<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>英傑華的股價正處於連續三週下跌的軌道，因為交易者關注其預計將在下週發佈的財報。英傑華的股票已跌至 456 便士，接近自 8 月 5 日以來的最低點。今年以來，它的股價從最高點回落了 8.50%，這意味着它可能很快會進入調整期。</p>
<h2>英傑華股價受到壓力</h2>
<p>英傑華並不是唯一一家在過去幾個月股價回落的英國保險公司。專注於新興市場的保誠公司股價從 2023 年的最高點下跌了近 50%。</p>
<p>同樣，法律與一般公司的股票在從年初至今的高點下跌 13% 後也進入了調整期。直接保險公司仍處於深度熊市中。</p>
<p>這種表現的原因之一是金融行為監管局（FCA）加強了對行業的監管。今年 8 月，該機構表示正在對保險客户的純保護保險市場進行調查。</p>
<p>該機構還對一些行業頂尖公司的汽車保險附加產品展開了調查。</p>
<p>儘管如此，英傑華在某些方面的表現仍然優於其他保險公司。首先，在阿曼達·布朗的領導下，公司經歷了重大轉型，她已成為該國頂尖女性高管之一。</p>
<p>其中一種做法是退出大多數國際市場，如法國、意大利、波蘭、越南、香港、新加坡和西班牙。這些舉措使公司變得更加精簡，並在英國及少數國際市場（如加拿大）擁有明確的使命。</p>
<p>阿曼達·布朗還宣佈了一些戰略收購，以鞏固其市場份額。例如，她在 2022 年以 3.85 億英鎊收購了 Succession Wealth。最近的一項重大收購是以 4.6 億英鎊收購 AIG 人壽業務。她還收購了 Probitas Holdings。</p>
<p>這些收購旨在鞏固其在本土市場的表現並擴大市場份額。</p>
<p>閲讀更多：英傑華股價展望：7.12% 的收益率是否值得關注？</p>
<h2>轉型措施奏效</h2>
<p>這些轉型措施正在奏效。最近的結果顯示，英傑華的客户數量躍升至超過 1950 萬，分析師認為這一數字很快將達到 2000 萬。</p>
<p>結果還顯示，英傑華的毛保費增長了 15%，財富流入增長了 16%，而其 IWR 銷售增長了 12%。對於一家自 1696 年就開始營業的公司來説，這些都是強勁的數字。</p>
<p>阿曼達·布朗還在努力提前實現她的利潤目標。預計到 2026 年，其營業利潤將達到 20 億英鎊。預計到 2026 年，其現金匯款將達到 58 億英鎊。</p>
<p>因此，該公司繼續向投資者返還資金。它在 6 月完成了 3 億英鎊的股票回購，並暗示未來將進行更多回購。</p>
<p>英傑華也是英國頂尖的分紅支付公司之一。它在上半年提高了 7% 的分紅，使收益率達到 7.47%。這意味着投資該公司的 1 萬英鎊每年將帶來超過 700 英鎊的分紅。</p>
<p>還有跡象表明，英傑華是一家被低估的公司。它的市盈率為 10，市淨率為 1.40。</p>
<p>閲讀更多：FTSE 100 指數值得關注的股票：英傑華、沃達豐、ICG、Flutter</p>
<h2>英傑華股價分析</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 圖表來自 TradingView</p>
<p>從長期來看，我們認為英傑華的股價在 9 月份達到了 497.9 便士的歷史最高點，然後經歷了深度回調。</p>
<p>當前水平位於橙色所示的上升通道的下側，同時也處於 200 周指數移動平均線（EMA）附近。</p>
<p>該股票還形成了一個上升的擴張楔形模式，這是一個常見的看跌信號。因此，股價在財報發佈後可能會大幅下跌，尤其是如果它跌破 200 EMA 和楔形的下側。如果發生這種情況，股價可能會跌至 400 便士，約比當前水平低 12%。</p>
<p>從積極的一面來看，反彈可能會使其重新測試 500 便士的阻力位，約比當前水平高出 10%。</p>
<p>英傑華股價面臨 12% 的崩盤風險，如果發生這種情況，最早出現在 Invezz 上。</p>

英傑華(ADR)

