(AGN) Aegon - Overview

Sector: Financial Services | Industry: Insurance - Diversified | Exchange: AS (Netherlands) | Market Cap: 9.155m EUR | Total Return: 19.7% in 12m

Stock Insurance, Pensions, Investments, Mortgages
Total Rating 33
Safety 73
Buy Signal 0.22
Insurance - Diversified -1.1
Multi-line Insurance +0.5
Market Cap: 10,611m
Avg Trading Vol: 37.5M EUR
ATR: 2.67%
Peers RS (IBD): 50.0
Risk 5d forecast
Volatility26.3%
Rel. Tail Risk-6.45%
Reward TTM
Sharpe Ratio0.80
Alpha0.19
Character TTM
Beta0.884
Beta Downside0.831
Drawdowns 3y
Max DD22.76%
CAGR/Max DD0.99
EPS (Earnings per Share) EPS (Earnings per Share) of AGN over the last years for every Quarter: "2021-03": 0.18, "2021-06": 0.29, "2021-09": 0.26, "2021-12": 0.19, "2022-03": 0.19, "2022-06": 0.23, "2022-09": 0.18, "2022-12": 0.19, "2023-03": 0.18, "2023-06": 0.03, "2023-09": 0, "2023-12": 0, "2024-03": 0, "2024-06": 0, "2024-09": 0, "2024-12": 0.44, "2025-03": 0, "2025-06": 0.36, "2025-09": 0, "2025-12": null, "2026-03": 0,
EPS CAGR: -72.56%
EPS Trend: -19.9%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of AGN over the last years for every Quarter: 2021-03: 8611, 2021-06: 17501, 2021-09: 6269, 2021-12: 14915, 2022-03: -8679, 2022-06: -23265, 2022-09: -3896, 2022-12: 20558, 2023-03: 3378, 2023-06: 6235, 2023-09: 3109, 2023-12: 3109, 2024-03: 3226, 2024-06: 3226, 2024-09: null, 2024-12: 16293, 2025-03: null, 2025-06: 6653, 2025-09: null, 2025-12: null, 2026-03: null,
Rev. CAGR: -24.14%
Rev. Trend: 31.4%
Last SUE: 0.99
Qual. Beats: 1
Description: AGN Aegon

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.

Headlines to Watch Out For
  • Interest rate fluctuations impact annuity and pension product profitability
  • Regulatory changes in insurance and pensions affect compliance costs
  • Investment performance directly influences asset management fees
  • Mortality and longevity trends drive life insurance liabilities
  • Economic downturns reduce demand for retirement and investment products
Piotroski VR‑10 (Strict) 2.0
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: 103.2% < 20% (prev 20.25%; Δ 82.92% < -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: error (cannot be calculated; needs correct Total Current Assets and Liabilities)
Outstanding Shares: last quarter (1.58b) vs 12m ago -13.81% < -2%
Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin)
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'' 0.71
A: 0.10 (Total Current Assets 30.33b - Total Current Liabilities 0.0) / 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: 0.71 = B
Beneish M
DSRI: 0.49 (Receivables 3.47b/3.83b, Revenue 29.40b/15.83b)
GMI: 1.00 (fallback, negative margins)
AQI: none (AQ_t none / AQ_t-1 none)
SGI: 1.86 (Revenue 29.40b / 15.83b)
TATA: -0.00 (NI 1.27b - CFO 1.44b) / TA 310.63b)
Beneish M-Score: cannot calculate (missing components)
What is the price of AGN shares? As of April 05, 2026, the stock is trading at EUR 6.23 with a total of 9,026,925 shares traded.
Over the past week, the price has changed by +5.32%, over one month by +4.22%, over three months by -5.65% and over the past year by +19.67%.
Is AGN a buy, sell or hold? Aegon has no consensus analysts rating.
What are the forecasts/targets for the AGN price?
Wallstreet Target Price 7.3 16.4%
Analysts Target Price - -
AGN Fundamental Data Overview as of 04 April 2026
Market Cap USD = 10.61b (9.16b EUR * 1.159 EUR.USD)
P/E Trailing = 10.0867
P/E Forward = 7.0373
P/S = 2.4284
P/B = 0.9729
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, two quarters ago)
Debt = 4.27b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.07b EUR (from netDebt column, last quarter)
Enterprise Value = 10.22b EUR (9.16b + Debt 4.27b - CCE 3.20b)
Interest Coverage Ratio = 1.88 (Ebit TTM 666.0m / Interest Expense TTM 355.0m)
EV/FCF = -200.5x (Enterprise Value 10.22b / FCF TTM -51.0m)
FCF Yield = -0.50% (FCF TTM -51.0m / Enterprise Value 10.22b)
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 = unknown ((Revenue TTM 29.40b - Cost of Revenue TTM 0.0) / Revenue TTM)
 Tobins Q-Ratio = 0.03 (Enterprise Value 10.22b / 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 = unknown (Total Current Assets 30.33b / Total Current Liabilities 0.0)
 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 = 7.37% (E(9.16b)/V(13.42b) * Re(9.09%) + D(4.27b)/V(13.42b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -7.16%
 [DCF] Fair Price = unknown (Cash Flow -51.0m)
 EPS Correlation: -19.87 | EPS CAGR: -72.56% | SUE: 0.0 | # QB: 0
Revenue Correlation: 31.42 | Revenue CAGR: -24.14% | SUE: 0.99 | # QB: 1
EPS current Year (2026-12-31): EPS=0.94 | Chg7d=+0.128 | Chg30d=+0.385 | Revisions Net=-3 | Growth EPS=+14.0% | Growth Revenue=+12.2%
EPS next Year (2027-12-31): EPS=1.05 | Chg7d=+0.046 | Chg30d=+0.015 | Revisions Net=-3 | Growth EPS=+12.0% | Growth Revenue=+1.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 9.1% - Earnings Yield 9.9%)
[Growth] Growth Spread = +2.0% (Analyst 1.2% - Implied -0.8%)