(AGN) Aegon - Overview
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: BMG0112X1056
Stock: Insurance, Pensions, Investments, Mortgages
Total Rating 30
Risk 56
Buy Signal -0.80
| Risk 5d forecast | |
|---|---|
| Volatility | 31.0% |
| Relative Tail Risk | -9.07% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.55 |
| Alpha | -1.52 |
| Character TTM | |
|---|---|
| Beta | 0.892 |
| Beta Downside | 1.061 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.76% |
| CAGR/Max DD | 1.05 |
EPS (Earnings per Share)
Revenue
Description: AGN Aegon March 05, 2026
Aegon N.V. (AGN) is a multi-national financial services company. It offers a diverse range of insurance, pension, and asset management products.
The company operates across the Americas, Europe, and internationally, utilizing brands such as Transamerica. The insurance sector is characterized by long-term liabilities and significant regulatory oversight.
Aegons business model includes both underwriting risk through insurance products and managing investments for clients. Asset management typically involves fee-based revenue streams, while insurance relies on premiums and investment income.
For further analysis, ValueRay provides detailed financial data and historical performance metrics.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 1.27b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: 78.26% < 20% (prev 20.25%; Δ 58.02% < -1%) |
| CFO/TA 0.00 > 3% & CFO 1.44b > Net Income 1.27b |
| Net Debt (1.07b) to EBITDA (4.46b): 0.24 < 3 |
| Current Ratio: 4.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.58b) vs 12m ago -13.81% < -2% |
| Gross Margin: 43.43% > 18% (prev 0.58%; Δ 4285 % > 0.5%) |
| Asset Turnover: 9.60% > 50% (prev 5.25%; Δ 4.35% > 0%) |
| Interest Coverage Ratio: 1.88 > 6 (EBITDA TTM 4.46b / Interest Expense TTM 355.0m) |
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 4.08b / Total Assets 310.63b) |
| C: 0.00 (EBIT TTM 666.0m / Avg Total Assets 306.11b) |
| D: 0.01 (Book Value of Equity 2.40b / Total Liabilities 301.25b) |
| Altman-Z'' Score: 0.55 = B |
Beneish M -2.51
| DSRI: 0.58 (Receivables 3.83b/3.57b, Revenue 29.40b/15.83b) |
| GMI: 1.33 (GM 43.43% / 57.92%) |
| AQI: 0.91 (AQ_t 0.90 / AQ_t-1 0.99) |
| SGI: 1.86 (Revenue 29.40b / 15.83b) |
| TATA: -0.00 (NI 1.27b - CFO 1.44b) / TA 310.63b) |
| Beneish M-Score: -2.51 (Cap -4..+1) = A |
What is the price of AGN shares?
As of March 06, 2026, the stock is trading at EUR 6.13 with a total of 6,227,509 shares traded.
Over the past week, the price has changed by -5.81%, over one month by -6.92%, over three months by -9.29% and over the past year by +11.66%.
Over the past week, the price has changed by -5.81%, over one month by -6.92%, over three months by -9.29% and over the past year by +11.66%.
Is AGN a buy, sell or hold?
Aegon has no consensus analysts rating.
