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AvivaCHIX:AVL +1.29%64 EV-to-EBITDA is 5.55 as of Jul. 27, 2026, which is 168% above its 10-year median of 2.07. 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 348 Insurance companies, Aviva ranks better than 70.69% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Aviva's enterprise value is £10,088 Mil.
Aviva's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was £1,818 Mil. Therefore, Aviva's EV-to-EBITDA for today is 5.55.
The historical rank and industry rank for Aviva's EV-to-EBITDA or its related term are showing as below:
CHIX:AVl'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -3.52 Med: 2.07 Max: 10.45
Current: 5.55
During the past 13 years, the highest EV-to-EBITDA of Aviva was 10.45. The lowest was -3.52. And the median was 2.07.
CHIX:AVl's EV-to-EBITDA is ranked better than 70.69% of 348
companies
in the Insurance industry
Industry Median: 8.26
vs CHIX:AVl: 5.55
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-07-27), Aviva's stock price is £6.91.
Aviva's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £0.265. Therefore, Aviva's PE Ratio (TTM) for today is 26.08.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Aviva (CHIX:AVl) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Aviva's share price for today is £6.91.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aviva's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £0.265.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Aviva's EV-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.
CHIX:AVL vs BRK.A, AIG, HIG: EV-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Aviva's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Aviva's EV-to-EBITDA 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 EBITDA 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-EBITDA of 5.55 as of Jul. 27, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Aviva. This is 168% above median its historical median of 2.07. According to the industry distribution chart, Aviva ranks #102 out of 348 companies in the Insurance industry, placing it in the top 29.3%.
Is Aviva's EV-to-EBITDA too high?
Aviva's current EV-to-EBITDA of 5.55 is 168% above median its 10-year median of 2.07. The Insurance industry median EV-to-EBITDA is 8.26. Aviva's value of 5.55 is 32.8% below this industry median. Based on the distribution chart, Aviva ranks #102 out of 348 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-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #102 out of 348 companies for EV-to-EBITDA. This puts Aviva in the upper half of its industry. The industry median EV-to-EBITDA is 8.26. Aviva's value of 5.55 is 32.8% below this benchmark. While the company's 10-year median is 2.07 vs. the industry median of 8.26, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.26, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current EV-to-EBITDA of 5.55 is 32.8% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Aviva. For the Insurance industry, the median EV-to-EBITDA is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current EV-to-EBITDA is 5.55, which is 168% above median its own 10-year median of 2.07. 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-EBITDA is 5.55, which is 168% above median its 10-year median of 2.07 and 32.8% below the Insurance industry median of 8.26. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Aviva (CHIX:AVL), the current EV-to-EBITDA 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-EBITDA: 5.55 (168% above median its 10-year median of 2.07)
GF Value™: £7.96 vs. price of £6.91 (13.2% below fair value)
Industry Position: 32.8% below the Insurance median (#102 of 348)
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
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