(AGN) Aegon - Ratings and Ratios
Insurance, Pensions, Retirement, Asset Management, Annuities, Mutual Funds
AGN EPS (Earnings per Share)
AGN Revenue
Description: AGN Aegon
Aegon NV (AS:AGN) is a multinational insurance, pensions, and asset management company with a presence in the Americas, Europe, and other international markets. The company provides a range of financial products, including life insurance, annuities, retirement plans, and investment management solutions, under brands such as Transamerica and World Financial Group.
From a financial perspective, Aegon has a market capitalization of approximately €9.57 billion, indicating a significant presence in the global insurance and financial services industry. The companys price-to-earnings (P/E) ratio is 16.59, while the forward P/E is 7.87, suggesting potential for future earnings growth. However, the return on equity (RoE) is currently negative at -0.78%, indicating that the company is not generating profits for its shareholders.
Some key performance indicators (KPIs) to monitor for Aegon include the insurance penetration rate, premium growth rate, and asset under management (AUM) growth rate. The companys ability to manage its risk exposure, particularly in the face of changing regulatory requirements and market conditions, is also crucial. Additionally, the dividend yield and payout ratio can provide insights into the companys ability to generate cash and return value to shareholders.
To further analyze Aegons prospects, it is essential to examine the companys operating metrics, such as the loss ratio, expense ratio, and combined ratio, which can provide insights into its underwriting performance and operational efficiency. Furthermore, the companys investment portfolio composition, credit quality, and yield can help assess its asset management capabilities and potential for generating returns.
AGN Stock Overview
| Market Cap in USD | 12,671m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
AGN Stock Ratings
| Growth Rating | 85.1% |
| Fundamental | 49.5% |
| Dividend Rating | 85.5% |
| Return 12m vs S&P 500 | 10.4% |
| Analyst Rating | - |
AGN Dividends
| Dividend Yield 12m | 5.56% |
| Yield on Cost 5y | 18.82% |
| Annual Growth 5y | 39.77% |
| Payout Consistency | 82.6% |
| Payout Ratio | 79.6% |
AGN Growth Ratios
| Growth Correlation 3m | 83% |
| Growth Correlation 12m | 62.8% |
| Growth Correlation 5y | 94.6% |
| CAGR 5y | 28.68% |
| CAGR/Max DD 5y | 0.95 |
| Sharpe Ratio 12m | 1.58 |
| Alpha | 14.31 |
| Beta | 0.867 |
| Volatility | 24.26% |
| Current Volume | 4112.5k |
| Average Volume 20d | 3765.4k |
| Stop Loss | 6.5 (-3.3%) |
| Signal | 0.59 |
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income (-71.5m TTM) > 0 and > 6% of Revenue (6% = 949.9m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 (>3.0%) and CFO 864.0m > Net Income -71.5m (YES >=105%, WARN >=100%) |
| Net Debt (1.31b) to EBITDA (123.0m) ratio: 10.66 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (1.63b) change vs 12m ago -27.12% (target <= -2.0% for YES) |
| Gross Margin -19.15% (prev 184.8%; Δ -203.9pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.46% (prev -3.99%; Δ 8.44pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -2.49 (EBITDA TTM 123.0m / Interest Expense TTM 106.0m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 49.52
| 1. Piotroski 1.0pt = -4.0 |
| 2. FCF Yield 6.55% = 3.28 |
| 3. FCF Margin 5.05% = 1.26 |
| 4. Debt/Equity 0.52 = 2.37 |
| 5. Debt/Ebitda 38.85 = -2.50 |
| 6. ROIC - WACC data missing |
| 7. RoE -0.78% = -0.13 |
| 8. Rev. Trend 4.11% = 0.21 |
| 9. Rev. CAGR -30.96% = -2.50 |
| 10. EPS Trend 61.36% = 1.53 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of AGN shares?
Over the past week, the price has changed by -1.95%, over one month by +6.63%, over three months by +10.87% and over the past year by +29.13%.
Is Aegon a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AGN is around 7.97 EUR . This means that AGN is currently undervalued and has a potential upside of +18.6% (Margin of Safety).
Is AGN a buy, sell or hold?
What are the forecasts/targets for the AGN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 6.8 | 0.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 8.9 | 33% |
AGN Fundamental Data Overview
Market Cap EUR = 10.88b (10.88b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 3.47b EUR (Cash only, last quarter)
P/E Trailing = 18.7243
P/E Forward = 8.2508
P/S = 0.8473
P/B = 1.098
P/EG = 14.2828
Beta = 0.895
Revenue TTM = 15.83b EUR
EBIT TTM = -264.0m EUR
EBITDA TTM = 123.0m EUR
Long Term Debt = 4.74b EUR (from longTermDebt, last quarter)
Short Term Debt = 37.0m EUR (from shortLongTermDebt, last quarter)
Debt = 4.78b EUR (Calculated: Short Term 37.0m + Long Term 4.74b)
Net Debt = 1.31b EUR (from netDebt column, last quarter)
Enterprise Value = 12.19b EUR (10.88b + Debt 4.78b - CCE 3.47b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
FCF Yield = 6.55% (FCF TTM 799.0m / Enterprise Value 12.19b)
FCF Margin = 5.05% (FCF TTM 799.0m / Revenue TTM 15.83b)
Net Margin = -0.45% (Net Income TTM -71.5m / Revenue TTM 15.83b)
Gross Margin = -19.15% ((Revenue TTM 15.83b - Cost of Revenue TTM 18.86b) / Revenue TTM)
Tobins Q-Ratio = 2.80 (Enterprise Value 12.19b / Book Value Of Equity 4.35b)
Interest Expense / Debt = 2.22% (Interest Expense 106.0m / Debt 4.78b)
Taxrate = -2.42% (set to none) (from yearly Tax Provision: -16.0m / 660.0m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = 0.52 (Debt 4.78b / last Quarter total Stockholder Equity 9.19b)
Debt / EBITDA = 38.85 (Net Debt 1.31b / EBITDA 123.0m)
Debt / FCF = 5.98 (Debt 4.78b / FCF TTM 799.0m)
Total Stockholder Equity = 9.13b (last 4 quarters mean)
RoA = -0.02% (Net Income -71.5m, Total Assets 327.39b )
RoE = -0.78% (Net Income TTM -71.5m / Total Stockholder Equity 9.13b)
RoCE = -1.90% (Ebit -264.0m / (Equity 9.13b + L.T.Debt 4.74b))
RoIC = unknown (NOPAT none, Invested Capital 13.54b, Ebit -264.0m)
WACC = unknown (E(10.88b)/V(15.66b) * Re(9.21%)) + (D(4.78b)/V(15.66b) * Rd(2.22%) * (1-Tc(none)))
Shares Correlation 5-Years: -70.0 | Cagr: -2.88%
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.36% ; FCFE base≈1.58b ; Y1≈1.04b ; Y5≈474.6m
Fair Price DCF = 4.97 (DCF Value 7.75b / Shares Outstanding 1.56b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 4.11 | Revenue CAGR: -30.96%
Rev Growth-of-Growth: 177.9
EPS Correlation: 61.36 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -33.83