(AGN) Aegon - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: AS (Netherlands) | Market Cap: 11.111m EUR | Total Return: 28.3% in 12m
Life Insurance, Pensions, Annuities, Asset Management, Retirement Plans
Total Rating 36
Safety 21
Buy Signal 0.89
Insurance - Diversified
Industry Rotation: +5.0
Industry Rotation: +5.0
Market Cap:
12.9B
Avg Turnover: 34.3M
Avg Turnover: 34.3M
Risk 3d forecast
Volatility20.1%
VaR 5th Pctl3.47%
VaR vs Median5.60%
Reward TTM
Sharpe Ratio0.94
Rel. Str. IBD67.3
Rel. Str. Peer Group96.7
Character TTM
Beta0.863
Beta Downside0.829
Hurst Exponent0.455
Drawdowns 3y
Max DD22.76%
CAGR/Max DD1.06
CAGR/Mean DD5.39
EPS (Earnings per Share)
Last SUE: 0.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 6.32%
Rev. Trend: 21.8%
Rev. Trend: 21.8%
Last SUE: 2.13
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Supp Ema8, Supp Ema20
Description: AGN Aegon
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
Piotroski VR‑10 (Strict)
3.0
| 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 (2.60b) to EBITDA (1.75b): 1.49 < 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: 30.85 > 6 (EBITDA TTM 1.75b / Interest Expense TTM 516.0m) |
Altman Z''
0.82
| 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: 0.05 (EBIT TTM 15.92b / Avg Total Assets 316.55b) |
| D: 0.00 (Book Value of Equity 1.12b / Total Liabilities 309.62b) |
| Altman-Z'' = 0.82 = 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 = -1.21 (Cap -4..+1) = D |
What is the price of AGN shares?
As of May 23, 2026, the stock is trading at EUR 7.47 with a total of 4,076,463 shares traded.
Over the past week, the price has changed by +2.95%, over one month by +8.70%, over three months by +18.00% and over the past year by +28.33%.
Over the past week, the price has changed by +2.95%, over one month by +8.70%, over three months by +18.00% and over the past year by +28.33%.
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 20 May 2026
Market Cap USD = 12.92b (11.11b EUR * 1.1625 EUR.USD)P/E Trailing = 12.2433
P/E Forward = 9.3809
P/S = 0.9113
P/B = 1.1387
P/EG = 14.2828
Revenue TTM = 45.31b EUR
EBIT TTM = 15.92b 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 = 5.79b EUR (from shortLongTermDebtTotal, last quarter) + Leases 187.0m
Net Debt = 2.60b EUR (calculated: Debt 5.79b - CCE 3.19b)
Enterprise Value = 13.72b EUR (11.11b + Debt 5.79b - CCE 3.19b)
Interest Coverage Ratio = 30.85 (Ebit TTM 15.92b / Interest Expense TTM 516.0m)
EV/FCF = -19.89x (Enterprise Value 13.72b / FCF TTM -689.5m)
FCF Yield = -5.03% (FCF TTM -689.5m / Enterprise Value 13.72b)
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 13.72b / Total Assets 317.23b)
Interest Expense / Debt = 2.78% (Interest Expense 161.0m / Debt 5.79b)
Taxrate = 6.22% (65.0m / 1.04b)
NOPAT = 14.93b (EBIT 15.92b * (1 - 6.22%))
Current Ratio = unknown (Total Current Assets 20.80b / Total Current Liabilities 0.0)
Debt / Equity = 0.77 (Debt 5.79b / totalStockholderEquity, last quarter 7.53b)
Debt / EBITDA = 1.49 (Net Debt 2.60b / EBITDA 1.75b)
Debt / FCF = -3.78 (negative FCF - burning cash) (Net Debt 2.60b / 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 = 131.0% (EBIT 15.92b / Capital Employed (Equity 8.62b + L.T.Debt 3.53b))
RoIC = 5.07% (EBIT 15.92b / (Assets 317.23b - Curr.Liab 0.0 - Cash 3.19b))
WACC = 6.82% (E(11.11b)/V(16.90b) * Re(9.02%) + D(5.79b)/V(16.90b) * Rd(2.78%) * (1-Tc(0.06)))
Discount Rate = 9.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -61.38 | Cagr: -11.18%
[DCF] Fair Price = unknown (Cash Flow -689.5m)
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=+1.04% | Revisions=+33% | GrowthEPS=+8.7% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=0.95 | Chg30d=-2.41% | Revisions=+20% | GrowthEPS=+6.5% | GrowthRev=+2.0%
[Analyst] Revisions Ratio: +33%