Sector pending / Life InsuranceUpdated 2026-05-10 22:07 UTC

FRA/GU81 stock hub

FRA/GU81 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

21.6B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/GU81

In the news

Latest news · FRA/GU81

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.3

P25 n/aP50 n/aP75 n/a

Trailing P/E24.5

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROIC7.8

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/GU81 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

203

Groups with data

Currency

GBP

Showing 203 of 203 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United Kingdom
Country code	DE
Employees	39,359
Employees Change	2,709%
Employees Change Percent	10.27
Enterprise value	EUR 15.4B
Exchange	Frankfurt Stock Exchange
Financial currency	GBP
First seen	2026-05-10
Industry	Life Insurance
Last refreshed	2026-05-10
Market cap	EUR 21.6B
Price	EUR 7.25
Price currency	EUR
Rev Per Employee	835,194.25x
Sic	6311
Symbol	fra/GU81
Website	https://www.aviva.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.08%
EV Earnings	17.47x
EV/EBIT	3.97x
EV/EBITDA	3.75x
EV/FCF	-5.04x
EV/Sales	0.46x
FCF yield	-14.12%
Forward P/E	10.3x
P/B ratio	1.7x
P/E ratio	24.53x
P/S ratio	0.66x
PE Ratio10 Y	16.82x
PE Ratio3 Y	23.78x
PE Ratio5 Y	21.46x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	11.21%
EBITDA Margin	11.76%
Gross margin	19.18%
Gross Profit	EUR 6.3B
Net Income	EUR 879.2M
Net Income Growth	35.29%
Net Income Growth Q	465%
Net Income Growth3 Y	-15.54%
Pretax Margin	6.43%
Profit Margin	3.22%
Profit Per Employee	EUR 22,338
ROA	0.54
Roa5y	0.22
ROCE	0.88
ROE	10.7
Roe5y	4.87
ROIC	7.82
Roic5y	2.9

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	9.48%
Cagr15y	8.58%
Cagr1y	13.42%
Cagr20y	3.4%
Cagr3y	24.25%
Cagr5y	16.66%
Div CAGR10	2.67%
Div CAGR3	8.38%
Div CAGR5	2.47%
EPS Growth	13.73
EPS Growth Q	979.5
EPS Growth3 Y	-17.02
FCF Growth Q	-93.55%
OCF Growth Q	-92.73%
Revenue Growth	26.11x
Revenue Growth Q	37.13x
Revenue Growth3 Y	8.18x
Revenue Growth5 Y	9.69x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.08
Assets	EUR 453.1B
Cash	EUR 20.9B
Debt	EUR 14.3B
Debt EBITDA	EUR 3.64
Debt Equity	EUR 1.12
Debt FCF	EUR -4.68
Equity	EUR 12.7B
Interest Coverage	9.11
Liabilities	EUR 440.4B
Net Cash	EUR 6.6B
Net Cash By Market Cap	EUR 30.65
Net Cash Growth	-42.8%
Net Debt EBITDA	EUR -1.71
Net Debt Equity	EUR -0.52
Tangible Book Value	EUR 5.2B
Tangible Book Value Per Share	EUR 1.71

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.54
Net Working Capital	EUR 4.3B
Quick ratio	0.81
Working Capital	EUR 17.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-6.52%
Dividend Growth	9.22%
Dividend Growth Years	2%
Dividend per share	EUR 0.45
Dividend Years	27
Dividend Yield	6.28%
Ex Div Date	2026-03-26
Last Dividend	EUR 0.3
Payout Frequency	Semi-Annual
Payout Ratio	118.72%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	147.29%
1Y total return	13.41%
200-day SMA	7.56
3Y total return	91.85%
50-day SMA	7.35
50-day SMA vs 200-day SMA	50under200
5Y total return	116.02%
All Time High	24.61
All Time High Change	-70.54%
All Time High Date	2000-11-27
All Time Low	2.41
All Time Low Change	201%
All Time Low Date	2009-03-09
ATR	0.12
Ch YTD	-7.67
High	7.25
High52	8.1
High52 Date	2025-08-14
High52ch	-10.52%
Low	7.25
Low52	6.8
Low52 Date	2025-05-15
Low52ch	6.59%
Ma50ch	-1.33%
Price vs 200-day SMA	-4.08%
RSI	47.98
RSI Monthly	57.07
RSI Weekly	47.16
Sharpe ratio	0.4x
Sortino ratio	0.8
Total Return	-0.24%
Tr YTD	-3.64
Tr15y	243.97%
Tr1m	2.49%
Tr1w	-0.44%
Tr3m	-0.47%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 3.7B
Operating margin	11.21

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	2,913,901,198%
Net Borrowing	-499,403,670.6
Shares Insiders	0.12%
Shares Institutions	86.47%
Shares Qo Q	14.85%
Shares Yo Y	6.52%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -3.1B
Average Volume	736.4x
Bv Per Share	4.02
CAPEX	EUR -106.6M
Ch10y	2.01
Ch15y	11.17
Ch1m	2.49
Ch1w	-0.44
Ch1y	6.59
Ch20y	-53.79
Ch3m	-4.63
Ch3y	56.21
Ch5y	16.9
Ch6m	-5.87
Change	0.36%
Change From Open	0
Close	7.22
Days Gap	0.36
Earnings Date	2026-08-14
EBIT	EUR 3.7B
EBITDA	EUR 3.9B
EPS	EUR 0.3
F Score	4
FCF	EUR -3B
FCF EV Yield	-19.83x
Financing CF	-2,335,010,633
Fiscal Year End	December
Founded	1,696
Goodwill	5,115,419,542.1
Graham Number	5.32939
Graham Upside	-26.47
Income Tax	EUR 904.4M
Investing CF	-1,309,073,217
Is Primary Listing	0
Last Earnings Date	2026-03-05
Last Report Date	2025-12-31
Last Split Date	2022-05-16
Last Split Type	Reverse
Lynch Fair Value	EUR 1.48
Lynch Upside	-79.62
Ma150	7.53
Ma150ch	-3.72%
Ma20	7.34
Ma20ch	-1.24%
Net CF	-6,341,324,901
Next Earnings Date	2026-08-14
Open	7.25
Payment Date	2026-05-14
Ppne	608,070,210
Price Date	2026-05-08
Price EBITDA	EUR 5.58
Ptbv Ratio	4.15
Relative Volume	0.27x
Revenue	32,872,410,372x
SBC By Revenue	0.26x
Share Based Comp	84,826,110
Tax By Revenue	2.75x
Tax Rate	42.81%
Tr20y	95.32%
Tr6m	-1.77%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/GU81 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+6.3%

$0.45 annual per share

Payout ratio

+118.7%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+2.5%

2 consecutive years of growth

Total shareholder yield

-0.2%

Next ex-dividend date: 2026-03-26

Performance

FRA/GU81 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/GU81?

Insider, institutional, and short-interest positioning.

Institutional ownership

+86.5%

Share of float held by funds and institutions

Insider ownership

+0.1%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+6.5%

Negative means the company is buying back shares.

Technical

FRA/GU81 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

48.0

Neutral momentum band

Price vs 200-day MA

-4.1%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.40

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/GU81

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/GU81 stock rating?

fra/GU81 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/GU81 analysis?

The full report lives at /stocks/fra/GU81/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/GU81?

The latest report frames fra/GU81 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/GU81 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.