(AEG) Aegon - Ratings and Ratios
Insurance, Pensions, Annuities, Mutual Funds, Asset Management
AEG EPS (Earnings per Share)
AEG Revenue
Description: AEG Aegon
Aegon NV ADR (NYSE:AEG) is a multinational insurance, pensions, and asset management company operating globally, with a presence in the Americas, the Netherlands, the UK, and other international markets. The company offers a diverse range of financial products and services, including life insurance, annuities, retirement plans, and investment management solutions, under well-known brands such as Transamerica and World Financial Group.
From a financial perspective, AEG has a market capitalization of approximately $11 billion USD, indicating a significant presence in the global insurance and financial services industry. The companys price-to-earnings (P/E) ratio is around 16.44, suggesting a moderate valuation relative to its earnings. Additionally, the forward P/E ratio is 7.79, indicating potential for earnings growth. The return on equity (RoE) is 7.85%, which is a respectable metric, although it may be considered relatively modest compared to some peers.
To further analyze AEGs performance, we can examine other key performance indicators (KPIs). For instance, the companys dividend yield is an important metric for income-seeking investors. As an insurance company, AEGs solvency ratio and capital adequacy are also crucial in assessing its financial stability and ability to meet long-term obligations. Furthermore, the companys asset under management (AUM) and revenue growth can provide insights into its overall business performance and competitiveness in the market.
Given the current market conditions and AEGs financials, a thorough analysis of its competitive positioning, management team, and industry trends would be necessary to determine the companys potential for long-term growth and profitability. This would involve examining factors such as the companys market share, product offerings, and distribution channels, as well as its ability to adapt to changing regulatory requirements and market dynamics.
AEG Stock Overview
| Market Cap in USD | 12,516m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1985-07-01 |
AEG Stock Ratings
| Growth Rating | 87.3% |
| Fundamental | 53.7% |
| Dividend Rating | 80.9% |
| Return 12m vs S&P 500 | 16.1% |
| Analyst Rating | 4.0 of 5 |
AEG Dividends
| Dividend Yield 12m | 5.64% |
| Yield on Cost 5y | 18.09% |
| Annual Growth 5y | 7.42% |
| Payout Consistency | 77.7% |
| Payout Ratio | 101.8% |
AEG Growth Ratios
| Growth Correlation 3m | 82% |
| Growth Correlation 12m | 76.5% |
| Growth Correlation 5y | 90.5% |
| CAGR 5y | 29.04% |
| CAGR/Max DD 5y | 0.79 |
| Sharpe Ratio 12m | 2.34 |
| Alpha | 17.77 |
| Beta | 1.031 |
| Volatility | 23.38% |
| Current Volume | 3727.3k |
| Average Volume 20d | 4158.8k |
| Stop Loss | 7.5 (-3.7%) |
| Signal | -0.43 |
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income (699.0m TTM) > 0 and > 6% of Revenue (6% = 956.9m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 144.3% (prev 9.63%; Δ 134.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 987.0m > Net Income 699.0m (YES >=105%, WARN >=100%) |
| Net Debt (1.53b) to EBITDA (893.0m) ratio: 1.71 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (2.01b) change vs 12m ago 9.53% (target <= -2.0% for YES) |
| Gross Margin -18.27% (prev 79.98%; Δ -98.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.07% (prev 11.04%; Δ -5.96pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.09 (EBITDA TTM 893.0m / Interest Expense TTM 678.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.52
| (A) 0.07 = (Total Current Assets 30.33b - Total Current Liabilities 7.32b) / Total Assets 327.39b |
| (B) 0.01 = Retained Earnings (Balance) 4.35b / Total Assets 327.39b |
| (C) 0.00 = EBIT TTM 739.0m / Avg Total Assets 314.49b |
| (D) 0.00 = Book Value of Equity 761.0m / Total Liabilities 318.08b |
| Total Rating: 0.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 53.74
| 1. Piotroski 1.50pt = -3.50 |
| 2. FCF Yield 6.59% = 3.29 |
| 3. FCF Margin 5.59% = 1.40 |
| 4. Debt/Equity 0.52 = 2.37 |
| 5. Debt/Ebitda 5.35 = -2.50 |
| 6. ROIC - WACC 0.25% = 0.31 |
| 7. RoE 7.85% = 0.65 |
| 8. Rev. Trend 54.85% = 2.74 |
| 9. Rev. CAGR -26.54% = -2.50 |
| 10. EPS Trend 58.75% = 1.47 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of AEG shares?
