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Aviva (AV) investor relations material

Aviva H1 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2025 earnings summary14 Aug, 2025

Executive summary

  • Operating profit rose 22% year-over-year to £1,068m, with strong growth across General Insurance, Wealth, and Health, and 66% of profit from capital-light businesses.

  • Interim dividend per share increased 10% to 13.1p, reflecting strong results and the Direct Line acquisition.

  • Direct Line acquisition completed in July 2025, creating a UK market leader with over 21 million customers; integration progressing well with expected cost and capital synergies.

  • Strategic focus on growth, customer-centricity, efficiency, and sustainability, leveraging technology and AI.

  • Customer base surpassed 25 million globally, with record multi-policy holdings and improved Net Promoter Score above 50.

Financial highlights

  • Operating profit rose 22% year-over-year to £1,068m; operating capital generation up 33% to £957m.

  • Own funds generation increased 20% to £909m; cash remittances up 7% to £1,022m; centre liquidity at £2.1bn.

  • Solvency II cover ratio at 206%, up from 203% at FY24; SII debt leverage at 32.3%.

  • Operating earnings per share grew 25% to 29.0p.

  • General Insurance premiums up 7% to £6,290m; Wealth net flows up 16% to £5.8bn; AUM up 6% to £209bn.

Outlook and guidance

  • Confident in delivering 2026 targets: £2bn operating profit, £1.8bn Solvency II OFG, and >£5.8bn cash remittances (2024–2026).

  • Direct Line integration to accelerate capital-light profit mix beyond 70%; update on group targets in November.

  • Expect further growth in Health and Wealth, with continued pricing discipline in General Insurance.

  • Dividend increased by 10%, with buybacks expected to resume in 2026.

  • Management actions expected to remain around £200m per year, though timing may vary.

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Frequently asked questions

Leading British Insurance

Aviva plc is a British multinational insurance company headquartered in London. Established in 2000 through the merger of Norwich Union and CGU plc, it stands as one of the largest general insurers in the UK. Aviva provides insurance for private individuals as well as corporations and has in recent years started to expand outside of the UK.

The Roots of Aviva

Tracing its origins back to the establishment of the Hand in Hand Fire & Life Insurance Society in London in 1696, Aviva has a rich and storied history. Over the centuries, it has evolved and grown through a series of mergers and acquisitions. The largest and most notable of these was the merger of Norwich Union and CGU plc in 2000 to form Aviva. After taking its modern form, Aviva has continued to grow through a combination of acquisitions as well as organic growth. Today, the company is primarily focused on the UK but has ventured outside of the British Isles through a series of acquisitions of various insurance companies in France as well as the US.

Broad Spectrum of insurance products

Aviva offers a wide array of services and products that cater to private individuals. These include car, home, health, and life insurance, as well as pension and investment products. Even if the company offers some financial services, the main focus is without a doubt on providing attractive insurance options for their customers. The company is one of the largest insurance providers for private individuals in the UK and competes with names such as Legal & General and Sabre Insurance.

Also Catering to Businesses

In addition to its extensive offerings for individual customers, Aviva also provides a range of products for businesses, such as liability insurance, commercial vehicle insurance, and insurance for shops and offices. By catering to both businesses and private individuals, Aviva is able to have a broad range of customers under their umbrella, and the business is incredibly diverse in its insurance offerings. Regardless of what it is, chances are that Aviva is able to provide some sort of insurance solution that fits the customer's needs.

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