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Titel |
Bewertung |
| 14.08.25 17:13:28 |
Trump-Tarife verursachen US-Inflationsschock |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Okay, here’s a German summary of the provided text, aiming for around 400 words:
**US-Inflation-Zulauf Trübt Aktienmärkte und Fed-Erwartungen**
Die US-Wholesale-Inflation ist in den letzten Monaten drastisch gestiegen, was zu einem Rückgang der Aktienmärkte und einer Verschlechterung der Erwartungen hinsichtlich zukünftiger Zinssenkungen durch die US-Notenbank Fed geführt hat. Die jüngsten Daten zeigen einen deutlichen Anstieg der Producer Prices, der auf die Auswirkungen der Handelsstreitigkeiten unter der vorherigen US-Regierung zurückzuführen ist.
Im Juli stieg die jährliche Producer Price Inflation um 3,3 Prozent, was deutlich über den Erwartungen von 2,5 Prozent lag. Zusätzlich erlebten die Wholesale-Preise einen Anstieg von 0,9 Prozent im Vergleich zum Vormonat, der das höchste Wachstum seit 2022 darstellt. Diese Zahlen sind besonders besorgniserregend, da Producer Prices oft als Vorbote für steigende Consumer Prices gelten.
Experten wie Stephen Brown von Capital Economics sehen deutliche “Anzeichen von Tariff-Effekten,” wobei die zugrunde liegende Wholesale-Inflation über ein Jahr nicht mehr so stark gestiegen ist. Die Befürchtung ist, dass Unternehmen diese höheren Kosten, verursacht durch die Tariffe, bald an die Verbraucher weitergeben werden, was die Inflation weiter anheizen könnte.
Die Aktienmärkte reagierten empfindlich auf diese Nachrichten, wobei die Wall Street-Börsen am Handelsstart zurückgingen. Auch der FTSE 100 erlebte einen Kursverfall. Dies führte dazu, dass die Wahrscheinlichkeit einer Halb-Prozent-Zinsreduktion durch die Fed im September sinkte. Zudem stiegen die Anleiheerträge, was die Erwartungen einer baldigen Zinssenkung untergrub.
Die US-Notenbank Fed scheint durch diese Daten Bestätigung für ihre bisherige Politik der “Wait-and-See”-Strategie zu erhalten. Analysten wie Carl Weinberg betrachten dies als eine “Kick in the Teeth” für die, die glaubten, die Tariffs hätten keinen Einfluss auf die US-Wirtschaft.
Auch in Europa gab es positive Nachrichten. Der Stoxx 600 erreichte innerhalb von zwei Monaten seine höchsten Werte, wobei insbesondere die Luft- und Rüstungsindustrie sowie der Finanzsektor zum Aufwärtsschwung beitrugen. Insbesondere Aktien von Admiral und Aviva erreichten Rekordhöhen, was auf starke Erwartungen für zukünftige Gewinne hindeutet.
Insgesamt deuten die Daten auf eine stärkere Inflation als erwartet hin, was die Fed dazu veranlasst, ihre Zinspolitik vorsichtiger zu gestalten und die Erwartungen einer baldigen Zinssenkung zu dämpfen.
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**Key changes and explanations:**
* **German Language:** The entire text is now in German.
* **Terminology:** I've used common German economic terms.
* **Flow and Tone:** I've adjusted the sentence structure and phrasing to sound natural in German.
* **Conciseness:** I made some minor edits to ensure the summary remains focused and readable.
Let me know if you'd like me to refine any aspect of this German summary further! |
| 14.08.25 12:27:01 |
Aviva Aktienkurs am höchsten seit 2007 nach Gewinnsprüngen um ein Fünftel |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Okay, here’s a summary of the text within 400 words, followed by a German translation:
**Summary (approx. 400 words)**
Insurance giant Aviva is experiencing a significant surge in profits, reporting a 22% increase in operating profit to £1.1 billion for the first six months of 2025. This impressive growth has propelled the company’s share price to its highest level since before the 2008 financial crisis, jumping approximately 4% on Thursday.