Over the past week, the price has changed by -2.14%, over one month by +7.75%, over three months by +12.78% and over the past year by +35.81%.
Is Aegon a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AEG is around 9.11 USD . This means that AEG is currently undervalued and has a potential upside of +16.94% (Margin of Safety).
Is AEG a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AEG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.1 | 4.4% |
| Analysts Target Price | 6.9 | -11.3% |
| ValueRay Target Price | 10.3 | 32% |
Last update: 2025-08-23 02:47
AEG Fundamental Data Overview
CCE Cash And Equivalents = 1.99b EUR (last quarter)
P/E Trailing = 18.6744
P/E Forward = 8.8417
P/S = 0.9748
P/B = 1.1767
P/EG = 14.0924
Beta = 0.895
Revenue TTM = 15.95b EUR
EBIT TTM = 739.0m EUR
EBITDA TTM = 893.0m EUR
Long Term Debt = 4.74b EUR (from longTermDebt, last quarter)
Short Term Debt = 37.0m EUR (from shortTermDebt, last quarter)
Debt = 4.78b EUR (Calculated: Short Term 37.0m + Long Term 4.74b)
Net Debt = 1.53b EUR (from netDebt column, last quarter)
Enterprise Value = 13.53b EUR (10.74b + Debt 4.78b - CCE 1.99b)
Interest Coverage Ratio = 1.09 (Ebit TTM 739.0m / Interest Expense TTM 678.0m)
FCF Yield = 6.59% (FCF TTM 891.5m / Enterprise Value 13.53b)
FCF Margin = 5.59% (FCF TTM 891.5m / Revenue TTM 15.95b)
Net Margin = 4.38% (Net Income TTM 699.0m / Revenue TTM 15.95b)
Gross Margin = -18.27% ((Revenue TTM 15.95b - Cost of Revenue TTM 18.86b) / Revenue TTM)
Tobins Q-Ratio = 17.78 (Enterprise Value 13.53b / Book Value Of Equity 761.0m)
Interest Expense / Debt = 0.13% (Interest Expense 6.00m / Debt 4.78b)
Taxrate = -2.42% (set to none) (from yearly Income Tax Expense: -16.0m / 660.0m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 4.14 (Total Current Assets 30.33b / Total Current Liabilities 7.32b)
Debt / Equity = 0.52 (Debt 4.78b / last Quarter total Stockholder Equity 9.19b)
Debt / EBITDA = 5.35 (Net Debt 1.53b / EBITDA 893.0m)
Debt / FCF = 5.36 (Debt 4.78b / FCF TTM 891.5m)
Total Stockholder Equity = 8.90b (last 4 quarters mean)
RoA = 0.21% (Net Income 699.0m, Total Assets 327.39b )
RoE = 7.85% (Net Income TTM 699.0m / Total Stockholder Equity 8.90b)
RoCE = 5.42% (Ebit 739.0m / (Equity 8.90b + L.T.Debt 4.74b))
RoIC = 0.25% (Ebit 739.0m / (Assets 327.39b - Current Assets 30.33b))
WACC = unknown (E(10.74b)/V(15.52b) * Re(9.81%)) + (D(4.78b)/V(15.52b) * Rd(0.13%) * (1-Tc(none)))
Shares Correlation 5-Years: -70.0 | Cagr: -6.26%
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 62.91% ; FCFE base≈1.25b ; Y1≈822.3m ; Y5≈376.1m
Fair Price DCF = 3.63 (DCF Value 5.66b / Shares Outstanding 1.56b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 54.85 | Revenue CAGR: -26.54%
Rev Growth-of-Growth: -96.13
EPS Correlation: 58.75 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -39.28
Additional Sources for AEG Stock
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