AvivaAVVIY +0.29%56 EV-to-FCF is -3.20 as of Jul. 01, 2026. GuruFocus rates AVVIY with a GF Score™ of 56/100 and a GF Value™ of $22.88 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 396 Insurance companies, Aviva ranks worse than 252525% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Aviva's Enterprise Value is $11,977 Mil.
Aviva's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-3,745 Mil. Therefore, Aviva's EV-to-FCF for today is -3.20.
The historical rank and industry rank for Aviva's EV-to-FCF or its related term are showing as below:
AVVIY'
s EV-to-FCF Range Over the Past 10 Years
Min: -4.68 Med: -0.94 Max: 2.75
Current: -3.2
During the past 13 years, the highest EV-to-FCF of Aviva was 2.75. The lowest was -4.68. And the median was -0.94.
AVVIY's EV-to-FCF is ranked worse than 100% of 396
companies
in the Insurance industry
Industry Median: 9.285
vs AVVIY: -3.20
EV-to-FCF 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 (2026-07-01), Aviva's stock price is $17.37.
Aviva's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.717. Therefore, Aviva's PE Ratio (TTM) for today is 24.23.
Aviva (OTCPK:AVVIY) EV-to-FCF Explanation
EV-to-FCF 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 $17.37.
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 $0.717.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Aviva EV-to-FCF Related Terms
Aviva EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Aviva's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Aviva's EV-to-FCF falls into.
Aviva's current Enterprise Value is $11,977 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aviva's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-3,745 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 (AVVIY) has a EV-to-FCF of -3.20 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aviva and its competitors. According to the industry distribution chart, Aviva ranks #999999 out of 396 companies in the Insurance industry.
Is Aviva's EV-to-FCF too high?
Aviva's current EV-to-FCF is -3.20. Based on the distribution chart, Aviva ranks #999999 out of 396 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Aviva has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #999999 out of 396 companies for EV-to-FCF. This places Aviva in the lower half of its industry. The industry median EV-to-FCF is 9.29. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.29, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aviva and its competitors. For the Insurance industry, the median EV-to-FCF is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current EV-to-FCF is -3.20. 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 (AVVIY) is currently considered Modestly Undervalued. The stock's GF Value™ is $22.88, compared to a current price of $17.37 — trading 24.1% below its estimated fair value. The current EV-to-FCF is -3.20. Aviva's overall GF Score™ is 56/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Aviva (AVVIY), the current EV-to-FCF is -3.20 as of Jul. 01, 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 (AVVIY) Overvalued in 2026?
Based on GuruFocus' analysis, Aviva stock appears to be undervalued.
The current stock price of $17.37 is trading 24.1% below its estimated GF Value™ of $22.88.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for AVVIY:
EV-to-FCF: -3.20
GF Value™: $22.88 vs. price of $17.37 (24.1% below fair value)
No single metric tells the full story. See the AVVIY 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.
56GF Score
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