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.
AvivaAIVAF 57 5-Year Yield-on-Cost % is 17.02 as of Jul. 16, 2026, which is 12% above its 10-year median of 15.14. GuruFocus rates AIVAF with a GF Score™ of 57/100 and a GF Value™ of $10.24 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 418 Insurance companies, Aviva ranks better than 94.98% on this metric.
Aviva's yield on cost for the quarter that ended in Dec. 2025 was 17.02.
The historical rank and industry rank for Aviva's 5-Year Yield-on-Cost % or its related term are showing as below:
AIVAF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 8.25 Med: 15.14 Max: 35.82
Current: 17.02
During the past 13 years, Aviva's highest Yield on Cost was 35.82. The lowest was 8.25. And the median was 15.14.
AIVAF's 5-Year Yield-on-Cost % is ranked better than 94.98% of 418
companies
in the Insurance industry
Industry Median: 4
vs AIVAF: 17.02
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Aviva 5-Year Yield-on-Cost % Related Terms
AIVAF vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Aviva's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aviva's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Aviva's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Aviva is calculated as
Aviva (AIVAF) has a 5-Year Yield-on-Cost % of 17.02 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Aviva and its competitors. This is 12% above median its historical median of 15.14. Over the past decade, Aviva's 5-Year Yield-on-Cost % has ranged from 8.25 to 35.82. According to the industry distribution chart, Aviva ranks #21 out of 418 companies in the Insurance industry, placing it in the top 5%.
Is Aviva's 5-Year Yield-on-Cost % too high?
Aviva's current 5-Year Yield-on-Cost % of 17.02 is 12% above median its 10-year median of 15.14. Over the past 10 years, this metric has ranged from a low of 8.25 to a high of 35.82. The Insurance industry median 5-Year Yield-on-Cost % is 4.00. Aviva's value of 17.02 is 325.5% above this industry median. Based on the distribution chart, Aviva ranks #21 out of 418 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Aviva has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Aviva's 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Aviva ranks #21 out of 418 companies for 5-Year Yield-on-Cost %. This places Aviva in the top 5% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.00. Aviva's value of 17.02 is 325.5% above this benchmark. Historically, Aviva's own 5-Year Yield-on-Cost % has ranged from 8.25 to 35.82 over the past decade. While the company's 10-year median is 15.14 vs. the industry median of 4.00, Aviva has consistently been above 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 4.00, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aviva's current 5-Year Yield-on-Cost % of 17.02 is 325.5% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Aviva and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviva's current 5-Year Yield-on-Cost % is 17.02, which is 12% above median its own 10-year median of 15.14. 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 (AIVAF) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.24, compared to a current price of $8.45 — trading 17.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 17.02, which is 12% above median its 10-year median of 15.14 and 325.5% above the Insurance industry median of 4.00. Aviva's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Aviva (AIVAF), the current 5-Year Yield-on-Cost % is 17.02 as of Jul. 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 $8.45 is trading 17.5% below its estimated GF Value™ of $10.24.
GuruFocus considers Aviva to be Modestly Undervalued.
Key valuation signals for AIVAF:
5-Year Yield-on-Cost %: 17.02 (12% above median its 10-year median of 15.14)
GF Value™: $10.24 vs. price of $8.45 (17.5% below fair value)
Industry Position: 325.5% above the Insurance median (#21 of 418)
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.
57GF Score
Get the complete analysis for AIVAF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AIVAF has been successfully added to your 