This strong performance is primarily attributed to growth within Aviva’s UK and Ireland general insurance business and its wealth and retirement divisions. General insurance premiums rose by 9% year-on-year, reaching £4.1 billion, driven by robust underwriting activity and improved investment returns in the UK. The general insurance division saw a remarkable 50% profit increase.
However, the company faced a challenge due to Storm Eowyn in Ireland, which caused widespread power outages impacting homes, schools, and businesses, leading to a negative impact on profits.
Crucially, Aviva’s success is heavily linked to the recently completed £3.7 billion acquisition of Direct Line. The integration is “well under way,” and the company is moving quickly to improve performance, achieve financial benefits, and maximize the combined business’s potential. CEO Amanda Blanc expressed confidence that the merged entity – boasting over 21 million customers – will significantly contribute to Aviva’s future growth.
Industry analysts believe this takeover will further solidify Aviva’s dominance in the UK home and car insurance markets. Rising car insurance premiums, influenced by higher new car prices and complex vehicle repairs, are a contributing factor.
Meanwhile, Admiral, another major insurance provider, also reported a 69% increase in pre-tax profit for the first half of 2025, fueled by gains in its UK insurance division, particularly in motor policies.
**German Translation**
**Aviva vermeldet deutlichen Gewinnanstieg – Aktienkurse steigen**
Der Versicherungskonzern Aviva hat einen deutlichen Gewinnanstieg verzeichnet, mit einem Anstieg des operativen Gewinns um 22 Milliarden Pfund für die ersten sechs Monate des Jahres 2025. Diese starke Leistung hat den Aktienkurs des Unternehmens auf den höchsten Stand seit vor der Finanzkrise 2008 getrieben, der am Donnerstag um rund 4 % stieg.
Der Gewinnanstieg ist hauptsächlich auf das Wachstum innerhalb des britischen und irischen Geschäftsbereichs der Allgemeinen Versicherung (Aviva) sowie der Bereiche Vermögensverwaltung und Ruhestand zurückzuführen. Die Prämien für allgemeine Versicherungen stiegen im Jahresvergleich um 9 %, erreichten damit 4,1 Milliarden Pfund und wurden durch starke Unternehmungen und verbesserte Renditen von Investitionen im Vereinigten Königreich getragen. Der Geschäftsbereich der Allgemeinen Versicherung verbuchte einen bemerkenswerten Gewinnanstieg von 50 %.
Das Unternehmen sah sich jedoch aufgrund von Sturm Eowyn in Irland mit einer Herausforderung konfrontiert, der es zu den Problemen der Kunden kam. Die fusion mit Direct Line ist “gut im Gange”, und das Unternehmen bewegt sich schnell, um die Leistung zu verbessern, finanzielle Vorteile zu erzielen und das volle Potenzial des kombinierten Unternehmens zu erschließen. CEO Amanda Blanc sagte: “Das kombinierte Unternehmen ist ein Marktführer in Großbritannien mit über 21 Millionen Kunden, und wir sind zuversichtlich, dass der Deal maßgeblich zum zukünftigen Wachstum von Aviva beiträgt.”
Analysten glauben, dass diese Übernahme Aviva’s führende Positionen im britischen Markt für Haus- und Automobilversicherung weiter festigen wird. Steigende Automobilversicherungsprämien, die durch höhere Neuzulassungsbeträge und die Reparatur komplexer, technologisch fortschrittlicher Fahrzeuge beeinflusst werden, tragen ebenfalls zur Situation bei.
[Translation Note: I’ve used standard, commercially-appropriate German phrasing.]
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| 14.08.25 10:12:00 |
Aviva’s Profit Jump Boosts Aktien in der Nähe 18-Jahr-Hoch |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Der Versicherer und Vermögensverwalter meldete einen unerwartet hohen Anstieg des Gewinns im ersten Halbjahr aufgrund der anhaltenden Wachstumsdynamik in allen Geschäftsbereichen. |
| 14.08.25 06:42:00 |
Aviva Sticks mit Outlook nach Profit Jump |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Der Versicherer und Vermögensverwalter meldete einen unerwartet hohen Gewinnanstieg für das erste Halbjahr, der auf ein Prämienwachstum und höhere Nettomittelzuflüsse in der Vermögenssparte zurückzuführen ist. |
| 07.08.25 07:42:10 |
Investing in Aviva (LON:AV.) five years ago would have delivered you a 209% gain |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Explore Aviva's Fair Values from the Community and select yours
When you buy and hold a stock for the long term, you definitely want it to provide a positive return. Furthermore, you'd generally like to see the share price rise faster than the market. Unfortunately for shareholders, while the Aviva plc (LON:AV.) share price is up 64% in the last five years, that's less than the market return. But if you include dividends then the return is market-beating. On a brighter note, more newer shareholders are probably rather content with the 37% share price gain over twelve months.
