<p><img src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2019/09/152627296-m.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2019/09/152627296-m.jpg"/></p>
<p>英杰华的股价正处于连续三周下跌的轨道，因为交易者关注其预计将在下周发布的财报。英杰华的股票已跌至 456 便士，接近自 8 月 5 日以来的最低点。今年以来，它的股价从最高点回落了 8.50%，这意味着它可能很快会进入调整期。</p>
<h2>英杰华股价受到压力</h2>
<p>英杰华并不是唯一一家在过去几个月股价回落的英国保险公司。专注于新兴市场的保诚公司股价从 2023 年的最高点下跌了近 50%。</p>
<p>同样，法律与一般公司的股票在从年初至今的高点下跌 13% 后也进入了调整期。直接保险公司仍处于深度熊市中。</p>
<p>这种表现的原因之一是金融行为监管局（FCA）加强了对行业的监管。今年 8 月，该机构表示正在对保险客户的纯保护保险市场进行调查。</p>
<p>该机构还对一些行业顶尖公司的汽车保险附加产品展开了调查。</p>
<p>尽管如此，英杰华在某些方面的表现仍然优于其他保险公司。首先，在阿曼达·布朗的领导下，公司经历了重大转型，她已成为该国顶尖女性高管之一。</p>
<p>其中一种做法是退出大多数国际市场，如法国、意大利、波兰、越南、香港、新加坡和西班牙。这些举措使公司变得更加精简，并在英国及少数国际市场（如加拿大）拥有明确的使命。</p>
<p>阿曼达·布朗还宣布了一些战略收购，以巩固其市场份额。例如，她在 2022 年以 3.85 亿英镑收购了 Succession Wealth。最近的一项重大收购是以 4.6 亿英镑收购 AIG 人寿业务。她还收购了 Probitas Holdings。</p>
<p>这些收购旨在巩固其在本土市场的表现并扩大市场份额。</p>
<p>阅读更多：英杰华股价展望：7.12% 的收益率是否值得关注？</p>
<h2>转型措施奏效</h2>
<p>这些转型措施正在奏效。最近的结果显示，英杰华的客户数量跃升至超过 1950 万，分析师认为这一数字很快将达到 2000 万。</p>
<p>结果还显示，英杰华的毛保费增长了 15%，财富流入增长了 16%，而其 IWR 销售增长了 12%。对于一家自 1696 年就开始营业的公司来说，这些都是强劲的数字。</p>
<p>阿曼达·布朗还在努力提前实现她的利润目标。预计到 2026 年，其营业利润将达到 20 亿英镑。预计到 2026 年，其现金汇款将达到 58 亿英镑。</p>
<p>因此，该公司继续向投资者返还资金。它在 6 月完成了 3 亿英镑的股票回购，并暗示未来将进行更多回购。</p>
<p>英杰华也是英国顶尖的分红支付公司之一。它在上半年提高了 7% 的分红，使收益率达到 7.47%。这意味着投资该公司的 1 万英镑每年将带来超过 700 英镑的分红。</p>
<p>还有迹象表明，英杰华是一家被低估的公司。它的市盈率为 10，市净率为 1.40。</p>
<p>阅读更多：FTSE 100 指数值得关注的股票：英杰华、沃达丰、ICG、Flutter</p>
<h2>英杰华股价分析</h2>
<p><img src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2024/11/Aviva-share-price.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2024/11/Aviva-share-price.png"/></p>
<p>AV 图表来自 TradingView</p>
<p>从长期来看，我们认为英杰华的股价在 9 月份达到了 497.9 便士的历史最高点，然后经历了深度回调。</p>
<p>当前水平位于橙色所示的上升通道的下侧，同时也处于 200 周指数移动平均线（EMA）附近。</p>
<p>该股票还形成了一个上升的扩张楔形模式，这是一个常见的看跌信号。因此，股价在财报发布后可能会大幅下跌，尤其是如果它跌破 200 EMA 和楔形的下侧。如果发生这种情况，股价可能会跌至 400 便士，约比当前水平低 12%。</p>
<p>从积极的一面来看，反弹可能会使其重新测试 500 便士的阻力位，约比当前水平高出 10%。</p>
<p>英杰华股价面临 12% 的崩盘风险，如果发生这种情况，最早出现在 Invezz 上。</p>

英杰华(ADR)

<p>Aviva 的股价面临 12% 的下跌风险，目前为 456 便士，因其在财报发布前经历了连续三周的下跌。该股票自年度高点回落了 8.50%，受到保险行业监管审查的压力。尽管面临挑战，Aviva 通过战略收购和不断增长的客户基础展现了韧性。分析师预测潜在的盈利波动，如果失去关键支撑位，股价可能跌至 400 便士，而反弹则可能上涨至 500 便士</p>

<p><img src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2019/09/152627296-m.jpg" alt="" original-src="https://ik.imagekit.io/invezz/uploads/2019/09/152627296-m.jpg"/></p>
<p>Aviva share price is on track to drop for three consecutive weeks as traders eye its earnings, which are expected to come out next week. AV stock has dropped to 456p, and is hovering near its lowest point since August 5. It has retreated by 8.50% from its highest level this year, meaning that it could move into a correction soon.</p>
<div class="lb-trans"><p>英杰华的股价正处于连续三周下跌的轨道，因为交易者关注其预计将在下周发布的财报。英杰华的股票已跌至 456 便士，接近自 8 月 5 日以来的最低点。今年以来，它的股价从最高点回落了 8.50%，这意味着它可能很快会进入调整期。</p>
</div><h2>Aviva share price is being pressured</h2>
<div class="lb-trans"><h2>英杰华股价受到压力</h2>
</div><p>AV is not the only UK insurance company whose stock has pulled back in the past few months. Prudential, a company that focuses on the emerging market, has tumbled by almost 50% from its highest level in 2023.</p>