What are the forecasts/targets for the AGN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 7.3 | 19.6% |
| Analysts Target Price | - | - |
AGN Fundamental Data Overview March 03, 2026
Market Cap USD = 11.32b (9.73b EUR * 1.1632 EUR.USD)
P/E Trailing = 8.2487
P/E Forward = 7.4794
P/S = 2.5817
P/B = 1.0513
P/EG = 14.2828
Revenue TTM = 29.40b EUR
EBIT TTM = 666.0m EUR
EBITDA TTM = 4.46b 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 = 10.80b EUR (9.73b + Debt 4.27b - CCE 3.20b)
Interest Coverage Ratio = 1.88 (Ebit TTM 666.0m / Interest Expense TTM 355.0m)
EV/FCF = -211.8x (Enterprise Value 10.80b / FCF TTM -51.0m)
FCF Yield = -0.47% (FCF TTM -51.0m / Enterprise Value 10.80b)
FCF Margin = -0.17% (FCF TTM -51.0m / Revenue TTM 29.40b)
Net Margin = 4.33% (Net Income TTM 1.27b / Revenue TTM 29.40b)
Gross Margin = 43.43% ((Revenue TTM 29.40b - Cost of Revenue TTM 16.63b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.03 (Enterprise Value 10.80b / Total Assets 310.63b)
Interest Expense / Debt = 4.12% (Interest Expense 176.0m / Debt 4.27b)
Taxrate = 10.64% (72.0m / 677.0m)
NOPAT = 595.2m (EBIT 666.0m * (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 = 0.24 (Net Debt 1.07b / EBITDA 4.46b)
Debt / FCF = -20.94 (negative FCF - burning cash) (Net Debt 1.07b / FCF TTM -51.0m)
Total Stockholder Equity = 8.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 1.27b / Total Assets 310.63b)
RoE = 14.36% (Net Income TTM 1.27b / Total Stockholder Equity 8.86b)
RoCE = 5.07% (EBIT 666.0m / Capital Employed (Equity 8.86b + L.T.Debt 4.27b))
RoIC = 4.40% (NOPAT 595.2m / Invested Capital 13.54b)
WACC = 7.52% (E(9.73b)/V(14.00b) * Re(9.20%) + D(4.27b)/V(14.00b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -7.16%
[DCF] Fair Price = unknown (Cash Flow -51.0m)
EPS Correlation: -16.56 | EPS CAGR: -54.46% | SUE: 0.0 | # QB: 0
Revenue Correlation: 22.74 | Revenue CAGR: -6.65% | SUE: 0.58 | # QB: 0
EPS current Year (2026-12-31): EPS=0.55 | Chg7d=-0.361 | Chg30d=-0.296 | Revisions Net=+0 | Growth EPS=-32.9% | Growth Revenue=+0.0%
EPS next Year (2027-12-31): EPS=1.01 | Chg7d=-0.025 | Chg30d=+0.071 | Revisions Net=-1 | Growth EPS=+83.9% | Growth Revenue=+1.2%
P/E Trailing = 8.2487
P/E Forward = 7.4794
P/S = 2.5817
P/B = 1.0513
P/EG = 14.2828
Revenue TTM = 29.40b EUR
EBIT TTM = 666.0m EUR
EBITDA TTM = 4.46b 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 = 10.80b EUR (9.73b + Debt 4.27b - CCE 3.20b)
Interest Coverage Ratio = 1.88 (Ebit TTM 666.0m / Interest Expense TTM 355.0m)
EV/FCF = -211.8x (Enterprise Value 10.80b / FCF TTM -51.0m)
FCF Yield = -0.47% (FCF TTM -51.0m / Enterprise Value 10.80b)
FCF Margin = -0.17% (FCF TTM -51.0m / Revenue TTM 29.40b)
Net Margin = 4.33% (Net Income TTM 1.27b / Revenue TTM 29.40b)
Gross Margin = 43.43% ((Revenue TTM 29.40b - Cost of Revenue TTM 16.63b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.03 (Enterprise Value 10.80b / Total Assets 310.63b)
Interest Expense / Debt = 4.12% (Interest Expense 176.0m / Debt 4.27b)
Taxrate = 10.64% (72.0m / 677.0m)
NOPAT = 595.2m (EBIT 666.0m * (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 = 0.24 (Net Debt 1.07b / EBITDA 4.46b)
Debt / FCF = -20.94 (negative FCF - burning cash) (Net Debt 1.07b / FCF TTM -51.0m)
Total Stockholder Equity = 8.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 1.27b / Total Assets 310.63b)
RoE = 14.36% (Net Income TTM 1.27b / Total Stockholder Equity 8.86b)
RoCE = 5.07% (EBIT 666.0m / Capital Employed (Equity 8.86b + L.T.Debt 4.27b))
RoIC = 4.40% (NOPAT 595.2m / Invested Capital 13.54b)
WACC = 7.52% (E(9.73b)/V(14.00b) * Re(9.20%) + D(4.27b)/V(14.00b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -7.16%
[DCF] Fair Price = unknown (Cash Flow -51.0m)
EPS Correlation: -16.56 | EPS CAGR: -54.46% | SUE: 0.0 | # QB: 0
Revenue Correlation: 22.74 | Revenue CAGR: -6.65% | SUE: 0.58 | # QB: 0
EPS current Year (2026-12-31): EPS=0.55 | Chg7d=-0.361 | Chg30d=-0.296 | Revisions Net=+0 | Growth EPS=-32.9% | Growth Revenue=+0.0%
EPS next Year (2027-12-31): EPS=1.01 | Chg7d=-0.025 | Chg30d=+0.071 | Revisions Net=-1 | Growth EPS=+83.9% | Growth Revenue=+1.2%