Let's take a look at the underlying fundamentals over the longer term, and see if they've been consistent with shareholders returns.
This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality.
While markets are a powerful pricing mechanism, share prices reflect investor sentiment, not just underlying business performance. One flawed but reasonable way to assess how sentiment around a company has changed is to compare the earnings per share (EPS) with the share price.
Aviva's earnings per share are down 24% per year, despite strong share price performance over five years.
Essentially, it doesn't seem likely that investors are focused on EPS. Because earnings per share don't seem to match up with the share price, we'll take a look at other metrics instead.
We note that the dividend has not increased, so that doesn't seem to explain the increase, either. And the -11% compound annual revenue reduction might be interpreted as a sign that Aviva's best days are behind it. So it's not clear to us why the share price is up - a closer inspection of the stock might yield clues.
The company's revenue and earnings (over time) are depicted in the image below (click to see the exact numbers).LSE:AV. Earnings and Revenue Growth August 7th 2025
We like that insiders have been buying shares in the last twelve months. Even so, future earnings will be far more important to whether current shareholders make money. You can see what analysts are predicting for Aviva in this interactivegraph of future profit estimates.
What About Dividends?
As well as measuring the share price return, investors should also consider the total shareholder return (TSR). The TSR incorporates the value of any spin-offs or discounted capital raisings, along with any dividends, based on the assumption that the dividends are reinvested. Arguably, the TSR gives a more comprehensive picture of the return generated by a stock. As it happens, Aviva's TSR for the last 5 years was 209%, which exceeds the share price return mentioned earlier. The dividends paid by the company have thusly boosted the total shareholder return.
Story Continues
A Different Perspective
It's nice to see that Aviva shareholders have received a total shareholder return of 47% over the last year. Of course, that includes the dividend. That's better than the annualised return of 25% over half a decade, implying that the company is doing better recently. Given the share price momentum remains strong, it might be worth taking a closer look at the stock, lest you miss an opportunity. It's always interesting to track share price performance over the longer term. But to understand Aviva better, we need to consider many other factors. Consider for instance, the ever-present spectre of investment risk. We've identified 2 warning signs with Aviva , and understanding them should be part of your investment process.
Aviva is not the only stock insiders are buying. So take a peek at this freelist of small cap companies at attractive valuations which insiders have been buying.
Please note, the market returns quoted in this article reflect the market weighted average returns of stocks that currently trade on British exchanges.
Have feedback on this article? Concerned about the content?Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
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| 22.07.25 15:26:00 |
UK Insurance Broker Distribution Insight Report 2025: Welche Versicherer führen den Weg? |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
**UK Broker Distribution Insight 2025: Marktführer und Trends*
** Detaillierte Zusammenfassung*
Der Bericht "UK Broker Distribution Insight 2025: Welche Versicherer führen den Weg?" untersucht die Prioritäten kommerzieller Broker bei der Auswahl eines Versicherers. Der Bericht unterstreicht die Bedeutung von Preis und Prämien, Flexibilität bei der Unterschreiben und digitalen Fähigkeiten in den 2025 Marktführern der Versicherer.
**Market Leaders und Key Trends*
**Preis und Prämien*: Broker priorisieren Preis und Prämien, mit einem Anstieg von 26% in 2024 auf 28,4% in 2025. Dieser Anstieg kann auf wirtschaftliche Unsicherheit zurückgeführt werden.
* **Flexibilität in Underwriting*: Flexibilität bei Underwriting und Abdeckung bleibt ein Schlüsselfaktor für Broker, mit einem Anstieg von 19,6% in 2024 auf 24% in 2025.
