Share research

Aviva: strong H1, Direct Line integration on track

Aviva delivered strong growth over the first half as the insurance group continues to shift earnings toward capital-light business.
Aviva logo

No recommendation - No news or research item is a personal recommendation to deal. All investments can fall as well as rise in value so you could get back less than you invest.

Prices delayed by at least 15 minutes

Aviva’s first-half underlying operating profit rose 22% to £1.1bn, with growth largely driven by General Insurance (specifically UK & Ireland).

General Insurance premiums rose 7%, net flows into the Wealth business were up 16%, Health insurance saw 14% growth in premiums, and Retirement sales dropped 3%.

The Solvency II ratio, which measures capital strength against requirements, was strong at 206%.

The board announced an interim dividend of 13.1p, up 10%.

The group is still targeting operating profit of £2bn by 2026, with the dividend policy set for mid-single -digit growth. The acquisition of Direct Line completed at the beginning of July.

The shares rose 4.1% in early trading.

Our view

HL view to follow.

Aviva key facts

All ratios are sourced from LSEG Datastream, based on previous day’s closing values. Please remember yields are variable and not a reliable indicator of future income. Keep in mind key figures shouldn’t be looked at on their own – it’s important to understand the big picture.

This article is original Hargreaves Lansdown content, published by Hargreaves Lansdown. It was correct as at the date of publication, and our views may have changed since then. Unless otherwise stated estimates, including prospective yields, are a consensus of analyst forecasts provided by Refinitiv. These estimates are not a reliable indicator of future performance. Yields are variable and not guaranteed. Investments rise and fall in value so investors could make a loss.

This article is not advice or a recommendation to buy, sell or hold any investment.No view is given on the present or future value or price of any investment, and investors should form their own view on any proposed investment.This article has not been prepared in accordance with legal requirements designed to promote the independence of investment research and is considered a marketing communication.Non - independent research is not subject to FCA rules prohibiting dealing ahead of research, however HL has put controls in place(including dealing restrictions, physical and information barriers) to manage potential conflicts of interest presented by such dealing.Please see our full non - independent research disclosure for more information.
Latest from Share research
Weekly Newsletter
Sign up for Share Insight. Get our Share research team’s key takeaways from the week’s news and articles direct to your inbox every Friday.
Written by
Matt-Britzman
Matt Britzman
Senior Equity Analyst

Matt is a Senior Equity Analyst on the share research team, providing up-to-date research and analysis on individual companies and wider sectors. He is a CFA Charterholder and also holds the Investment Management Certificate.

Our content review process
The aim of Hargreaves Lansdown's financial content review process is to ensure accuracy, clarity, and comprehensiveness of all published materials
Article history
Published: 14th August 2025