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AvivaAIVAF +3.67%58 Debt-to-EBITDA is 6.89 as of Dec. 2025, which is 92% above its 10-year median of 3.59. GuruFocus rates AIVAF with a GF Score™ of 58/100 and a GF Value™ of $10.47 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 322 Insurance companies, Aviva ranks worse than 86.96% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Aviva's Debt-to-EBITDA or its related term are showing as below:
AIVAF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -9.1 Med: 3.59 Max: 5.53
Current: 4.02
During the past 13 years, the highest Debt-to-EBITDA Ratio of Aviva was 5.53. The lowest was -9.10. And the median was 3.59.
AIVAF's Debt-to-EBITDA is ranked worse than 86.96% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs AIVAF: 4.02
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Aviva Debt-to-EBITDA Related Terms
Aviva Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Aviva's Debt-to-EBITDA 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.
AIVAF vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Aviva's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Aviva's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Aviva (AIVAF) has a Debt-to-EBITDA of 6.89 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Aviva. This is 92% above median its historical median of 3.59. According to the industry distribution chart, Aviva ranks #280 out of 322 companies in the Insurance industry, placing it in the top 87%.
Is Aviva's Debt-to-EBITDA too high?
Aviva's current Debt-to-EBITDA of 6.89 is 92% above median its 10-year median of 3.59. The Insurance industry median Debt-to-EBITDA is 1.19. Aviva's value of 6.89 is 481.4% above this industry median. Based on the distribution chart, Aviva ranks #280 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Aviva has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #280 out of 322 companies for Debt-to-EBITDA. This places Aviva in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Aviva's value of 6.89 is 481.4% above this benchmark. While the company's 10-year median is 3.59 vs. the industry median of 1.19, Aviva has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current Debt-to-EBITDA of 6.89 is 481.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Aviva. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current Debt-to-EBITDA is 6.89, which is 92% above median its own 10-year median of 3.59. 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 (AIVAF) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.47, compared to a current price of $8.76 — trading 16.3% below its estimated fair value. The current Debt-to-EBITDA is 6.89, which is 92% above median its 10-year median of 3.59 and 481.4% above the Insurance industry median of 1.19. Aviva's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Aviva (AIVAF), the current Debt-to-EBITDA is 6.89 as of Dec. 2025. 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 (AIVAF) Overvalued in 2026?
Based on GuruFocus' analysis, Aviva stock appears to be undervalued.
The current stock price of $8.76 is trading 16.3% below its estimated GF Value™ of $10.47.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for AIVAF:
Debt-to-EBITDA: 6.89 (92% above median its 10-year median of 3.59)
GF Value™: $10.47 vs. price of $8.76 (16.3% below fair value)
Industry Position: 481.4% above the Insurance median (#280 of 322)
No single metric tells the full story. See the AIVAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
58GF Score
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