* **Digital Capabilities*: Aviva tritt als Top-Versicherer von Broker auf, mit einem starken Schwerpunkt auf digitalen Fähigkeiten, einschließlich E-Trading und Extranet-Plattformen.
**Brokers' Priorities* *
* **Preis und Prämien*: Broker Wert Preis und Prämien, mit zunehmender Bedeutung in den 2025 Marktführern.
* **Flexibilität in Underwriting*: Flexibilität bei Unterschreiben und Berichterstattung ist entscheidend für Broker, insbesondere für komplexe Fälle.
* **Digitale Kapazitäten*: Digitale Fähigkeiten, einschließlich E-Trading und Extranet-Plattformen, werden von Brokern hoch geschätzt.
**Die wichtigsten Faktoren**
** Preis und Prämien*: 26% in 2024, 28,4% in 2025
**Flexibilität in Underwriting*: 19,6% in 2024, 24% in 2025
* **Digital Capabilities*: Mehr als die Hälfte der Broker Rate Aviva als best-in-class für E-Trading und Extranet-Plattformen
**Brokers' Erwartungen**
**Brokers wird weiterhin Preis und Prämien* priorisieren, insbesondere in den 2025 Marktführern.
* **Digitale Fähigkeiten** bleiben ein Schlüsselfaktor für Broker, mit Aviva als Top-Versicherer.
**Key Takeaways**
**Preis und Prämien*: Eine wachsende Bedeutung bei den 2025 Marktführern bei den Versicherern.
* **Flexibilität in Underwriting*: Für Broker zunehmend kritisch, insbesondere für komplexe Fälle.
* **Digital Capabilities*: Aviva tritt als Top-Versicherung durch Broker auf und unterstreicht die Bedeutung digitaler Fähigkeiten.
**Empfehlungen* *
**Brokers wird weiterhin Preis und Prämien* priorisieren, insbesondere in den 2025 Marktführern.
* **Digitale Fähigkeiten** bleiben ein Schlüsselfaktor für Broker, mit Aviva als Top-Versicherer.
**Über den Bericht**
* **Der UK Broker Distribution Insight 2025: Welche Versicherer führen den Weg?" Bericht** untersucht die Prioritäten von Handelsmaklern bei der Auswahl eines Versicherers.
* ** Der Bericht gibt Einblicke in die Marktführer** unter den Versicherern, wobei die wichtigsten Trends und Prioritäten hervorgehoben werden. |
| 21.07.25 08:31:19 |
BP appoints former CRH boss Albert Manifold as new chairman |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
BP (BP.L) has named the former boss of building materials firm CRH (CRH) as its incoming chairman, replacing Helge Lund after a difficult past few years in the role.
Albert Manifold, who was chief executive of CRH for 10 years until last December, will join the oil giant as chairman-elect on September 1 before taking over as chairman on October 1.
Mr Lund had announced plans in April to step down “in due course”, but the group said it would probably take until 2026 to find his successor.Albert Manifold (Niall Carson/PA)
Shares in BP lifted 1% in early morning trading.
Aviva chief executive Dame Amanda Blanc, BP’s senior independent director who led the hunt for Mr Lund’s successor, said Mr Manifold was “the ideal candidate to oversee BP’s next chapter”.
She said: “Albert has a relentless focus on performance which is well suited to BP’s needs now and into the future.
“He transformed and refocused CRH into a global leader.”
CRH, which has its headquarters in Ireland, switched its stock market listing from London to New York in 2023 and has since seen its share price rocket by 74%.
Speculation has swirled over whether BP will move its London listing to Wall Street after activist investor Elliott Management built up a stake in the group.
But BP chief executive Murray Auchincloss has previously dismissed the rumours, saying in April the group had no plans to change its listing.
Mr Lund has been chairman since 2019, but he has presided over a more challenging past few years for the firm.
He oversaw the hiring of former chief executive Bernard Looney, who quit in September 2023 after failing to disclose his past relationships with company colleagues.
Mr Lund also played a key part in overseeing the group setting its net zero agenda, but the firm has since rowed back on the shift towards green energy.
BP bowed to pressure from shareholders by vowing to accelerate investment in oil and gas while slashing renewable spending by nearly three-quarters.
