(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 | 6.16% |
| Yield on Cost 5y | 14.67% |
| Yield CAGR 5y | 28.36% |
| Payout Consistency | 82.8% |
| Payout Ratio | 47.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 26.2% |
| Value at Risk 5%th | 39.9% |
| Relative Tail Risk | -7.34% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.37 |
| Alpha | 4.91 |
| CAGR/Max DD | 0.58 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.403 |
| Beta | 0.261 |
| Beta Downside | 0.601 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.52% |
| Mean DD | 6.05% |
| Median DD | 4.75% |
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 |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.66 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 > 3% & CFO 864.0m > Net Income -71.5m |
| Net Debt (1.07b) to EBITDA (123.0m): 8.68 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.57b) vs 12m ago -14.60% < -2% |
| Gross Margin: 100.0% > 18% (prev 1.0%; Δ 9900 % > 0.5%) |
| Asset Turnover: 5.17% > 50% (prev 7.59%; Δ -2.42% > 0%) |
| Interest Coverage Ratio: -2.49 > 6 (EBITDA TTM 123.0m / Interest Expense TTM 106.0m) |
ValueRay F-Score (Strict, 0-100) 41.85
| 1. Piotroski: 2.0pt |
| 2. FCF Yield: 7.16% |
| 3. FCF Margin: 5.05% |
| 4. Debt/Equity: 0.47 |
| 5. Debt/Ebitda: 8.68 |
| 6. ROIC - WACC: -6.83% |
| 7. RoE: -0.79% |
| 8. Revenue Trend: -5.42% |
| 9. EPS Trend: -16.25% |
What is the price of AGN shares?
As of January 23, 2026, the stock is trading at EUR 6.61 with a total of 7,878,683 shares traded.
Over the past week, the price has changed by -1.81%, over one month by +0.64%, over three months by +3.54% and over the past year by +12.33%.
Over the past week, the price has changed by -1.81%, over one month by +0.64%, over three months by +3.54% and over the past year by +12.33%.
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 | 7.2 | 9.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 7.8 | 17.4% |
AGN Fundamental Data Overview January 20, 2026
Market Cap USD = 11.73b (10.05b EUR * 1.1673 EUR.USD)
P/E Trailing = 8.5154
P/E Forward = 7.77
P/S = 0.7691
P/B = 1.0855
P/EG = 14.2828
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 = 11.15b EUR (10.05b + Debt 4.30b - CCE 3.20b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
EV/FCF = 13.96x (Enterprise Value 11.15b / FCF TTM 799.0m)
FCF Yield = 7.16% (FCF TTM 799.0m / Enterprise Value 11.15b)
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 = 100.0% ((Revenue TTM 15.83b - Cost of Revenue TTM 0.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.04 (Enterprise Value 11.15b / Total Assets 310.63b)
Interest Expense / Debt = 2.46% (Interest Expense 106.0m / Debt 4.30b)
Taxrate = 25.0% (EU avg default 25%)
NOPAT = -198.0m (EBIT -264.0m * (1 - 25.00%)) [loss with tax shield]
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 = -1.46% (negative operating profit) (NOPAT -198.0m / Invested Capital 13.54b)
WACC = 5.37% (E(10.05b)/V(14.35b) * Re(6.88%) + D(4.30b)/V(14.35b) * Rd(2.46%) * (1-Tc(0.25)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -15.40%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.58b ; Y1≈1.04b ; Y5≈473.4m
Fair Price DCF = 9.32 (EV 15.08b - Net Debt 1.07b = Equity 14.02b / Shares 1.50b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
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=0.88 | Chg30d=-0.009 | Revisions Net=+0 | Growth EPS=+4.8% | Growth Revenue=+2.0%
P/E Trailing = 8.5154
P/E Forward = 7.77
P/S = 0.7691
P/B = 1.0855
P/EG = 14.2828
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 = 11.15b EUR (10.05b + Debt 4.30b - CCE 3.20b)
Interest Coverage Ratio = -2.49 (Ebit TTM -264.0m / Interest Expense TTM 106.0m)
EV/FCF = 13.96x (Enterprise Value 11.15b / FCF TTM 799.0m)
FCF Yield = 7.16% (FCF TTM 799.0m / Enterprise Value 11.15b)
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 = 100.0% ((Revenue TTM 15.83b - Cost of Revenue TTM 0.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.04 (Enterprise Value 11.15b / Total Assets 310.63b)
Interest Expense / Debt = 2.46% (Interest Expense 106.0m / Debt 4.30b)
Taxrate = 25.0% (EU avg default 25%)
NOPAT = -198.0m (EBIT -264.0m * (1 - 25.00%)) [loss with tax shield]
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 = -1.46% (negative operating profit) (NOPAT -198.0m / Invested Capital 13.54b)
WACC = 5.37% (E(10.05b)/V(14.35b) * Re(6.88%) + D(4.30b)/V(14.35b) * Rd(2.46%) * (1-Tc(0.25)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -15.40%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.58b ; Y1≈1.04b ; Y5≈473.4m
Fair Price DCF = 9.32 (EV 15.08b - Net Debt 1.07b = Equity 14.02b / Shares 1.50b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
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=0.88 | Chg30d=-0.009 | Revisions Net=+0 | Growth EPS=+4.8% | Growth Revenue=+2.0%