Overview Dividends

(AEG) Aegon - Ratings and Ratios

Exchange: NYSE • Country: Netherlands • Currency: USD • Type: Common Stock • ISIN: US0076CA1045

Insurance, Pensions, Asset Management, Mortgages, Digital Savings

AEG EPS (Earnings per Share)

EPS Growth (3Y CAGR): 180.18%
EPS Trend (3Y Correlation): 16.8%

AEG Revenue

Revenue Growth (3Y CAGR): 29.04%
Revenue Trend (3Y Correlation): 74.9%

Description: AEG Aegon October 31, 2025

Aegon NV (NYSE: AEG) is a Dutch-based financial services group that operates in the Americas, the Netherlands, the United Kingdom, and other international markets. Through its Transamerica and World Financial Group brands, it offers a full suite of life, accident, property-and-casualty, and health insurance, as well as annuities, retirement plans, mutual funds, stable-value solutions, mortgage lending, digital savings, and both retail and institutional investment-management services.

Key recent metrics that shape Aegon’s outlook include a 2023 combined ratio of 97.6% in its life-and-health segment (indicating underwriting profitability), €332 billion in assets under management, and a net income of €1.7 billion, which was boosted by higher interest-rate spreads on its investment portfolio. The company’s earnings are particularly sensitive to the Euro-zone and U.S. interest-rate environment, as longer-duration assets generate more yield while also influencing policyholder behavior in retirement products.

If you want a data-rich, quantitative follow-up, consider checking ValueRay’s platform for deeper analytics on AEG’s valuation drivers and scenario modeling.

AEG Stock Overview

Market Cap in USD	12,098m
Sub-Industry	Life & Health Insurance
IPO / Inception	1985-07-01

AEG Stock Ratings

Growth Rating	89.3%
Fundamental	55.8%
Dividend Rating	77.0%
Return 12m vs S&P 500	5.53%
Analyst Rating	4.0 of 5

AEG Dividends

Dividend Yield 12m	5.80%
Yield on Cost 5y	17.42%
Annual Growth 5y	9.36%
Payout Consistency	78.6%
Payout Ratio	55.1%

AEG Growth Ratios

Growth Correlation 3m	8%
Growth Correlation 12m	87.9%
Growth Correlation 5y	90.5%
CAGR 5y	23.20%
CAGR/Max DD 3y (Calmar Ratio)	0.87
CAGR/Mean DD 3y (Pain Ratio)	4.09
Sharpe Ratio 12m	2.22
Alpha	8.94
Beta	0.931
Volatility	23.17%
Current Volume	6487k
Average Volume 20d	4527.3k
Stop Loss	7.3 (-3.9%)
Signal	-0.70

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (1.25b TTM) > 0 and > 6% of Revenue (6% = 1.76b TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 78.26% (prev 20.25%; Δ 58.02pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 586.0m <= Net Income 1.25b (YES >=105%, WARN >=100%)

Net Debt (1.07b) to EBITDA (3.78b) ratio: 0.28 <= 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 (1.58b) change vs 12m ago -9.72% (target <= -2.0% for YES)

Gross Margin 34.47% (prev 97.84%; Δ -63.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 9.60% (prev 5.25%; Δ 4.35pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.75 (EBITDA TTM 3.78b / Interest Expense TTM 402.0m) >= 6 (WARN >= 3)

Altman Z'' 0.55

(A) 0.07 = (Total Current Assets 30.33b - Total Current Liabilities 7.32b) / Total Assets 310.63b

(B) 0.01 = Retained Earnings (Balance) 4.08b / Total Assets 310.63b

(D) 0.00 = Book Value of Equity 447.0m / Total Liabilities 301.25b

Total Rating: 0.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 55.81

1. Piotroski 2.50pt = -2.50

2. FCF Yield -1.31% = -0.65

3. FCF Margin 1.73% = 0.43

4. Debt/Equity 0.46 = 2.40

5. Debt/Ebitda 0.28 = 2.44

6. ROIC - WACC (= -3.15)% = -3.93

7. RoE 14.07% = 1.17

8. Rev. Trend 74.91% = 5.62

9. EPS Trend 16.81% = 0.84

What is the price of AEG shares?

