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Market Price

2.74 

0.10 3.9%

as of Aug 03 '20

52 Week Range:

0.03 4.39


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Aviva plc provides various insurance and savings products primarily in the United Kingdom, rest of Europe, North America, and South-East Asia. The company offers life insurance, long term health and accident insurance, savings, pension, and annuity products, as well as pension fund business and lifetime mortgage products. It also provides insurance cover to individuals, small and medium-sized businesses for risks associated primarily with motor vehicles and medical expenses, as well as property and liability, such as employers' and professional indemnity liabilities. In addition, the company offers personal and commercial lines insurance products; long-term insurance and savings products, primarily for individuals. Further, it provides investment management services for institutional pension fund mandates; and manages various retail investment products, including investment funds, unit trusts, open-ended investment companies, and individual savings accounts for third-party financial institutions, pension funds, public sector organizations, investment professionals, and private investors. Additionally, the company offers asset management, retirement, and protection insurance products. The company markets its products through a network of insurance brokers, as well as MyAviva platform. The company was formerly known as CGNU plc and changed its name to Aviva plc in July 2002. Aviva plc was founded in 1696 and is headquartered in London, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Earnings BIT 3,447.00
2,093.00
771.00
2,119.00
2,566.00
1,348.00
4,636.00
growth rate -39.3% -63.2% 174.8% 21.1% -47.5% 243.9%
Avg.PE 13.06
13.22
0.35
14.15
11.48
5.44
growth rate 1.2% -97.4% 3,942.9% -18.9% -52.6%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 7,853.00
7,451.00
26,896.00
3,843.00
4,321.00
7,913.00
8,379.00
8,715.00
9,127.00
growth rate -5.1% 261.0% -85.7% 12.4% 83.1% 5.9% 4.0% 4.7%
Acct.Payable 10,745.00
203,084.00
1,793.00
11,701.00
11,709.00
growth rate 334.8% -99.1% 552.6% 0.1%
Cur.Assets 43,292.00
84,022.00
46,406.00
43,506.00
68,006.00
94,993.00
84,449.00
53,757.00
60,760.00
growth rate 94.1% -44.8% -6.3% 56.3% 39.7% -11.1% -36.3% 13.0%
Total Assets 312,376.00
314,467.00
466,447.00
285,719.00
387,831.00
440,419.00
442,685.00
429,521.00
460,043.00
growth rate 0.7% 48.3% -38.8% 35.7% 13.6% 0.5% -3.0% 7.1%
Cash 23,043.00
23,102.00
43,280.00
23,105.00
33,676.00
38,708.00
43,347.00
15,926.00
19,524.00
growth rate 0.3% 87.3% -46.6% 45.8% 14.9% 12.0% -63.3% 22.6%
Cur.Liabilities 28,777.00
61,545.00
25,983.00
17,233.00
33,713.00
45,670.00
29,158.00
25,364.00
26,632.00
growth rate 113.9% -57.8% -33.7% 95.6% 35.5% -36.2% -13.0% 5.0%
Liabilities 297,013.00
303,107.00
450,636.00
273,443.00
369,561.00
420,868.00
423,550.00
411,066.00
441,358.00
growth rate 2.1% 48.7% -39.3% 35.2% 13.9% 0.6% -3.0% 7.4%
LT Debt 7,944.00
8,179.00
12,950.00
6,862.00
8,285.00
9,653.00
9,618.00
9,169.00
8,801.00
growth rate 3.0% 58.3% -47.0% 20.7% 16.5% -0.4% -4.7% -4.0%
Equity 13,522.00
10,910.00
16,925.00
17,926.00
17,700.00
17,289.00
17,508.00
growth rate -19.3% 55.1% 5.9% -1.3% -2.3% 1.3%
Common Shares 1,219.00
737.00
1,012.00
1,015.00
1,003.00
975.00
980.00
growth rate -39.5% 37.3% 0.3% -1.2% -2.8% 0.5%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 86.00
50.00
116.00
58.00
67.00
69.00
87.00
84.00
growth rate -23.8% 132.0% -50.0% 15.5% 3.0% 26.1% -3.5%
Cash Dividends 961.00
552.00
724.00
973.00
