(AEG) Aegon - Overview
Stock: Insurance, Pensions, Retirement, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.21% |
| Yield on Cost 5y | 13.15% |
| Yield CAGR 5y | 27.67% |
| Payout Consistency | 78.9% |
| Payout Ratio | 122.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.2% |
| Relative Tail Risk | -1.90% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.82 |
| Alpha | 15.69 |
| Character TTM | |
|---|---|
| Beta | 0.850 |
| Beta Downside | 0.989 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.65% |
| CAGR/Max DD | 0.73 |
Description: AEG Aegon January 03, 2026
Aegon NV (NYSE:AEG) is a multinational insurer and asset manager headquartered in The Hague. It operates across the Americas, the Netherlands, the United Kingdom, and other international markets, offering life, accident, property-and-casualty, and health insurance, as well as retirement solutions such as annuities and pension plans. The firm also provides asset-management services-including mutual funds, stable-value products, and institutional investment solutions-under the Transamerica and World Financial Group brands.
Key corporate facts: Aegon trades as a common stock (ticker AEG) and is classified in the GICS sub-industry “Life & Health Insurance.” The company was founded in 1844 and remains a Dutch-origin entity.
Recent performance indicators (as of Q4 2023) show a combined ratio of 96.2% in its life-and-health segment, indicating underwriting profitability, while the asset-management arm reported a 5.4% year-over-year increase in net inflows, driven by rising demand for retirement-focused funds. Core economic drivers include low-interest-rate environments that pressure traditional life-insurance margins, and demographic aging trends that boost demand for annuities and pension products. The broader insurance sector is also feeling the impact of heightened cyber-risk exposure, prompting higher reinsurance costs.
For a deeper, data-driven assessment of AEG’s valuation and risk profile, consider exploring the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 1.25b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.10 > 1.0 |
| NWC/Revenue: 78.26% < 20% (prev 20.25%; Δ 58.02% < -1%) |
| CFO/TA 0.00 > 3% & CFO 586.0m > Net Income 1.25b |
| Net Debt (1.07b) to EBITDA (3.78b): 0.28 < 3 |
| Current Ratio: 4.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.58b) vs 12m ago -9.72% < -2% |
| Gross Margin: 43.43% > 18% (prev -0.12%; Δ 4355 % > 0.5%) |
| Asset Turnover: 9.60% > 50% (prev 5.25%; Δ 4.35% > 0%) |
| Interest Coverage Ratio: 1.75 > 6 (EBITDA TTM 3.78b / Interest Expense TTM 402.0m) |
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 702.5m / Avg Total Assets 306.11b) |
| D: 0.00 (Book Value of Equity 447.0m / Total Liabilities 301.25b) |
| Altman-Z'' Score: 0.55 = B |
Beneish M -2.81
| DSRI: 0.58 (Receivables 3.83b/3.57b, Revenue 29.40b/15.83b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.91 (AQ_t 0.90 / AQ_t-1 0.99) |
| SGI: 1.86 (Revenue 29.40b / 15.83b) |
| TATA: 0.00 (NI 1.25b - CFO 586.0m) / TA 310.63b) |
| Beneish M-Score: -2.81 (Cap -4..+1) = A |
What is the price of AEG shares?
Over the past week, the price has changed by +1.16%, over one month by -0.13%, over three months by +3.55% and over the past year by +27.04%.
Is AEG a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AEG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.3 | 4.9% |
| Analysts Target Price | 8.3 | 4.9% |
| ValueRay Target Price | 9.9 | 26% |
AEG Fundamental Data Overview February 04, 2026
P/E Trailing = 8.5326
P/E Forward = 7.5586
P/S = 0.915
P/B = 1.0622
P/EG = 14.0924
Revenue TTM = 29.40b EUR
EBIT TTM = 702.5m EUR
EBITDA TTM = 3.78b 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 = 11.19b EUR (10.13b + Debt 4.27b - CCE 3.20b)
Interest Coverage Ratio = 1.75 (Ebit TTM 702.5m / Interest Expense TTM 402.0m)
EV/FCF = 21.99x (Enterprise Value 11.19b / FCF TTM 509.0m)
FCF Yield = 4.55% (FCF TTM 509.0m / Enterprise Value 11.19b)
FCF Margin = 1.73% (FCF TTM 509.0m / Revenue TTM 29.40b)
Net Margin = 4.24% (Net Income TTM 1.25b / 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 = 0.04 (Enterprise Value 11.19b / Total Assets 310.63b)
Interest Expense / Debt = 4.12% (Interest Expense 176.0m / Debt 4.27b)
Taxrate = 10.64% (72.0m / 677.0m)
NOPAT = 627.8m (EBIT 702.5m * (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 = 0.28 (Net Debt 1.07b / EBITDA 3.78b)
Debt / FCF = 2.10 (Net Debt 1.07b / FCF TTM 509.0m)
Total Stockholder Equity = 8.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.41% (Net Income 1.25b / Total Assets 310.63b)
RoE = 14.07% (Net Income TTM 1.25b / Total Stockholder Equity 8.86b)
RoCE = 5.35% (EBIT 702.5m / Capital Employed (Equity 8.86b + L.T.Debt 4.27b))
RoIC = 4.64% (NOPAT 627.8m / Invested Capital 13.54b)
WACC = 7.46% (E(10.13b)/V(14.39b) * Re(9.05%) + D(4.27b)/V(14.39b) * Rd(4.12%) * (1-Tc(0.11)))
Discount Rate = 9.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.99%
[DCF Debug] Terminal Value 72.77% ; FCFF base≈625.0m ; Y1≈410.3m ; Y5≈187.2m
Fair Price DCF = 1.98 (EV 4.05b - Net Debt 1.07b = Equity 2.98b / Shares 1.50b; r=7.46% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -11.32 | EPS CAGR: -26.56% | SUE: 0.0 | # QB: 0
Revenue Correlation: 22.74 | Revenue CAGR: -6.65% | SUE: 0.77 | # QB: 0
EPS next Year (2026-12-31): EPS=0.41 | Chg30d=N/A | Revisions Net=+0 | Growth EPS=-7.4% | Growth Revenue=+2.0%