026 was 0.01.

Aviva  (CHIX:AVl) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Aviva Debt-to-Asset Related Terms

Aviva Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Aviva's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Aviva Debt-to-Asset Chart

Aviva Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.03 0.02 0.02 0.02

Aviva Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.02 0.02 0.02 0.02

CHIX:AVL vs BRK.A, AIG, HIG: Debt-to-Asset Comparison

For the Insurance - Diversified subindustry, Aviva's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Aviva Debt-to-Asset vs Insurance Industry

For the Insurance industry and Financial Services sector, Aviva's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Aviva's Debt-to-Asset falls into.


CHIX:AVL
37GF Score
Aviva PLC CHIX:AVL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Aviva Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Aviva's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(1320 + 5986) / 395304
=0.02

Aviva's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(51 + 6006) / 416778
=0.01

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.02 mean?
Aviva (CHIX:AVL) has a Debt-to-Asset of 0.02 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Aviva and its competitors.
Is Aviva's Debt-to-Asset too high?
Aviva's current Debt-to-Asset is 0.02. Overall, Aviva has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aviva's Debt-to-Asset compare to BRK.A and AIG?
Aviva's Debt-to-Asset of 0.02 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for an Insurance company?
A good Debt-to-Asset depends on the Insurance industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Aviva and its competitors. Aviva's current Debt-to-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aviva stock overvalued right now?
Based on GuruFocus' analysis, Aviva (CHIX:AVL) is currently considered Fairly Valued. The stock's GF Value™ is £7.96, compared to a current price of £7.30 — trading 8.3% below its estimated fair value. The current Debt-to-Asset is 0.02. Aviva's overall GF Score™ is 37/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Aviva (CHIX:AVL), the current Debt-to-Asset is 0.02 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Aviva (CHIX:AVL) Overvalued in 2026?

Based on GuruFocus' analysis, Aviva stock appears to be undervalued. The current stock price of £7.30 is trading 8.3% below its estimated GF Value™ of £7.96. GuruFocus considers Aviva to be Fairly Valued.

Key valuation signals for CHIX:AVL:

  • Debt-to-Asset: 0.02
  • GF Value™: £7.96 vs. price of £7.30 (8.3% below fair value)
  • GF Score™: 37/100 with 5 warning signs

No single metric tells the full story. See the CHIX:AVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Aviva Business Description

Address 80 Fenchurch Street, London, GBR, EC3M 4AE
Aviva is a multiline insurer listed on the London Stock Exchange. The company traces its roots back to the 17th century with the establishment of Hand in Hand. After the Great Fire of London, this mutual was formed to provide protection against fires. Hand in Hand was then acquired in 1905 by Commercial Union. Over the years, Hand in Hand insured London landmarks such as London Bridge, the British Museum, and Lambeth Palace. The life insurance part of Aviva began in the early part of the 18th century with the establishment of Amicable, also a mutual, but this time to protect widows and children against loss of life and loss of income.
37GF Score

Get the complete analysis for CHIX:AVL

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£7.30
Price
£7.96
GF Value