1,081.00
1,189.00
1,244.00
growth rate -42.6% 31.2% 34.4% 11.1% 10.0% 4.6%
Cash From OA 2,499.00
6,655.00
-544.00
4,755.00
4,747.00
7,741.00
5,401.00
5,968.00
growth rate 166.3% -100.0% 100.0% -0.2% 63.1% -30.2% 10.5%
Sale Purchase of Stock -51.00
8.00
16.00
15.00
12.00
growth rate 100.0% 100.0% -6.3% -20.0%
FCF 6,605.00
-660.00
4,697.00
4,680.00
7,672.00
5,314.00
5,884.00
growth rate -100.0% 100.0% -0.4% 63.9% -30.7% 10.7%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 32,206.00
43,146.00
57,192.00
35,784.00
20,985.00
40,151.00
35,141.00
22,271.00
46,397.00
growth rate 34.0% 32.6% -37.4% -41.4% 91.3% -12.5% -36.6% 108.3%
Op.Income 489.00
-86.00
3,256.00
2,093.00
771.00
2,119.00
2,566.00
1,348.00
4,636.00
growth rate -100.0% 100.0% -35.7% -63.2% 174.8% 21.1% -47.5% 243.9%
IBT 2,438.00
2,663.00
1,195.00
1,833.00
2,374.00
1,652.00
3,933.00
growth rate 9.2% -55.1% 53.4% 29.5% -30.4% 138.1%
Net Income 489.00
-86.00
3,563.00
1,569.00
936.00
703.00
1,497.00
1,568.00
2,548.00
growth rate -100.0% 100.0% -56.0% -40.3% -24.9% 112.9% 4.7% 62.5%
Gross Profit 1,216.00
396.00
2,339.00
7,767.00
2,773.00
6,136.00
6,575.00
1,768.00
13,929.00
growth rate -67.4% 490.7% 232.1% -64.3% 121.3% 7.2% -73.1% 687.8%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT 358.50
1,136.00
1,136.00
1,182.00
1,182.00
growth rate 216.9% 0.0% 4.1% 0.0%
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable 8,955.00
9,848.00
9,848.00
9,127.00
9,127.00
growth rate 10.0% 0.0% -7.3% 0.0%
Acct.Payable
growth rate
Cur.Assets 83,990.00
49,132.00
49,132.00
60,760.00
60,760.00
growth rate -41.5% 0.0% 23.7% 0.0%
Total Assets 430,478.00
458,225.00
458,225.00
460,043.00
460,043.00
growth rate 6.5% 0.0% 0.4% 0.0%
Cash 46,484.00
15,296.00
15,296.00
19,524.00
19,524.00
growth rate -67.1% 0.0% 27.6% 0.0%
Cur.Liabilities 27,151.00
25,731.00
25,731.00
26,632.00
26,632.00
growth rate -5.2% 0.0% 3.5% 0.0%
Liabilities 412,023.00
439,375.00
439,375.00
441,358.00
441,358.00
growth rate 6.6% 0.0% 0.5% 0.0%
LT Debt 9,169.00
8,983.00
8,983.00
8,801.00
8,801.00
growth rate -2.0% 0.0% -2.0% 0.0%
Equity 17,289.00
17,671.00
17,671.00
17,508.00
17,508.00
growth rate 2.2% 0.0% -0.9% 0.0%
Common Shares 975.00
979.00
979.00
980.00
980.00
growth rate 0.4% 0.0% 0.1% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 33.00
26.00
26.00
16.00
16.00
growth rate -21.2% 0.0% -38.5% 0.0%
Cash Dividends 204.50
413.00
413.00
209.00
209.00
growth rate 102.0% 0.0% -49.4% 0.0%
Cash From OA 1,839.00
325.50
325.50
2,658.50
2,658.50
growth rate -82.3% 0.0% 716.7% 0.0%
Sale Purchase of Stock
growth rate
FCF 1,806.00
299.50
299.50
2,642.50
2,642.50
growth rate -83.4% 0.0% 782.3% 0.0%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 4,853.00
13,297.00
13,297.00
9,901.50
9,901.50
growth rate 174.0% 0.0% -25.5% 0.0%
Op.Income 358.50
1,136.00
1,136.00
1,182.00
1,182.00
growth rate 216.9% 0.0% 4.1% 0.0%
IBT 610.00
1,024.00
1,024.00
942.50
942.50
growth rate 67.9% 0.0% -8.0% 0.0%
Net Income 619.00
558.00
558.00
716.00
716.00
growth rate -9.9% 0.0% 28.3% 0.0%
Gross Profit 497.00
3,337.00
3,337.00
3,627.50
3,627.50
growth rate 571.4% 0.0% 8.7% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (23.54)

YOY Growth Grade:

F (9.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 4.41 4.34 0.05
EPS / Growth 6.3% 0.63 6.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.5% 4.9% 4.9%
Future PE 0.05 4.77 4.77
Future EPS 0.81 1.02 1.02
Value Price
MOS %
0.01
-99.7%
1.20
-56.1%
1.20
-56.1%
MOS Price 0.00 0.60 0.60
IRT 4.07 3.86 3.86

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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