<p>Aviva 的股價面臨 12% 的下跌風險，目前為 456 便士，因其在財報發佈前經歷了連續三週的下跌。該股票自年度高點回落了 8.50%，受到保險行業監管審查的壓力。儘管面臨挑戰，Aviva 通過戰略收購和不斷增長的客户基礎展現了韌性。分析師預測潛在的盈利波動，如果失去關鍵支撐位，股價可能跌至 400 便士，而反彈則可能上漲至 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>英傑華的股價正處於連續三週下跌的軌道，因為交易者關注其預計將在下週發佈的財報。英傑華的股票已跌至 456 便士，接近自 8 月 5 日以來的最低點。今年以來，它的股價從最高點回落了 8.50%，這意味着它可能很快會進入調整期。</p>
</div><h2>Aviva share price is being pressured</h2>
<div class="lb-trans"><h2>英傑華股價受到壓力</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>英傑華並不是唯一一家在過去幾個月股價回落的英國保險公司。專注於新興市場的保誠公司股價從 2023 年的最高點下跌了近 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>同樣，法律與一般公司的股票在從年初至今的高點下跌 13% 後也進入了調整期。直接保險公司仍處於深度熊市中。</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>這種表現的原因之一是金融行為監管局（FCA）加強了對行業的監管。今年 8 月，該機構表示正在對保險客户的純保護保險市場進行調查。</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>該機構還對一些行業頂尖公司的汽車保險附加產品展開了調查。</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>儘管如此，英傑華在某些方面的表現仍然優於其他保險公司。首先，在阿曼達·布朗的領導下，公司經歷了重大轉型，她已成為該國頂尖女性高管之一。</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>其中一種做法是退出大多數國際市場，如法國、意大利、波蘭、越南、香港、新加坡和西班牙。這些舉措使公司變得更加精簡，並在英國及少數國際市場（如加拿大）擁有明確的使命。</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>阿曼達·布朗還宣佈了一些戰略收購，以鞏固其市場份額。例如，她在 2022 年以 3.85 億英鎊收購了 Succession Wealth。最近的一項重大收購是以 4.6 億英鎊收購 AIG 人壽業務。她還收購了 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>這些收購旨在鞏固其在本土市場的表現並擴大市場份額。</p>
</div><p>Read more: Aviva share price outlook: is the 7.12% yield too good to ignore?</p>
<div class="lb-trans"><p>閲讀更多：英傑華股價展望：7.12% 的收益率是否值得關注？</p>
</div><h2>Turnaround is working</h2>
<div class="lb-trans"><h2>轉型措施奏效</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>這些轉型措施正在奏效。最近的結果顯示，英傑華的客户數量躍升至超過 1950 萬，分析師認為這一數字很快將達到 2000 萬。</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>結果還顯示，英傑華的毛保費增長了 15%，財富流入增長了 16%，而其 IWR 銷售增長了 12%。對於一家自 1696 年就開始營業的公司來説，這些都是強勁的數字。</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>阿曼達·布朗還在努力提前實現她的利潤目標。預計到 2026 年，其營業利潤將達到 20 億英鎊。預計到 2026 年，其現金匯款將達到 58 億英鎊。</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，該公司繼續向投資者返還資金。它在 6 月完成了 3 億英鎊的股票回購，並暗示未來將進行更多回購。</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>英傑華也是英國頂尖的分紅支付公司之一。它在上半年提高了 7% 的分紅，使收益率達到 7.47%。這意味着投資該公司的 1 萬英鎊每年將帶來超過 700 英鎊的分紅。</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>還有跡象表明，英傑華是一家被低估的公司。它的市盈率為 10，市淨率為 1.40。</p>
</div><p>Read more: FTSE 100 index shares to watch: Aviva, Vodafone, ICG, Flutter</p>
<div class="lb-trans"><p>閲讀更多：FTSE 100 指數值得關注的股票：英傑華、沃達豐、ICG、Flutter</p>
</div><h2>Aviva share price analysis</h2>
<div class="lb-trans"><h2>英傑華股價分析</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 圖表來自 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>從長期來看，我們認為英傑華的股價在 9 月份達到了 497.9 便士的歷史最高點，然後經歷了深度回調。</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>當前水平位於橙色所示的上升通道的下側，同時也處於 200 周指數移動平均線（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>該股票還形成了一個上升的擴張楔形模式，這是一個常見的看跌信號。因此，股價在財報發佈後可能會大幅下跌，尤其是如果它跌破 200 EMA 和楔形的下側。如果發生這種情況，股價可能會跌至 400 便士，約比當前水平低 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>從積極的一面來看，反彈可能會使其重新測試 500 便士的阻力位，約比當前水平高出 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>英傑華股價面臨 12% 的崩盤風險，如果發生這種情況，最早出現在 Invezz 上。</p>
</div>

如果發生這種情況，英傑華 (ADR) 的股價可能面臨 12% 的暴跌風險