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Aviva (AV) investor relations material
Aviva Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary13 Nov, 2025
Executive summary
Achieved 2026 Group financial targets a year early, driven by strong organic growth and rapid Direct Line integration, before any Direct Line contribution.
Raised group ambitions with new three-year targets: 11% operating EPS CAGR, over 20% IFRS ROE by 2028, and more than £7bn in cash remittances for 2026-2028.
Direct Line cost synergy target increased to £225m and capital synergies to over £0.5bn, with £40m run-rate cost synergies expected by year-end.
Over £10bn returned to shareholders since 2020, with share price more than doubled.
Continued focus on capital-light growth, with over 75% of operating profit expected from capital-light businesses by 2028.
Financial highlights
Q3 General Insurance premiums up 12% to £10bn; UK & Ireland up 17%, Canada up 3%.
Group undiscounted combined operating ratio improved to 94.4%; UK & Ireland at 93.8%, Canada at 95.4%.
Full-year 2025 operating profit expected at ~£2.2bn, including ~£0.15bn from Direct Line.
IFRS ROE expected around 17% for 2025, targeting over 20% by 2028.
Solvency II cover ratio at 177% post-Direct Line acquisition.
Outlook and guidance
New operating EPS target of 11% CAGR through 2028, with baseline set at 55p for 2025.
IFRS ROE target set at >20% by 2028.
Cash remittances target raised to over £7bn for 2026-2028.
Share buybacks to resume in March 2026, increased to reflect higher share count.
Dividend growth to continue at mid-single digits, with interim dividend for 2025 increased by 10%.
Direct Line capital synergies: Solvency II impact?
Why higher share buybacks next year?
What drives 75% capital-light business by 2028?
Detail Direct Line's motor COR improvement drivers
Breakdown 7% underlying EPS growth by business line
Quantify Solus network's impact on DLG claims
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Q4 20255 Mar, 2026
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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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