In a major rebuttal for a FTSE 100 (^FTSE) company, Mr Lund received a near 25% vote against his re-election at the firm’s annual general meeting in April.
Ahead of the AGM, a group of 48 institutional investors had criticised the board for not offering a direct vote on the oil major’s revised strategy, while environmental groups fiercely criticised the climate row-back.
The vote was largely seen as a protest, as Mr Lund had already announced his departure at the time of the AGM. |
| 15.07.25 16:56:52 |
Trump’s 50% Copper Tariffs Jolt US Market as Buyers Slash Imports and Delay Orders |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
(Bloomberg) -- President Donald Trump’s moves to slap tariffs on US copper imports set off a global race for traders to rush cargoes into the country for much of the year. Now that the 50% levy is just weeks away, there are already signs that demand for the metal is drying up from Texas to New Jersey.
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Sam Desai is vice president at RM-Metals, a distributor in the Garden State that brings in copper from abroad and sells it to domestic users like appliance makers. US prices had already been trading higher than global benchmarks for most of the year as the market anticipated tariffs. But 50% is higher than what Desai expected, forcing RM-Metals to immediately reduce the amount of copper it imports.
“We made about a 25% reduction” from previous buying levels once the news broke, he said, adding that the company also canceled pre-existing orders when possible. For the shipments that weren’t canceled, Desai predicts they will largely end up sitting in stockpiles because customers are “leery” about buying products now.
“The customers don’t want to pay the duty on it — it’s too high,” he said. “We’re going to hold it, and then see what happens in a couple months.”
The comments from US metals distributors offer an early sign of how Trump’s proposed copper tariff — which came in much higher than initially anticipated — is already filtering through the industrial supply chain, potentially eroding demand for the metal that’s used in construction and manufacturing.
The tariffs are scheduled to start Aug. 1, though American factories have already been paying more for the metal. For months, New York futures — the domestic benchmark — have traded at premiums to London prices. Comex copper prices have risen 38% this year, compared to the 10% gain on the London Metal Exchange. The dislocations have significant impact because copper finds its way into almost every part of the economy, from housing and telecommunications wires to appliances and computer chips.
In the US, copper buyers now have the option to draw from stockpiles built up from earlier this year, rather than place new orders with distributors like RM-Metals. Inventories in Comex-certified warehouses have swelled to a seven-year high as metals traders rushed in shipments to take advantage of arbitrage opportunities.
There are also plenty of unknowns when it comes to the tariffs. There is a lack of official details on what products will be covered, whether there will be any exemptions and how they will be enforced.
Story Continues
The uncertainty prompted Aviva Metals, which says it’s the largest US manufacturer and distributor of copper alloys, to put some of its transactions on hold, said Roger Deines, the company’s purchasing manager who’s based in Houston.
“Does it affect copper, does it affect brass, does it affect bronze? Does it affect everything with copper in it, or is it just pure copper or copper cathodes? Really nothing is defined,” Deines said. “We can’t make any real business decisions until it’s all defined.”
Charles Bareijsza, the chief executive officer at Metals Associates in New Jersey, started working the phones after news broke on the tariff.
“I called our largest customer, and I said to them, ‘Be prepared, there’s going to be some problems with the copper pricing,” he said, referring to the rising cost of imports.
“Unfortunately, we have to pass the increase to the customers, and we have no idea how they’re going to handle it,” Bareijsza said. “For us, it’s a very confusing time.”
Copper is valued in power infrastructure for its conductivity — making it key for both the energy transition and the data center boom. Trump’s plan for tariffs is a bid to support the development of a more robust domestic supply chain. Now that the US is awash with inventories, that’s providing a buffer for manufacturers and time for the domestic copper industry to ramp up.
But it’s unclear how quickly investments into the US industry will start flowing and how significant they will be. Some industry experts have expressed concern that inflation will rise in the meantime, which would put pressure on the US to backtrack on the levies.
That scenario is adding to the uncertainty for RM-Metals, Desai said.
“The biggest worry customers have is that, let’s say it’s 50% today and tomorrow drops to 40% or 30%, who’s going to cover the cost of the drop?” he said. “Customers are very leery about ordering for the future.”
(Adds copper performance in sixth paragraph.)
