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AvivaCHIX:AVL +0.45%61 3-Year EPS without NRI Growth Rate is 15.70% as of Jun. 2026, which is 528% above its 10-year median of 2.50. GuruFocus rates CHIX:AVL with a GF Score™ of 61/100 and a GF Value™ of £7.96 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 399 Insurance companies, Aviva ranks worse than 50.88% on this metric.
During the past 12 months, Aviva's average EPS without NRI Growth Rate was 94.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 15.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Aviva was 367.70% per year. The lowest was -77.20% per year. And the median was 2.50% per year.
Aviva (CHIX:AVl) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Aviva 3-Year EPS without NRI Growth Rate Related Terms
CHIX:AVL vs BRK.A, AIG, HIG: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Diversified subindustry, Aviva's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Aviva's 3-Year EPS without NRI Growth Rate falls into.
Aviva 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 15.70% mean?
Aviva (CHIX:AVL) has a 3-Year EPS without NRI Growth Rate of 15.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Aviva and its competitors. This is 528% above median its historical median of 2.50. According to the industry distribution chart, Aviva ranks #203 out of 399 companies in the Insurance industry, placing it in the top 50.9%.
Is Aviva's 3-Year EPS without NRI Growth Rate too high?
Aviva's current 3-Year EPS without NRI Growth Rate of 15.70% is 528% above median its 10-year median of 2.50. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.30. Aviva's value of 15.70% is 3.7% below this industry median. Based on the distribution chart, Aviva ranks #203 out of 399 companies in the Insurance industry, which is below the industry midpoint. Overall, Aviva has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's 3-Year EPS without NRI Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #203 out of 399 companies for 3-Year EPS without NRI Growth Rate. This places Aviva in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.30. Aviva's value of 15.70% is 3.7% below this benchmark. While the company's 10-year median is 2.50 vs. the industry median of 16.30, Aviva has consistently been below 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.30, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current 3-Year EPS without NRI Growth Rate of 15.70% is 3.7% below 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Aviva and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current 3-Year EPS without NRI Growth Rate is 15.70%, which is 528% above median its own 10-year median of 2.50. 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 Modestly Undervalued. The stock's GF Value™ is £7.96, compared to a current price of £7.13 — trading 10.4% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 15.70%, which is 528% above median its 10-year median of 2.50 and 3.7% below the Insurance industry median of 16.30. Aviva's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Aviva (CHIX:AVL), the current 3-Year EPS without NRI Growth Rate is 15.70% 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 £7.13 is trading 10.4% below its estimated GF Value™ of £7.96.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for CHIX:AVL:
3-Year EPS without NRI Growth Rate: 15.70% (528% above median its 10-year median of 2.50)
GF Value™: £7.96 vs. price of £7.13 (10.4% below fair value)
Industry Position: 3.7% below the Insurance median (#203 of 399)
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 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.
61GF Score
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