As of November 09, 2025, the stock is trading at USD 7.60 with a total of 6,487,026 shares traded.
Over the past week, the price has changed by +0.40%, over one month by -2.94%, over three months by +7.43% and over the past year by +20.33%.

Is Aegon a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Aegon is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 55.81 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AEG is around 8.69 USD . This means that AEG is currently undervalued and has a potential upside of +14.34% (Margin of Safety).

Is AEG a buy, sell or hold?

Aegon has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AEG.

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	7%
Analysts Target Price	8.1	7%
ValueRay Target Price	9.6	26.7%

AEG Fundamental Data Overview November 04, 2025

Market Cap EUR = 10.51b (12.10b USD * 0.8687 USD.EUR)
P/E Trailing = 8.4111
P/E Forward = 8.2508
P/S = 0.9142
P/B = 1.1432
P/EG = 14.0924
Beta = 0.931
Revenue TTM = 29.40b EUR
EBIT TTM = 702.5m EUR
EBITDA TTM = 3.78b EUR
Long Term Debt = 4.27b EUR (from longTermDebt, last quarter)
Short Term Debt = 37.0m EUR (from shortTermDebt, last fiscal year)
Debt = 4.27b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.07b EUR (from netDebt column, last quarter)
Enterprise Value = -38.91b EUR (10.51b + Debt 4.27b - CCE 53.68b)
Interest Coverage Ratio = 1.75 (Ebit TTM 702.5m / Interest Expense TTM 402.0m)
FCF Yield = -1.31% (FCF TTM 509.0m / Enterprise Value -38.91b)
FCF Margin = 1.73% (FCF TTM 509.0m / Revenue TTM 29.40b)
Net Margin = 4.24% (Net Income TTM 1.25b / Revenue TTM 29.40b)
Gross Margin = 34.47% ((Revenue TTM 29.40b - Cost of Revenue TTM 19.26b) / Revenue TTM)
Gross Margin QoQ = 96.26% (prev -14.83%)
Tobins Q-Ratio = -0.13 (set to none) (Enterprise Value -38.91b / Total Assets 310.63b)
Interest Expense / Debt = 4.12% (Interest Expense 176.0m / Debt 4.27b)
Taxrate = 10.64% (72.0m / 677.0m)
NOPAT = 627.8m (EBIT 702.5m * (1 - 10.64%))
Current Ratio = 4.14 (Total Current Assets 30.33b / Total Current Liabilities 7.32b)
Debt / Equity = 0.46 (Debt 4.27b / totalStockholderEquity, last quarter 9.26b)
Debt / EBITDA = 0.28 (Net Debt 1.07b / EBITDA 3.78b)
Debt / FCF = 2.10 (Net Debt 1.07b / FCF TTM 509.0m)
Total Stockholder Equity = 8.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.40% (Net Income 1.25b / Total Assets 310.63b)
RoE = 14.07% (Net Income TTM 1.25b / Total Stockholder Equity 8.86b)
RoCE = 5.35% (EBIT 702.5m / Capital Employed (Equity 8.86b + L.T.Debt 4.27b))
RoIC = 4.64% (NOPAT 627.8m / Invested Capital 13.54b)
WACC = 7.78% (E(10.51b)/V(14.78b) * Re(9.45%) + D(4.27b)/V(14.78b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 9.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.99%
[DCF Debug] Terminal Value 64.37% ; FCFE base≈625.0m ; Y1≈410.3m ; Y5≈187.7m
Fair Price DCF = 1.89 (DCF Value 2.96b / Shares Outstanding 1.57b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 16.81 | EPS CAGR: 180.2% | SUE: 0.0 | # QB: 0
Revenue Correlation: 74.91 | Revenue CAGR: 29.04% | SUE: 0.77 | # QB: 0

Additional Sources for AEG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle