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AvivaAIVAF +3.67%36 EV-to-OCF is 1.40 as of Aug. 16, 2026. GuruFocus rates AIVAF with a GF Score™ of 36/100 and a GF Value™ of $10.47 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 507 Insurance companies, Aviva ranks better than 72.78% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Aviva's Enterprise Value is $9,435 Mil.
Aviva's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $6,732 Mil. Therefore, Aviva's EV-to-OCF for today is 1.40.
The historical rank and industry rank for Aviva's EV-to-OCF or its related term are showing as below:
AIVAF'
s EV-to-OCF Range Over the Past 10 Years
Min: -4.86 Med: -0.89 Max: 2.69
Current: 1.39
During the past 13 years, the highest EV-to-OCF of Aviva was 2.69. The lowest was -4.86. And the median was -0.89.
AIVAF's EV-to-OCF is ranked better than 72.78% of 507
companies
in the Insurance industry
Industry Median: 6.66
vs AIVAF: 1.39
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
As of today (2026-08-16), Aviva's stock price is $8.76.
Aviva's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $0.228. Therefore, Aviva's PE Ratio (TTM) for today is 38.42.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $8.76.
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 Jun. 2026 was $0.228.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Aviva EV-to-OCF Related Terms
Aviva EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Aviva's EV-to-OCF 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.
For the Insurance - Diversified subindustry, Aviva's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Aviva's EV-to-OCF falls into.
Aviva's current Enterprise Value is $9,435 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aviva's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $6,732 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 (AIVAF) has a EV-to-OCF of 1.40 as of Aug. 16, 2026. According to the industry distribution chart, Aviva ranks #138 out of 507 companies in the Insurance industry, placing it in the top 27.2%.
Is Aviva's EV-to-OCF too high?
Aviva's current EV-to-OCF is 1.40. The Insurance industry median EV-to-OCF is 6.66. Aviva's value of 1.40 is 79% below this industry median. Based on the distribution chart, Aviva ranks #138 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Aviva has a GF Score™ of 36/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's EV-to-OCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #138 out of 507 companies for EV-to-OCF. This puts Aviva in the upper half of its industry. The industry median EV-to-OCF is 6.66. Aviva's value of 1.40 is 79% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.66, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current EV-to-OCF of 1.40 is 79% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current EV-to-OCF is 1.40. 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 EV-to-OCF is 1.40 and 79% below the Insurance industry median of 6.66. Aviva's overall GF Score™ is 36/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Aviva (AIVAF), the current EV-to-OCF is 1.40 as of Aug. 16, 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 (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:
EV-to-OCF: 1.40
GF Value™: $10.47 vs. price of $8.76 (16.3% below fair value)
Industry Position: 79% below the Insurance median (#138 of 507)
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.
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