(AGN) Aegon - Ratings and Ratios
Insurance, Pensions, Retirement, Asset, Annuities
AGN EPS (Earnings per Share)
AGN Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.9% |
| Value at Risk 5%th | 32.7% |
| Relative Tail Risk | -5.17% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.72 |
| Alpha | 12.66 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.463 |
| Beta | 0.246 |
| Beta Downside | 0.537 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.97% |
| Mean DD | 6.00% |
| Median DD | 4.53% |
Description: AGN Aegon November 03, 2025
Aegon NV (AS:AGN) is a Dutch-based multinational insurer and asset manager operating across the Americas, the Netherlands, the United Kingdom, and other international markets. Its product suite spans life, accident, property-and-casualty, and health insurance; annuities, retirement plans, mutual funds, and stable-value solutions; as well as mortgage lending, digital savings platforms, and both retail and institutional investment management. The company’s brands include Transamerica in the U.S. and World Financial Group globally.
Key metrics as of Q3 2024 show a combined ratio of 94.2% in its core insurance business-indicating underwriting profitability-and a 5.6% year-over-year increase in assets under management (≈ €460 bn), driven largely by growth in the U.S. retirement segment. The firm’s earnings are sensitive to interest-rate movements; the recent 0.75 ppt rise in U.S. Treasury yields boosted investment income but also increased the cost of guaranteed products.
Sector-wide, the multi-line insurance industry is currently navigating higher claims frequency from climate-related events and a shift toward digital distribution channels, both of which pressure loss ratios and demand greater technology investment. Aegon’s strategic focus on expanding its digital savings and wealth-tech offerings aims to capture the projected €1.2 tn global market for fintech-enabled retirement solutions.
For a deeper, data-driven view of Aegon’s valuation dynamics and scenario analysis, the ValueRay platform offers a transparent, model-backed toolkit worth exploring.
AGN Stock Overview
| Market Cap in USD | 12,052m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | |
| Return 12m vs S&P 500 | 6.65% |
| Analyst Rating | - |
AGN Dividends
| Dividend Yield | 5.53% |
| Yield on Cost 5y | 16.45% |
| Yield CAGR 5y | 51.97% |
| Payout Consistency | 82.6% |
| Payout Ratio | 47.5% |
AGN Growth Ratios
| CAGR 3y | 21.58% |
| CAGR/Max DD Calmar Ratio | 0.80 |
| CAGR/Mean DD Pain Ratio | 3.59 |
| Current Volume | 7898.5k |
| Average Volume | 4430.8k |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-71.5m TTM) > 0 and > 6% of Revenue (6% = 949.9m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.66pp (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 (1.07b) to EBITDA (123.0m) ratio: 8.68 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (1.57b) change vs 12m ago -14.60% (target <= -2.0% for YES) |
| Gross Margin 79.26% (prev 40.30%; Δ 38.96pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.17% (prev 7.59%; Δ -2.42pp) >=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) 53.35
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 6.95% = 3.47 |
| 3. FCF Margin 5.05% = 1.26 |
| 4. Debt/Equity 0.47 = 2.39 |
| 5. Debt/Ebitda 8.68 = -2.50 |
| 7. RoE -0.79% = -0.13 |
| 8. Rev. Trend 14.75% = 1.11 |
| 9. EPS Trend 14.89% = 0.74 |
What is the price of AGN shares?
Over the past week, the price has changed by +3.68%, over one month by +1.96%, over three months by +10.41% and over the past year by +21.47%.
Is Aegon a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AGN is around 8.09 EUR . This means that AGN is currently undervalued and has a potential upside of +17.76% (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 | 7.1 | 3.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 8.8 | 28.2% |
AGN Fundamental Data Overview January 01, 1970
Market Cap EUR = 10.40b (10.40b EUR * 1.0 EUR.EUR)
P/E Trailing = 8.3821
P/E Forward = 8.2919
P/S = 0.7959
P/B = 1.1487
P/EG = 14.2828
Beta = 0.673
Revenue TTM = 15.83b EUR
EBIT TTM = -264.0m EUR
EBITDA TTM = 123.0m EUR
Long Term Debt = 4.27b EUR (from longTermDebt, last quarter)
Short Term Debt = 37.0m EUR (from shortLongTermDebt, last fiscal year)
Debt = 4.30b EUR (Calculated: Short Term 37.0m + Long Term 4.27b)
Net Debt = 1.07b EUR (from netDebt column, last quarter)
Enterprise Value = 11.50b EUR (10.40b + Debt 4.30b - CCE 3.20b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
FCF Yield = 6.95% (FCF TTM 799.0m / Enterprise Value 11.50b)
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 = 79.26% ((Revenue TTM 15.83b - Cost of Revenue TTM 3.28b) / Revenue TTM)
Gross Margin QoQ = 0.31% (prev 0.31%)
Tobins Q-Ratio = 0.04 (Enterprise Value 11.50b / Total Assets 310.63b)
Interest Expense / Debt = 2.46% (Interest Expense 106.0m / Debt 4.30b)
Taxrate = -68.29% (out of range, set to none) (70.0m / -102.5m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = unknown (Total Current Assets 53.68b / Total Current Liabilities none)
Debt / Equity = 0.47 (Debt 4.30b / totalStockholderEquity, last quarter 9.26b)
Debt / EBITDA = 8.68 (Net Debt 1.07b / EBITDA 123.0m)
Debt / FCF = 1.34 (Net Debt 1.07b / FCF TTM 799.0m)
Total Stockholder Equity = 9.09b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.02% (Net Income -71.5m / Total Assets 310.63b)
RoE = -0.79% (Net Income TTM -71.5m / Total Stockholder Equity 9.09b)
RoCE = -1.98% (EBIT -264.0m / Capital Employed (Equity 9.09b + L.T.Debt 4.27b))
RoIC = unknown (NOPAT none, Invested Capital 13.54b, EBIT -264.0m)
WACC = 6.01% (E(10.40b)/V(14.70b) * Re(8.50%) + (debt cost/tax rate unavailable))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -15.40%
[DCF Debug] Terminal Value 68.42% ; FCFE base≈1.58b ; Y1≈1.04b ; Y5≈474.6m
Fair Price DCF = 5.52 (DCF Value 8.64b / Shares Outstanding 1.57b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 14.89 | EPS CAGR: 28.67% | SUE: 0.0 | # QB: 0
Revenue Correlation: 14.75 | Revenue CAGR: -49.90% | SUE: 0.38 | # QB: 0