(AGN) Aegon - AS
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: AS (Netherlands) | Market Cap: 11.054m EUR | Total Return: 30.7% in 12m
Avg Turnover: 33.6M
Qual. Beats: 0
Rev. Trend: 21.8%
Qual. Beats: 1
Warnings
Extended 3d
Tailwinds
No distinct edge detected
Aegon Ltd. (AGN) is a Netherlands-based financial services provider specializing in life insurance, pensions, and asset management. Its operations are concentrated in the Americas, the United Kingdom, and the Netherlands, primarily utilizing the Transamerica brand in the United States. The company operates through three distinct segments: Distribution, Protection Solutions, and Savings & Investments.
As a multi-line insurer, Aegon utilizes a capital-intensive business model that generates revenue through policy premiums and fee-based income from assets under management. The sector is currently navigating a shift toward capital-light products, such as unit-linked insurance and defined contribution pension schemes, to reduce exposure to interest rate volatility. Historical data and valuation metrics on ValueRay can provide further context for those evaluating the firms market position. Aegon’s structure relies heavily on its distribution networks, including the World Financial Group, to scale its retirement and protection offerings across diverse geographic markets.
- Transamerica capital generation drives shareholder buybacks and dividend growth capacity
- Interest rate fluctuations impact net interest margins and solvency ratios
- US life insurance market share expansion strengthens non-European revenue base
- Asset management performance influences fee income across multi-national retirement segments
- Regulatory capital requirements under Solvency II dictate long-term balance sheet stability
| Net Income: 976.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: 80.64% < 20% (prev 117.9%; Δ -37.24% < -1%) |
| CFO/TA 0.00 > 3% & CFO 928.0m > Net Income 976.0m |
| Net Debt (2.60b) to EBITDA (6.61b): 0.39 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.51b) vs 12m ago -9.57% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 8.00% > 50% (prev 5.96%; Δ 2.04% > 0%) |
| Interest Coverage Ratio: 20.09 > 6 (EBIT TTM 6.77b / Interest Expense TTM 337.0m) |
| A: 0.07 (Total Current Assets 20.8b - Total Current Liabilities 0.0) / Total Assets 317b |
| B: 0.01 (Retained Earnings 4.23b / Total Assets 317b) |
| C: 0.02 (EBIT TTM 6.77b / Avg Total Assets 322b) |
| D: 0.02 (Book Value of Equity 7.53b / Total Liabilities 310b) |
| Altman-Z'' = 0.64 = B |
| DSRI: 3.0 (Receivables 17.6b/3.83b, Revenue 25.8b/19.5b) |
| GMI: 0.15 (GM 14.80% / 100.0%) |
| AQI: 1.03 (AQ_t 0.93 / AQ_t-1 0.91) |
| SGI: 1.32 (Revenue 25.8b / 19.5b) |
| TATA: 0.00 (NI 976.0m - CFO 928.0m) / TA 317b) |
| Beneish M = -1.90 (Cap -4..+1) = B |
As of June 13, 2026, the stock is trading at EUR 7.29 with a total of 6,217,729 shares traded.
Over the past week, the price has changed by +4.01%,
over one month by +5.36%,
over three months by +24.87% and
over the past year by +30.71%.
Aegon has no consensus analysts rating.
P/E Trailing = 12.18
P/E Forward = 9.6339
P/S = 0.9065
P/B = 1.1695
P/EG = 14.2828
Revenue TTM = 25.8b EUR
EBIT TTM = 6.77b EUR
EBITDA TTM = 6.61b EUR
Long Term Debt = 3.53b EUR (from longTermDebt, last quarter)
Short Term Debt = 41.0m EUR (from shortTermDebt, last quarter)
Debt = 5.79b EUR (from shortLongTermDebtTotal, last quarter) + Leases 187.0m
Net Debt = 2.60b EUR (calculated: Debt 5.79b - CCE 3.19b)
Enterprise Value = 13.7b EUR (11.1b + Debt 5.79b - CCE 3.19b)
Interest Coverage Ratio = 20.09 (Ebit TTM 6.77b / Interest Expense TTM 337.0m)
EV/FCF = -25.87x (Enterprise Value 13.7b / FCF TTM -528.0m)
FCF Yield = -3.87% (FCF TTM -528.0m / Enterprise Value 13.7b)
FCF Margin = -2.05% (FCF TTM -528.0m / Revenue TTM 25.8b)
Net Margin = 3.78% (Net Income TTM 976.0m / Revenue TTM 25.8b)
Gross Margin = unknown ((Revenue TTM 25.8b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.04 (Enterprise Value 13.7b / Total Assets 317b)
Interest Expense / Debt = 5.82% (Interest Expense 337.0m / Debt 5.79b)
Taxrate = 6.32% (66.0m / 1.04b)
NOPAT = 6.34b (EBIT 6.77b * (1 - 6.32%))
Current Ratio = unknown (Total Current Assets 20.8b / Total Current Liabilities 0.0)
Debt / Equity = 0.77 (Debt 5.79b / totalStockholderEquity, last quarter 7.53b)
Debt / EBITDA = 0.39 (Net Debt 2.60b / EBITDA 6.61b)
Debt / FCF = -4.93 (negative FCF - burning cash) (Net Debt 2.60b / FCF TTM -528.0m)
Total Stockholder Equity = 8.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.30% (Net Income 976.0m / Total Assets 317b)
RoE = 11.33% (Net Income TTM 976.0m / Total Stockholder Equity 8.62b)
RoCE = 55.74% (EBIT 6.77b / Capital Employed (Equity 8.62b + L.T.Debt 3.53b))
RoIC = 2.16% (EBIT 6.77b / (Assets 317b - Curr.Liab 0.0 - Cash 3.19b))
WACC = 7.73% (E(11.1b)/V(16.8b) * Re(8.92%) + D(5.79b)/V(16.8b) * Rd(5.82%) * (1-Tc(0.06)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -61.38 | Cagr: -11.18%
[DCF] Fair Price = unknown (Cash Flow -528.0m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: 21.78 | Revenue CAGR: 6.32% | SUE: 2.13 | # QB: 1
EPS current Year (2026-12-31): EPS=0.89 | Chg30d=+2.17% | Revisions=N/A | GrowthEPS=+8.7% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=0.95 | Chg30d=+0.00% | Revisions=-20% | GrowthEPS=+6.5% | GrowthRev=+2.0%
[Analyst] Revisions Ratio: -20%