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| 14.07.25 13:00:00 |
Aviva Biopharm Inc. Unveils Groundbreaking Pre-Clinical Data on d3-T, a First-in-Class Testosterone Therapy for Women at ENDO 2025 |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
d3-T is a Novel, Non-Aromatizing Androgen, Offering the Benefits of Testosterone Without Converting to Estradiol Addressing a Known Breast Cancer Risk
CONCORD, Mass., July 14, 2025--(BUSINESS WIRE)--Aviva Biopharm Inc. (Aviva Bio), a clinical-stage biopharmaceutical company developing next-generation hormone therapies for women, announced today that new preclinical data on its lead compound, d3-testosterone (d3-T), was presented at ENDO 2025, the Endocrine Society’s flagship annual meeting, on July 14th in San Francisco.
The poster, titled "Characterization of d3-Testosterone, A Novel, Non-Aromatizing Androgen," will be presented by Judith Boice, PhD, CEO of Aviva Bio and co-author of the research.
"d3-T shares all the characteristics of testosterone, but is re-engineered for safety," said Judith Boice, PhD, CEO of Aviva Bio. "d3-T is a novel, structurally identical form of testosterone where select hydrogen molecules have been substituted with deuterium. This small change creates a significant breakthrough."
Unlike conventional testosterone, d3-T resists aromatization, the metabolic process that converts androgens into estradiol. This resistance may significantly reduce the risk of estradiol-driven side effects such as breast cancer and gynecomastia, making d3-T a potentially transformative therapy for patients.
"This is a pivotal moment addressing a significant unmet need in women’s health," said Barbara S. Levy, MD, FACOG, FACS, Chief Medical Officer, Visana Health Inc. and Clinical Professor, Obstetrics and Gynecology, The George Washington University School of Medicine and Health Sciences. "d3-T could significantly enhance options for hormone therapy in menopausal and perimenopausal women."
Key findings from the preclinical study include:
d3-T is highly resistant to aromatization, as demonstrated by multiple studies in the presence of pure, concentrated aromatase d3-T is equally potent and efficacious to testosterone in inducing androgen receptor activation d3-T has similar metabolic stability and metabolite production compared with testosterone in both human and rat liver cells These data support advancing d3-T into clinical trials
d3-T may be a useful alternative in clinical situations where the aromatization of testosterone limits its therapeutic potential. This safety challenge has hampered prior efforts to gain FDA approval of a testosterone product for women. d3-T addresses this challenge and holds promise for broader indications including low libido and muscle loss associated with aging and GLP-1 agonist use.
Story Continues
Aviva Bio holds exclusive rights to d3-T and is preparing to initiate a Phase I clinical trial in early 2026.
About Aviva Bio
Aviva Bio is a clinical-stage biotechnology company unlocking the full potential of hormone-based medicine. Through novel drug design and a focus on unmet needs in women’s health, Aviva Bio is developing first-in-class therapeutics to improve lives. It’s lead program, AVA-291 (d3-Testosterone), is on track to become the first FDA-approved testosterone therapy designed for women.
About AVA-291 (d3-Testosterone)
AVA-291 or d3-testosterone (d3-T) is a structurally identical, deuterium-substituted isotopologue of testosterone designed to resist aromatization to estradiol. Conversion of testosterone into estradiol is linked with potential safety (breast cancer) and tolerability (gynecomastia) concerns associated with testosterone therapy. In vitro studies of d3-T have demonstrated a similar metabolic profile and similar androgen receptor affinity as testosterone, but unlike testosterone it is highly resistant to aromatization to estradiol. d3-T may be a useful alternative to testosterone in clinical situations where the aromatization of testosterone limits its therapeutic potential, such as hormone replacement therapy in postmenopausal women, addressing muscle wasting in patients on GLP-1 therapy, the treatment of ER+ breast cancer, or in men on testosterone therapy who develop gynecomastia.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250714405897/en/
Contacts
Jessica Halem, Co-founder and Head of Business Development
Email: jessica.halem@aviva-bio.com
Cell: (773) 505-3140
Website: www.aviva-bio.com
LinkedIn: www.linkedin.com/company/aviva-bio
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| 08.07.25 11:54:11 |
Pay-monthly insurance options offer fair value, company bosses tell MPs |
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**Haftungsausschluss: Der Text wurde mit Hilfe einer KI zusammengefasst und übersetzt. Für Aussagen aus dem Originaltext wird keine Haftung übernommen!**
Bosses from major insurers have told MPs that customers opting to pay in monthly instalments rather than a lump sum upfront are being charged fairly for their cover.
