(AGN) Aegon - Overview

Exchange: AS • Country: Netherlands • Currency: EUR • Type: Common Stock • ISIN: BMG0112X1056

Stock: Insurance, Pensions, Annuities, Asset Management, Mortgages

Total Rating 36

Risk 64

Buy Signal 0.02

Insurance - Diversified » Multi-line Insurance
Age: -

Market Cap: 11,909m
Avg Trading Vol: 38.1M EUR

ATR: 2.14%
Peers RS (IBD): 50.00

EPS (Earnings per Share)

EPS CAGR: 9.07%
EPS Trend: -16.3%

Last SUE: 0.00
Qual. Beats: 0

Revenue

Rev. CAGR: -6.65%
Rev. Trend: 22.7%

Last SUE: 0.58
Qual. Beats: 0

Dividends

Dividend Yield	6.16%
Yield on Cost 5y	13.52%
Yield CAGR 5y	28.36%
Payout Consistency	81.9%
Payout Ratio	105.6%

Risk 5d forecast
Volatility	23.6%
Relative Tail Risk	-7.11%

Reward TTM
Sharpe Ratio	0.31
Alpha	2.78

Character TTM
Beta	0.269
Beta Downside	0.621

Drawdowns 3y
Max DD	23.18%
CAGR/Max DD	0.75

Description: AGN Aegon January 06, 2026

Aegon NV (AS:AGN) is a Dutch-based multinational insurer and asset manager operating in the Americas, the Netherlands, the United Kingdom and other markets. It offers a broad suite of products-including life, accident, property-casualty, health insurance, annuities, retirement plans, mutual funds, mortgage loans and digital savings-under the Transamerica and World Financial Group brands.

Key recent metrics: Aegon reported €2.5 bn of total assets under management (AUM) in 2023, with a combined ratio of 96.8% in its property-casualty segment, indicating underwriting profitability. The firm’s return on equity (ROE) hovered around 6.5% in 2023, modestly above the European multi-line insurance sector average of ~5.8%. A primary driver for Aegon’s outlook is the low-interest-rate environment, which compresses investment yields on its large fixed-income portfolios, while demographic aging in its core markets supports demand for retirement and annuity products.

For a deeper, data-rich assessment of Aegon’s valuation dynamics, you might explore the company’s profile on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income: 1.27b TTM > 0 and > 6% of Revenue
FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.28 > 1.0
NWC/Revenue: 78.26% < 20% (prev 20.25%; Δ 58.02% < -1%)
CFO/TA 0.00 > 3% & CFO 1.44b > Net Income 1.27b
Net Debt (1.07b) to EBITDA (4.46b): 0.24 < 3
Current Ratio: 4.14 > 1.5 & < 3
Outstanding Shares: last quarter (1.58b) vs 12m ago -13.81% < -2%
Gross Margin: 43.43% > 18% (prev 0.58%; Δ 4285 % > 0.5%)
Asset Turnover: 9.60% > 50% (prev 5.25%; Δ 4.35% > 0%)
Interest Coverage Ratio: 1.88 > 6 (EBITDA TTM 4.46b / Interest Expense TTM 355.0m)

Altman Z'' 0.55

A: 0.07 (Total Current Assets 30.33b - Total Current Liabilities 7.32b) / Total Assets 310.63b
B: 0.01 (Retained Earnings 4.08b / Total Assets 310.63b)
C: 0.00 (EBIT TTM 666.0m / Avg Total Assets 306.11b)
D: 0.01 (Book Value of Equity 2.40b / Total Liabilities 301.25b)
Altman-Z'' Score: 0.55 = B

Beneish M -2.51

DSRI: 0.58 (Receivables 3.83b/3.57b, Revenue 29.40b/15.83b)
GMI: 1.33 (GM 43.43% / 57.92%)
AQI: 0.91 (AQ_t 0.90 / AQ_t-1 0.99)
SGI: 1.86 (Revenue 29.40b / 15.83b)
TATA: -0.00 (NI 1.27b - CFO 1.44b) / TA 310.63b)
Beneish M-Score: -2.51 (Cap -4..+1) = A

What is the price of AGN shares?

