(AGN) Aegon - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: AS (Netherlands) | Market Cap: 10.069m EUR | Total Return: 37.8% in 12m
Insurance, Pensions, Investments, Mortgages
Total Rating 34
Safety 32
Buy Signal 0.71
Insurance - Diversified
Industry Rotation: +7.9
Industry Rotation: +7.9
Market Cap:
11.7B
Avg Turnover: 39.2M EUR
Avg Turnover: 39.2M EUR
ATR:
2.55%
Peers RS (IBD): 76.7
Peers RS (IBD): 76.7
Risk 5d forecast
Volatility24.8%
Rel. Tail Risk-5.88%
Reward TTM
Sharpe Ratio1.12
Alpha5.87
Character TTM
Beta0.885
Beta Downside0.833
Drawdowns 3y
Max DD22.76%
CAGR/Max DD1.21
EPS (Earnings per Share)
EPS CAGR: -72.56%
EPS Trend: -19.9%
EPS Trend: -19.9%
Last SUE: 0.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 2.41%
Rev. Trend: 34.7%
Rev. Trend: 34.7%
Last SUE: 1.37
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AGN Aegon
Aegon N.V. (AGN) is a multi-national financial services company. It offers a diverse range of insurance, pension, and asset management products.
The company operates across the Americas, Europe, and internationally, utilizing brands such as Transamerica. The insurance sector is characterized by long-term liabilities and significant regulatory oversight.
Aegons business model includes both underwriting risk through insurance products and managing investments for clients. Asset management typically involves fee-based revenue streams, while insurance relies on premiums and investment income.
For further analysis, ValueRay provides detailed financial data and historical performance metrics.
- Interest rate fluctuations impact annuity and pension product profitability
- Regulatory changes in insurance and pensions affect compliance costs
- Investment performance directly influences asset management fees
- Mortality and longevity trends drive life insurance liabilities
- Economic downturns reduce demand for retirement and investment products
Piotroski VR‑10 (Strict)
2.0
| Net Income: 1.69b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.41 > 1.0 |
| NWC/Revenue: 45.90% < 20% (prev -21.85%; Δ 67.75% < -1%) |
| CFO/TA 0.00 > 3% & CFO 806.5m > Net Income 1.69b |
| Net Debt (2.42b) to EBITDA (1.75b): 1.39 < 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: 14.31% > 50% (prev 4.96%; Δ 9.35% > 0%) |
| Interest Coverage Ratio: 2.32 > 6 (EBITDA TTM 1.75b / Interest Expense TTM 516.0m) |
Altman Z''
0.50
| A: 0.07 (Total Current Assets 20.80b - Total Current Liabilities 0.0) / Total Assets 317.23b |
| B: 0.01 (Retained Earnings 4.23b / Total Assets 317.23b) |
| C: 0.00 (EBIT TTM 1.20b / Avg Total Assets 316.55b) |
| D: 0.00 (Book Value of Equity 1.12b / Total Liabilities 309.62b) |
| Altman-Z'' Score: 0.50 = B |
Beneish M
-1.21
| DSRI: 1.59 (Receivables 17.61b/3.83b, Revenue 45.31b/15.68b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.95 (AQ_t 0.93 / AQ_t-1 0.99) |
| SGI: 2.89 (Revenue 45.31b / 15.68b) |
| TATA: 0.00 (NI 1.69b - CFO 806.5m) / TA 317.23b) |
| Beneish M-Score: -1.21 (Cap -4..+1) = D |
What is the price of AGN shares?
As of April 11, 2026, the stock is trading at EUR 6.76 with a total of 8,184,886 shares traded.
Over the past week, the price has changed by +4.94%, over one month by +9.74%, over three months by +1.44% and over the past year by +37.83%.
Over the past week, the price has changed by +4.94%, over one month by +9.74%, over three months by +1.44% and over the past year by +37.83%.
Is AGN a buy, sell or hold?
Aegon has no consensus analysts rating.
What are the forecasts/targets for the AGN price?
| Analysts Target Price | - | - |
Aegon (AGN) - Fundamental Data Overview
as of 10 April 2026
Market Cap USD = 11.74b (10.07b EUR * 1.1659 EUR.USD)P/E Trailing = 11.0933
P/E Forward = 7.4129
P/S = 0.8258
P/B = 1.0247
P/EG = 14.2828
Revenue TTM = 45.31b EUR
EBIT TTM = 1.20b EUR
EBITDA TTM = 1.75b EUR
Long Term Debt = 3.53b EUR (from longTermDebt, last quarter)
Short Term Debt = 41.0m EUR (from shortTermDebt, last quarter)
Debt = 5.61b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.42b EUR (from netDebt column, last quarter)
Enterprise Value = 12.49b EUR (10.07b + Debt 5.61b - CCE 3.19b)
Interest Coverage Ratio = 2.32 (Ebit TTM 1.20b / Interest Expense TTM 516.0m)
EV/FCF = -18.11x (Enterprise Value 12.49b / FCF TTM -689.5m)
FCF Yield = -5.52% (FCF TTM -689.5m / Enterprise Value 12.49b)
FCF Margin = -1.52% (FCF TTM -689.5m / Revenue TTM 45.31b)
Net Margin = 3.73% (Net Income TTM 1.69b / Revenue TTM 45.31b)
Gross Margin = unknown ((Revenue TTM 45.31b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.04 (Enterprise Value 12.49b / Total Assets 317.23b)
Interest Expense / Debt = 2.87% (Interest Expense 161.0m / Debt 5.61b)
Taxrate = 6.22% (65.0m / 1.04b)
NOPAT = 1.12b (EBIT 1.20b * (1 - 6.22%))
Current Ratio = unknown (Total Current Assets 20.80b / Total Current Liabilities 0.0)
Debt / Equity = 0.74 (Debt 5.61b / totalStockholderEquity, last quarter 7.53b)
Debt / EBITDA = 1.39 (Net Debt 2.42b / EBITDA 1.75b)
Debt / FCF = -3.51 (negative FCF - burning cash) (Net Debt 2.42b / FCF TTM -689.5m)
Total Stockholder Equity = 8.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 1.69b / Total Assets 317.23b)
RoE = 19.61% (Net Income TTM 1.69b / Total Stockholder Equity 8.62b)
RoCE = 9.84% (EBIT 1.20b / Capital Employed (Equity 8.62b + L.T.Debt 3.53b))
RoIC = 8.37% (NOPAT 1.12b / Invested Capital 13.39b)
WACC = 6.80% (E(10.07b)/V(15.67b) * Re(9.09%) + D(5.61b)/V(15.67b) * Rd(2.87%) * (1-Tc(0.06)))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -9.21%
[DCF] Fair Price = unknown (Cash Flow -689.5m)
EPS Correlation: -19.87 | EPS CAGR: -72.56% | SUE: 0.0 | # QB: 0
Revenue Correlation: 34.74 | Revenue CAGR: 2.41% | SUE: 1.37 | # QB: 1
EPS current Year (2026-12-31): EPS=0.92 | Chg7d=+0.000 | Chg30d=+0.113 | Revisions Net=+1 | Growth EPS=+12.2% | Growth Revenue=+11.3%
EPS next Year (2027-12-31): EPS=0.97 | Chg7d=-0.062 | Chg30d=-0.029 | Revisions Net=+0 | Growth EPS=+5.7% | Growth Revenue=+2.0%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.1% (Discount Rate 9.1% - Earnings Yield 9.0%)
[Growth] Growth Spread = +1.9% (Analyst 2.0% - Implied 0.1%)