(AGN) Aegon - Ratings and Ratios
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: BMG0112X1056
Insurance, Pensions, Annuities, Asset Management, Mortgages
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.81% |
| Yield on Cost 5y | 14.13% |
| Yield CAGR 5y | 28.36% |
| Payout Consistency | 82.8% |
| Payout Ratio | 47.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 29.1% |
| Value at Risk 5%th | 44.4% |
| Relative Tail Risk | -7.22% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.63 |
| Alpha | 13.84 |
| CAGR/Max DD | 0.63 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.418 |
| Beta | 0.262 |
| Beta Downside | 0.607 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.97% |
| Mean DD | 6.14% |
| Median DD | 4.80% |
Description: AGN Aegon January 06, 2026
Aegon NV (AS:AGN) is a Dutch-based multinational insurer and asset manager operating in the Americas, the Netherlands, the United Kingdom and other markets. It offers a broad suite of products-including life, accident, property-casualty, health insurance, annuities, retirement plans, mutual funds, mortgage loans and digital savings-under the Transamerica and World Financial Group brands.
Key recent metrics: Aegon reported €2.5 bn of total assets under management (AUM) in 2023, with a combined ratio of 96.8% in its property-casualty segment, indicating underwriting profitability. The firm’s return on equity (ROE) hovered around 6.5% in 2023, modestly above the European multi-line insurance sector average of ~5.8%. A primary driver for Aegon’s outlook is the low-interest-rate environment, which compresses investment yields on its large fixed-income portfolios, while demographic aging in its core markets supports demand for retirement and annuity products.
For a deeper, data-rich assessment of Aegon’s valuation dynamics, you might explore the company’s profile on ValueRay.
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) 50.33
| 1. Piotroski 2.0pt |
| 2. FCF Yield 7.05% |
| 3. FCF Margin 5.05% |
| 4. Debt/Equity 0.47 |
| 5. Debt/Ebitda 8.68 |
| 7. RoE -0.79% |
| 8. Rev. Trend -5.42% |
| 9. EPS Trend -16.25% |
What is the price of AGN shares?
As of January 09, 2026, the stock is trading at EUR 6.74 with a total of 8,089,690 shares traded.
Over the past week, the price has changed by +1.51%, over one month by -2.15%, over three months by +0.06% and over the past year by +22.61%.
Over the past week, the price has changed by +1.51%, over one month by -2.15%, over three months by +0.06% and over the past year by +22.61%.
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 | 7.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 8 | 18.7% |
AGN Fundamental Data Overview January 07, 2026
Market Cap USD = 11.94b (10.22b EUR * 1.1677 EUR.USD)
Market Cap EUR = 10.22b (10.22b EUR * 1.0 EUR.EUR)
P/E Trailing = 8.6615
P/E Forward = 7.764
P/S = 0.7823
P/B = 1.0848
P/EG = 14.2828
Beta = 0.659
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 = 11.33b EUR (10.22b + Debt 4.30b - CCE 3.20b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
FCF Yield = 7.05% (FCF TTM 799.0m / Enterprise Value 11.33b)
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 11.33b / 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 = 4.91% (E(10.22b)/V(14.53b) * Re(6.98%) + (debt cost/tax rate unavailable))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -15.40%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1.58b ; Y1≈1.04b ; Y5≈474.6m
Fair Price DCF = 6.20 (DCF Value 9.33b / Shares Outstanding 1.50b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -16.25 | EPS CAGR: 9.07% | SUE: 0.0 | # QB: 0
Revenue Correlation: -5.42 | Revenue CAGR: -49.06% | SUE: 0.38 | # QB: 0
EPS next Year (2026-12-31): EPS=0.89 | Chg30d=-0.008 | Revisions Net=+0 | Growth EPS=+6.4% | Growth Revenue=+2.0%
Market Cap EUR = 10.22b (10.22b EUR * 1.0 EUR.EUR)
P/E Trailing = 8.6615
P/E Forward = 7.764
P/S = 0.7823
P/B = 1.0848
P/EG = 14.2828
Beta = 0.659
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 = 11.33b EUR (10.22b + Debt 4.30b - CCE 3.20b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
FCF Yield = 7.05% (FCF TTM 799.0m / Enterprise Value 11.33b)
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 11.33b / 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 = 4.91% (E(10.22b)/V(14.53b) * Re(6.98%) + (debt cost/tax rate unavailable))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -15.40%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1.58b ; Y1≈1.04b ; Y5≈474.6m
Fair Price DCF = 6.20 (DCF Value 9.33b / Shares Outstanding 1.50b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -16.25 | EPS CAGR: 9.07% | SUE: 0.0 | # QB: 0
Revenue Correlation: -5.42 | Revenue CAGR: -49.06% | SUE: 0.38 | # QB: 0
EPS next Year (2026-12-31): EPS=0.89 | Chg30d=-0.008 | Revisions Net=+0 | Growth EPS=+6.4% | Growth Revenue=+2.0%