(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 | 12,074m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1985-07-01 |
AEG Stock Ratings
| Growth Rating | 90.5% |
| Fundamental | 57.6% |
| Dividend Rating | 77.4% |
| Return 12m vs S&P 500 | 6.20% |
| Analyst Rating | 4.0 of 5 |
AEG Dividends
| Dividend Yield 12m | 5.96% |
| Yield on Cost 5y | 19.76% |
| Annual Growth 5y | 9.36% |
| Payout Consistency | 78.6% |
| Payout Ratio | 58.8% |
AEG Growth Ratios
| Growth Correlation 3m | 77.3% |
| Growth Correlation 12m | 84.6% |
| Growth Correlation 5y | 90.4% |
| CAGR 5y | 27.65% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.04 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.97 |
| Sharpe Ratio 12m | 2.25 |
| Alpha | 7.81 |
| Beta | 0.931 |
| Volatility | 25.51% |
| Current Volume | 3399k |
| Average Volume 20d | 4168.5k |
| Stop Loss | 7.1 (-3.9%) |
| Signal | -0.38 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| 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 3.11 (EBITDA TTM 3.78b / Interest Expense TTM 226.0m) >= 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 |
| (C) 0.00 = EBIT TTM 702.5m / Avg Total Assets 306.11b |
| (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) 57.64
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -1.30% = -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 (= -2.09)% = -2.61 |
| 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?
Over the past week, the price has changed by -4.77%, over one month by -6.57%, over three months by +6.81% and over the past year by +23.64%.
Is Aegon a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AEG is around 8.78 USD . This means that AEG is currently undervalued and has a potential upside of +18.81% (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 | 10% |
| Analysts Target Price | 8.1 | 10% |
| ValueRay Target Price | 9.6 | 30.4% |
Last update: 2025-10-20 02:08
AEG Fundamental Data Overview
P/E Trailing = 8.0879
P/E Forward = 8.2508
P/S = 0.9241
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 = -39.07b EUR (10.35b + Debt 4.27b - CCE 53.68b)
Interest Coverage Ratio = 3.11 (Ebit TTM 702.5m / Interest Expense TTM 226.0m)
FCF Yield = -1.30% (FCF TTM 509.0m / Enterprise Value -39.07b)
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 -39.07b / Total Assets 310.63b)
Interest Expense / Debt = 0.14% (Interest Expense 6.00m / 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 = 6.73% (E(10.35b)/V(14.62b) * Re(9.45%) + D(4.27b)/V(14.62b) * Rd(0.14%) * (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
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Fund Manager Positions: Dataroma | Stockcircle