As of February 07, 2026, the stock is trading at EUR 6.65 with a total of 5,973,729 shares traded.
Over the past week, the price has changed by +1.06%, over one month by -2.49%, over three months by +0.30% and over the past year by +10.98%.

Is AGN a buy, sell or hold?

Aegon has no consensus analysts rating.

What are the forecasts/targets for the AGN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	7.2	8.7%
Analysts Target Price	-	-
ValueRay Target Price	8.2	22.6%

AGN Fundamental Data Overview February 04, 2026

Market Cap USD = 11.91b (10.09b EUR * 1.1801 EUR.USD)
P/E Trailing = 8.5513
P/E Forward = 7.6161
P/S = 0.7723
P/B = 1.0701
P/EG = 14.2828
Revenue TTM = 29.40b EUR
EBIT TTM = 666.0m EUR
EBITDA TTM = 4.46b EUR
Long Term Debt = 4.27b EUR (from longTermDebt, last quarter)
Short Term Debt = 37.0m EUR (from shortTermDebt, last fiscal year)
Debt = 4.27b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.07b EUR (from netDebt column, last quarter)
Enterprise Value = 11.16b EUR (10.09b + Debt 4.27b - CCE 3.20b)
Interest Coverage Ratio = 1.88 (Ebit TTM 666.0m / Interest Expense TTM 355.0m)
EV/FCF = -218.8x (Enterprise Value 11.16b / FCF TTM -51.0m)
FCF Yield = -0.46% (FCF TTM -51.0m / Enterprise Value 11.16b)
FCF Margin = -0.17% (FCF TTM -51.0m / Revenue TTM 29.40b)
Net Margin = 4.33% (Net Income TTM 1.27b / Revenue TTM 29.40b)
Gross Margin = 43.43% ((Revenue TTM 29.40b - Cost of Revenue TTM 16.63b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.04 (Enterprise Value 11.16b / Total Assets 310.63b)
Interest Expense / Debt = 4.12% (Interest Expense 176.0m / Debt 4.27b)
Taxrate = 10.64% (72.0m / 677.0m)
NOPAT = 595.2m (EBIT 666.0m * (1 - 10.64%))
Current Ratio = 4.14 (Total Current Assets 30.33b / Total Current Liabilities 7.32b)
Debt / Equity = 0.46 (Debt 4.27b / totalStockholderEquity, last quarter 9.26b)
Debt / EBITDA = 0.24 (Net Debt 1.07b / EBITDA 4.46b)
Debt / FCF = -20.94 (negative FCF - burning cash) (Net Debt 1.07b / FCF TTM -51.0m)
Total Stockholder Equity = 8.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 1.27b / Total Assets 310.63b)
RoE = 14.36% (Net Income TTM 1.27b / Total Stockholder Equity 8.86b)
RoCE = 5.07% (EBIT 666.0m / Capital Employed (Equity 8.86b + L.T.Debt 4.27b))
RoIC = 4.40% (NOPAT 595.2m / Invested Capital 13.54b)
WACC = 5.94% (E(10.09b)/V(14.36b) * Re(6.90%) + D(4.27b)/V(14.36b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 6.90% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -7.16%
Fair Price DCF = unknown (Cash Flow -51.0m)
EPS Correlation: -16.25 | EPS CAGR: 9.07% | SUE: 0.0 | # QB: 0
Revenue Correlation: 22.74 | Revenue CAGR: -6.65% | SUE: 0.58 | # QB: 0
EPS next Year (2026-12-31): EPS=0.89 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+4.2% | Growth Revenue=+2.0%

Additional Sources for AGN Stock

Fund Manager Positions: Dataroma | Stockcircle