Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AvivaCHIX:AVL +1.29%64 EV-to-EBIT is 5.55 as of Jul. 27, 2026, which is 153% above its 10-year median of 2.19. GuruFocus rates CHIX:AVL with a GF Score™ of 64/100 and a GF Value™ of £7.96 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 347 Insurance companies, Aviva ranks better than 74.64% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Aviva's Enterprise Value is £10,088 Mil.
Aviva's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was £1,818 Mil. Therefore, Aviva's EV-to-EBIT for today is 5.55.
The historical rank and industry rank for Aviva's EV-to-EBIT or its related term are showing as below:
CHIX:AVl'
s EV-to-EBIT Range Over the Past 10 Years
Min: -4.27 Med: 2.19 Max: 13.94
Current: 5.55
During the past 13 years, the highest EV-to-EBIT of Aviva was 13.94. The lowest was -4.27. And the median was 2.19.
CHIX:AVl's EV-to-EBIT is ranked better than 74.64% of 347
companies
in the Insurance industry
Industry Median: 8.75
vs CHIX:AVl: 5.55
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Aviva's Enterprise Value for the quarter that ended in Dec. 2025 was £10,276 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aviva's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was £1,818 Mil.
* 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 EV-to-EBIT Related Terms
Aviva EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Aviva's EV-to-EBIT 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.
CHIX:AVL vs BRK.A, AIG, HIG: EV-to-EBIT Comparison
For the Insurance - Diversified subindustry, Aviva's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Aviva's EV-to-EBIT falls into.
Aviva's current Enterprise Value is £10,088 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aviva's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was £1,818 Mil.
* 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 (CHIX:AVL) has a EV-to-EBIT of 5.55 as of Jul. 27, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Aviva and its competitors. This is 153% above median its historical median of 2.19. According to the industry distribution chart, Aviva ranks #88 out of 347 companies in the Insurance industry, placing it in the top 25.4%.
Is Aviva's EV-to-EBIT too high?
Aviva's current EV-to-EBIT of 5.55 is 153% above median its 10-year median of 2.19. The Insurance industry median EV-to-EBIT is 8.75. Aviva's value of 5.55 is 36.6% below this industry median. Based on the distribution chart, Aviva ranks #88 out of 347 companies in the Insurance industry, which is above the industry midpoint. Overall, Aviva has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's EV-to-EBIT compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #88 out of 347 companies for EV-to-EBIT. This puts Aviva in the upper half of its industry. The industry median EV-to-EBIT is 8.75. Aviva's value of 5.55 is 36.6% below this benchmark. While the company's 10-year median is 2.19 vs. the industry median of 8.75, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.75, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current EV-to-EBIT of 5.55 is 36.6% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Aviva and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current EV-to-EBIT is 5.55, which is 153% above median its own 10-year median of 2.19. 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 £6.91 — trading 13.2% below its estimated fair value. The current EV-to-EBIT is 5.55, which is 153% above median its 10-year median of 2.19 and 36.6% below the Insurance industry median of 8.75. Aviva's overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Aviva (CHIX:AVL), the current EV-to-EBIT is 5.55 as of Jul. 27, 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 £6.91 is trading 13.2% below its estimated GF Value™ of £7.96.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for CHIX:AVL:
EV-to-EBIT: 5.55 (153% above median its 10-year median of 2.19)
GF Value™: £7.96 vs. price of £6.91 (13.2% below fair value)
Industry Position: 36.6% below the Insurance median (#88 of 347)
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.
64GF Score
Get the complete analysis for CHIX:AVL
EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:AVL has been successfully added to your 