<div class="lb-trans"><p>英杰华并不是唯一一家在过去几个月股价回落的英国保险公司。专注于新兴市场的保诚公司股价从 2023 年的最高点下跌了近 50%。</p>
</div><p>Similarly, Legal &amp; General shares have moved into a correction after falling by 13% from the year-to-date high. Direct Line Insurance remains in a deep bear market.</p>
<div class="lb-trans"><p>同样，法律与一般公司的股票在从年初至今的高点下跌 13% 后也进入了调整期。直接保险公司仍处于深度熊市中。</p>
</div><p>One of the reasons for this performance is the Financial Conduct Authority (FCA), which has intensified its regulations in the industry. In August, the agency said that it was launching an investigation into the pure protection insurance market for insurance customers.</p>
<div class="lb-trans"><p>这种表现的原因之一是金融行为监管局（FCA）加强了对行业的监管。今年 8 月，该机构表示正在对保险客户的纯保护保险市场进行调查。</p>
</div><p>The agency also launched an investigation into auto insurance add ons by some of the top companies in the industry.</p>
<div class="lb-trans"><p>该机构还对一些行业顶尖公司的汽车保险附加产品展开了调查。</p>
</div><p>Still, Aviva has done much better than other insurance companies for a few reasons. First, it has gone under a major transformation under Amanda Blanc, who has become one of the top female executives in the country.</p>
<div class="lb-trans"><p>尽管如此，英杰华在某些方面的表现仍然优于其他保险公司。首先，在阿曼达·布朗的领导下，公司经历了重大转型，她已成为该国顶尖女性高管之一。</p>
</div><p>One of the approaches has been to exit most of its international markets like France, Italy, Poland, Vietnam, Hong Kong, Singapore, and Spain. These actions have led to a leaner company with a clear mandate in the UK and a few international markets like Canada.</p>
<div class="lb-trans"><p>其中一种做法是退出大多数国际市场，如法国、意大利、波兰、越南、香港、新加坡和西班牙。这些举措使公司变得更加精简，并在英国及少数国际市场（如加拿大）拥有明确的使命。</p>
</div><p>Amanda Blanc has also announced some strategic acquisitions in a bid to solidify its market share. For example, it acquired Succession Wealth in 2022 in a £385 million. The most recent major acquisition was AIG Life business for £460 million. It also bought Probitas Holdings.</p>
<div class="lb-trans"><p>阿曼达·布朗还宣布了一些战略收购，以巩固其市场份额。例如，她在 2022 年以 3.85 亿英镑收购了 Succession Wealth。最近的一项重大收购是以 4.6 亿英镑收购 AIG 人寿业务。她还收购了 Probitas Holdings。</p>
</div><p>These acquisitions are meant to solidify its performance in the home market and grow its market share.</p>
<div class="lb-trans"><p>这些收购旨在巩固其在本土市场的表现并扩大市场份额。</p>
</div><p>Read more: Aviva share price outlook: is the 7.12% yield too good to ignore?</p>
<div class="lb-trans"><p>阅读更多：英杰华股价展望：7.12% 的收益率是否值得关注？</p>
</div><h2>Turnaround is working</h2>
<div class="lb-trans"><h2>转型措施奏效</h2>
</div><p>These turnaround measures are working. The most recent results showed that Aviva’s number of customers jumped to over 19.5 million and analysts believe that the number will get to 20 million soon.</p>
<div class="lb-trans"><p>这些转型措施正在奏效。最近的结果显示，英杰华的客户数量跃升至超过 1950 万，分析师认为这一数字很快将达到 2000 万。</p>
</div><p>The results also showed that Aviva’s gross premiums rose by 15%, while its wealth inflows rose by 16%, while its IWR sales jumped by 12%. These are strong numbers for a company that has been in business since 1696.</p>
<div class="lb-trans"><p>结果还显示，英杰华的毛保费增长了 15%，财富流入增长了 16%，而其 IWR 销售增长了 12%。对于一家自 1696 年就开始营业的公司来说，这些都是强劲的数字。</p>