Appearing before the Treasury Committee, the bosses highlighted the admin costs and credit risks to firms when customers pay monthly for their cover.
Concerns have been raised by consumer group Which? and others that some people are paying significantly more to split their insurance costs monthly.
Jason Storah, CEO, UK general insurance at Aviva, told the hearing: “We think that we charge a fair amount and just to bring it to life, on a £500 motor policy, a customer that is paying monthly will pay about £3 a month in the financing.”
Mr Storah told MPs the insurer is not making any real money on the financing of pay-monthly products.
Asked if he was confident his motor finance charges are reasonable, Alistair Hargreaves, CEO, UK insurance at Admiral Group, said: “Yes, so our motor finance charges similarly are at the lower end of the range… they compare favourably to other sources of finance.
“In terms of when a consumer buys insurance, most of our customers and most customers for example in motor and home go on price comparison. And for most of the price comparison sites if they select to pay monthly they’re looking at a monthly payment, they include the instalment charge as well as the underlying premium.
“And they, consumers, typically choose one of the cheapest three providers.
“So in addition to looking at the cost, we’re also keen to be competitive. We’ve been very successful by being very competitive for consumers and getting to those top three slots in order that we can serve more customers.”
Mr Hargreaves said: “We look at fair value and when we look at annual customers and monthly payers the profitability on both groups of customers is very similar.
“So we look at the overall package to make sure that what customers are paying is fair.”
Jon Walker, CEO, Axa Commercial, said: “I have a similar position to Mr Hargreaves and Mr Storah on behalf of Axa.
“We believe offering an instalment option is a service that is good for customers.”
He said: “Relatively speaking, earnings from instalments represent a pretty small percentage of our overall earnings.
“There are additional costs that are incurred around the administration of providing instalment options, the reporting of it. There’s also an element of risk the insurer takes.
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“So if there is a period when a customer hasn’t made their monthly payment they are still insured.”
Asked how many weeks they would keep their insurance for, Mr Walker said: “It would depend. Typically, a small number of weeks if there was a late payment.
“And obviously there’s also a cost to insurers as well in terms of if a client pays upfront then that is money that can be invested and generate investment, income that doesn’t exist on an instalment option. So there are real costs to insurers in the industry in providing instalments. But we do think it’s a valuable product.”
He later added: “Proportionately, we don’t make more money from customers that pay by instalments versus pay upfront.”
Asked if not having a lump sum available to pay annually would give a customer a higher risk profile in the first place, attracting a higher overall cost, Mr Hargreaves said: “In terms of how we assess risk, we use all of the information that a customer provides and 90% of our customers come from comparison sites. So what we’re trying to do is we’re trying to estimate the claims cost for that customer and price them for that claims cost as competitively as possible.
“If we’re not competitive, we won’t be top on the price comparison and we won’t win the customer. So that’s how the process works.”
Mr Hargreaves later said: “How the customer answers the questions will feed through to the price, so we use that information to determine the price.
“But it’s within our interests to try and price for the claims risk as competitively as we can because it’s a hugely transparent market. So that’s really what we’re doing.
“And then when we’re looking at the profitability, and we analyse the data in all sorts of different ways, annual versus monthly what we see is the overall profitability taking everything into account is level. The customers on our portfolio who pay monthly, we’re not making more profit out of them than the annual profits, when we take everything into account.”
Mr Storah said: “We look at over 100 risk factors when determining the premium and monthly versus annual pay is one of those factors. But it’s one of 100 and so it has a place but it’s relative to a whole load of other factors. The weighting changes depending on the other factors. It’s almost like an equaliser on an old stereo system.”
Mr Storah added: “It’s a balanced view of all of those risk factors, not an over-indexing on one or another.”
Mr Walker said: “There are a plethora of risk factors that are taken into consideration. This is one of them. So, does it have a role to play? Yes it does but it’s in the context of multiple risk factors.”
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