AvivaSTU:GU81 +0.67%62 OCF Margin % is 1.49% as of Dec. 2025, which is 30% below its 10-year median of 2.14. GuruFocus rates STU:GU81 with a GF Score™ of 62/100 and a GF Value™ of €10.03 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, Aviva ranks worse than 86.25% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Aviva's Cash Flow from Operations for the
six
months ended in Dec. 2025 was €643 Mil. Aviva's Revenue for the
six
months ended in Dec. 2025 was €43,237 Mil. Therefore, Aviva's OCF Margin % for the quarter that ended in Dec. 2025 was 1.49%.
The historical rank and industry rank for Aviva's OCF Margin % or its related term are showing as below:
STU:GU81'
s OCF Margin % Range Over the Past 10 Years
Min: -81.29 Med: 2.14 Max: 29.73
Current: -4.57
During the past 13 years, the highest OCF Margin % of Aviva was 29.73%. The lowest was -81.29%. And the median was 2.14%.
STU:GU81's OCF Margin % is ranked worse than 86.25% of 502
companies
in the Insurance industry
Industry Median: 10.855
vs STU:GU81: -4.57
Aviva OCF Margin % Related Terms
Aviva OCF Margin % Historical Data
* Premium members only.
The historical data trend for Aviva's OCF Margin % 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.
STU:GU81 vs BRK.A, AIG, HIG: OCF Margin % Comparison
For the Insurance - Diversified subindustry, Aviva's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Aviva's OCF Margin % falls into.
* 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 (STU:GU81) has a OCF Margin % of 1.49% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Aviva and its competitors. This is 30% below median its historical median of 2.14. According to the industry distribution chart, Aviva ranks #433 out of 502 companies in the Insurance industry, placing it in the top 86.3%.
Is Aviva's OCF Margin % too high?
Aviva's current OCF Margin % of 1.49% is 30% below median its 10-year median of 2.14. The Insurance industry median OCF Margin % is 10.86. Aviva's value of 1.49% is 86.3% below this industry median. Based on the distribution chart, Aviva ranks #433 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Aviva has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's OCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #433 out of 502 companies for OCF Margin %. This places Aviva in the lower half of its industry. The industry median OCF Margin % is 10.86. Aviva's value of 1.49% is 86.3% below this benchmark. While the company's 10-year median is 2.14 vs. the industry median of 10.86, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current OCF Margin % of 1.49% is 86.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Aviva and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current OCF Margin % is 1.49%, which is 30% below median its own 10-year median of 2.14. 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 (STU:GU81) is currently considered Modestly Undervalued. The stock's GF Value™ is €10.03, compared to a current price of €7.52 — trading 25% below its estimated fair value. The current OCF Margin % is 1.49%, which is 30% below median its 10-year median of 2.14 and 86.3% below the Insurance industry median of 10.86. Aviva's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Aviva (STU:GU81), the current OCF Margin % is 1.49% as of Dec. 2025. 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 (STU:GU81) Overvalued in 2026?
Based on GuruFocus' analysis, Aviva stock appears to be undervalued.
The current stock price of €7.52 is trading 25% below its estimated GF Value™ of €10.03.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for STU:GU81:
OCF Margin %: 1.49% (30% below median its 10-year median of 2.14)
GF Value™: €10.03 vs. price of €7.52 (25% below fair value)
Industry Position: 86.3% below the Insurance median (#433 of 502)
No single metric tells the full story. See the STU:GU81 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.
62GF Score
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