</div><p>Amanda Blanc is also working to achieve her profit target ahead of schedule. Its operating profit is expected to get to £2 billion by 2026. Its cash remittances are expected to ge to £5.8 billion by 2026.</p>
<div class="lb-trans"><p>阿曼达·布朗还在努力提前实现她的利润目标。预计到 2026 年，其营业利润将达到 20 亿英镑。预计到 2026 年，其现金汇款将达到 58 亿英镑。</p>
</div><p>As a result, the company has continued to return funds to investors. It completed a £300 million share buyback in June and hinted to more repurchases in the future.</p>
<div class="lb-trans"><p>因此，该公司继续向投资者返还资金。它在 6 月完成了 3 亿英镑的股票回购，并暗示未来将进行更多回购。</p>
</div><p>Aviva is also one of the top dividend payers in the UK. It boosted its dividends by 7% in the first half, bringing the yield to 7.47%. This means that a £10,000 invested in the company will bring in over £700 in payouts each year.</p>
<div class="lb-trans"><p>英杰华也是英国顶尖的分红支付公司之一。它在上半年提高了 7% 的分红，使收益率达到 7.47%。这意味着投资该公司的 1 万英镑每年将带来超过 700 英镑的分红。</p>
</div><p>There are also signs that Aviva is an undervalued company. It has a price-to-earnings ratio of 10, and a price-to-book multiple of 1.40.</p>
<div class="lb-trans"><p>还有迹象表明，英杰华是一家被低估的公司。它的市盈率为 10，市净率为 1.40。</p>
</div><p>Read more: FTSE 100 index shares to watch: Aviva, Vodafone, ICG, Flutter</p>
<div class="lb-trans"><p>阅读更多：FTSE 100 指数值得关注的股票：英杰华、沃达丰、ICG、Flutter</p>
</div><h2>Aviva share price analysis</h2>
<div class="lb-trans"><h2>英杰华股价分析</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://ik.imagekit.io/invezz/uploads/2024/11/Aviva-share-price.png" alt="" original-src="https://ik.imagekit.io/invezz/uploads/2024/11/Aviva-share-price.png"/></p>
<p>AV chart by TradingView</p>
<div class="lb-trans"><p>AV 图表来自 TradingView</p>
</div><p>In the long-term, we believe that the Aviva stock price peaked at a record high of 497.9p in September, and then suffered a deep reversal.</p>
<div class="lb-trans"><p>从长期来看，我们认为英杰华的股价在 9 月份达到了 497.9 便士的历史最高点，然后经历了深度回调。</p>
</div><p>The current level is along the lower side of the ascending channel shown in orange. It is also along the 200-week Exponential Moving Average (EMA).</p>
<div class="lb-trans"><p>当前水平位于橙色所示的上升通道的下侧，同时也处于 200 周指数移动平均线（EMA）附近。</p>
</div><p>The stock has also formed a rising broadening wedge pattern, a popular bearish sign. Therefore, there is a risk that the stock will drop sharply after its earnings, especially if it losses the 200 EMA and the lower side of the wedge. If this happens, the stock may drop to 400p, which is about 12% below the current level.</p>
<div class="lb-trans"><p>该股票还形成了一个上升的扩张楔形模式，这是一个常见的看跌信号。因此，股价在财报发布后可能会大幅下跌，尤其是如果它跌破 200 EMA 和楔形的下侧。如果发生这种情况，股价可能会跌至 400 便士，约比当前水平低 12%。</p>
</div><p>On the positive side, a rebound could see it retest the resistance at 500p, which is about 10% above the current level.</p>
<div class="lb-trans"><p>从积极的一面来看，反弹可能会使其重新测试 500 便士的阻力位，约比当前水平高出 10%。</p>
</div><p>The post Aviva share price is at risk of a 12% crash if this happens appeared first on Invezz</p>
<div class="lb-trans"><p>英杰华股价面临 12% 的崩盘风险，如果发生这种情况，最早出现在 Invezz 上。</p>
</div>

如果发生这种情况，英杰华 (ADR) 的股价可能面临 12% 的暴跌风险