AEG Financial ServicesBeta data

Aegon Ltd.

$8.21-0.12%

Price as of close on Nov 3, 2026 · Financials updated Oct 31, 2026

Basics

Sector: Financial Services
Industry: Insurance - Diversified
Country: Netherlands
Market cap: 12.0B USD
Full-time employees: 12,100

Overall health

Drawback: less profitable than most peersless profitable than peers
About average: valuation

Ranks #278 of 791 banks & insurance companies (top 36%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.
Fast revenue growth. Revenue grew 38% in the fiscal year to Dec 2025 vs the year before, faster than 91% of peers.
Revenue grew 38% in the fiscal year to Dec 2025 vs the year before, faster than 91% of its peers.

StockQuotient Score

57/ 100

Oct 31 57 → Nov 4 57

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

57/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield88.0%

Yahoo FinanceReported value40% base weight · Z-score 0.30Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.4%

Yahoo Finance · trailing 12 monthsReported value60% base weight · Z-score 0.20Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

85/100

Strong

1/1 inputs reported · High confidence

Since last quarter: ▼ Weaker

12-month revenue fell 15.3%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth59.5%

Yahoo Finance · fiscal year to Dec 2025Reported value100% base weight · Z-score 2.45Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growthUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth37.6%

Yahoo Finance · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

28/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.3%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -1.39Sector median: 0.0117 · MAD: 0.0062

Return on equity11.1%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 0.08Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Aegon

Is Aegon getting weaker?: Its latest SEC filing (Mar 26, 2026) was mixed: some things better, some worse: 12-month revenue fell 15.3%; debt down 79%.
How is Aegon valued vs its peers?: Priced about in line with its peers. Valuation scores 57/100 against 950 banks & insurance peers.
Is Aegon growing?: Yes, faster than most of its peers. Growth scores 85/100 against 950 banks & insurance peers. Earnings per share growth 59.5% vs a peer median of 16.0% (stronger than 85% of peers).Earnings per share growth 59.5% vs peers 16.0% (stronger than 85% of peers).
How profitable is Aegon?: Less profitable than most of its peers. Profitability scores 28/100 against 950 banks & insurance peers. Return on assets 0.3% vs a peer median of 1.2% (weaker than 88% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 88% of peers).
How risky is Aegon?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2022 · filed Mar 26, 2026 · compared with the quarter ended Jun 30, 2022

Mixed: some things better, some worse

12-month revenue fell 15.3%
Debt down 79%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	25.2B EUR	21.3B EUR	−15.3%
Net income (12 months)	1.3B EUR	977.0M EUR	−27.2%
Operating margin	-128.8%	-164.7%	−35.9 pts
Free cash flow (12 months)	1.0B EUR	393.0M EUR	−62.4%
Debt	9.4B EUR	2.0B EUR	−78.8%
Cash	7.9B EUR	2.7B EUR	−65.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in EUR, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	117.2%	-164.7%	—	—	—	—
Net margin	9.4%	-2.7%	—	—	—	—
Return on assets (ROA)	0.4%	-0.1%	-0.1%	0.2%	0.3%	▲ 0.1 pts
Return on equity (ROE)	7.6%	-5.3%	-1.9%	7.5%	10.4%	▲ 2.9 pts
Debt to equity	0.37×	0.38×	0.25×	0.33×	0.21×	▼ 36%
Interest coverage	—	-193.03×	—	—	—	—

AEG price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

About average: valuation

Ranks #278 of 791 banks & insurance companies (top 36%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.

The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

Fast revenue growth. Revenue grew 38% in the fiscal year to Dec 2025 vs the year before, faster than 91% of peers.

Revenue grew 38% in the fiscal year to Dec 2025 vs the year before, faster than 91% of its peers.

Questions investors ask about Aegon

Is Aegon getting weaker?

Its latest SEC filing (Mar 26, 2026) was mixed: some things better, some worse: 12-month revenue fell 15.3%; debt down 79%.

How is Aegon valued vs its peers?

Priced about in line with its peers. Valuation scores 57/100 against 950 banks & insurance peers.

Is Aegon growing?

Yes, faster than most of its peers. Growth scores 85/100 against 950 banks & insurance peers. Earnings per share growth 59.5% vs a peer median of 16.0% (stronger than 85% of peers).Earnings per share growth 59.5% vs peers 16.0% (stronger than 85% of peers).

How profitable is Aegon?

Less profitable than most of its peers. Profitability scores 28/100 against 950 banks & insurance peers. Return on assets 0.3% vs a peer median of 1.2% (weaker than 88% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 88% of peers).

How risky is Aegon?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

25.2B EUR

21.3B EUR

−15.3%

Net income (12 months)

1.3B EUR

977.0M EUR

−27.2%

Operating margin

-128.8%

-164.7%

−35.9 pts

Free cash flow (12 months)

1.0B EUR

393.0M EUR

−62.4%

Debt

9.4B EUR

2.0B EUR

−78.8%

Cash

7.9B EUR

2.7B EUR

−65.4%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

117.2%

-164.7%

—

Net margin

9.4%

-2.7%

—

Return on assets (ROA)

0.4%

-0.1%

0.2%

0.3%

▲ 0.1 pts

Return on equity (ROE)

7.6%

-5.3%

-1.9%

7.5%

10.4%

▲ 2.9 pts

Debt to equity

0.37×

0.38×

0.25×

0.33×

0.21×

▼ 36%

Interest coverage

—

-193.03×

—