Seek Returns

Aegon (AEG) Stock Analysis

This is a peer-relative look at Aegon (AEG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Aegon (AEG) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Aegon (AEG)
Profile ItemAEG
NameAegon Ltd. New York Registry Shares
Country/RegionNetherlands
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryLife & Health Insurance
Market Capitalization12.09 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJune 28, 1985
Security TypeADR

Price Performance

Cumulative Growth

AEG
GSPC
Loading price history…
Aegon (AEG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…
Trailing total returns for Aegon (AEG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Aegon (AEG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Total Return (1Y)19.25%13.21%
Total Return (3Y, Annualized)26.15%16.41%
Total Return (5Y, Annualized)17.53%10.37%

Risk Profile

Drawdown History

AEG
GSPC
Loading price history…
Aegon (AEG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…
Distribution of monthly total returns for Aegon (AEG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Volatility (1Y, Annualized)24.91%28.84%
Beta (5Y)0.850.50
Max Drawdown (5Y)-36.55%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. AEG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Sharpe Ratio (1Y)0.600.28
Sortino Ratio (1Y)0.840.41

Profitability

ROE (TTM)

Aegon (AEG) posts ROE of 11.07%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

AEG

Insurance industry group

11.07%

Group distribution
Max
41.68%
Q3
22.04%
Median
14.81%
AEG
11.07%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
CB
14.25%
MFC
12.24%
AEG
11.07%
AJG
7.21%
Loading chart…
Where Aegon (AEG) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Aegon (AEG) keeps 8.62% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

AEG

Insurance industry group

8.62%

Group distribution
Max
29.92%
Q3
17.03%
Median
10.97%
AEG
8.62%
Q1
6.21%
Min
-4.68%
Largest peers
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.78%
AEG
8.62%
Loading chart…
Where Aegon (AEG) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Aegon (AEG) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
ROE (TTM)11.07%14.81%
ROA (TTM)0.10%2.72%
Net Margin (TTM)8.62%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Aegon (AEG) grew revenue 37.63%, in the upper peer quartile. The top line is expanding faster than at most industry peers, which points to share gains or stronger pricing.

Loading chart…
Aegon (AEG): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Aegon (AEG) grew earnings per share 59.46%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

Loading chart…
Aegon (AEG): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Revenue Growth (YoY)37.63%7.89%
Revenue Growth (3Y CAGR)--11.40%
EPS Growth (YoY)59.46%21.77%
EPS Growth (3Y CAGR)--18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Aegon (AEG) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Aegon (AEG) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Aegon (AEG) has dividend yield of 4.96%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

AEG

Insurance industry group

4.96%

Group distribution
Max
5.12%
AEG
4.96%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%
Largest peers
AEG
4.96%
MFC
4.32%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
PGR
0.17%
Loading chart…
Where Aegon (AEG) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Aegon (AEG) has payout ratio of 61.52%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.

AEG

Insurance industry group

61.52%

Group distribution
Max
76.67%
AEG
61.52%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
AEG
61.52%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
CB
13.95%
TRV
12.36%
Loading chart…
Where Aegon (AEG) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
Dividend Yield (TTM)4.96%0.98%
Dividend Payout Ratio (TTM)61.52%14.74%

Valuation

P/E Ratio (TTM)

Aegon (AEG) trades at P/E ratio of 12.03, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

AEG

Insurance industry group

12.03

Group distribution
Max
28.37
Q3
18.75
Median
12.23
AEG
12.03
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
MRSH
24.50
MFC
17.23
CB
12.79
AEG
12.03
PGR
11.47
TRV
10.39
Loading chart…
Where Aegon (AEG) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Aegon (AEG) trades at 1.04 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

AEG

Insurance industry group

1.04

Group distribution
Max
4.03
Q3
2.25
Median
1.23
AEG
1.04
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
MFC
2.11
TRV
1.66
PGR
1.44
AEG
1.04
Loading chart…
Where Aegon (AEG) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Aegon (AEG) trades at 1.23 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

AEG

Insurance industry group

1.23

Group distribution
Max
5.07
Q3
2.79
Median
1.76
AEG
1.23
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
AEG
1.23
Loading chart…
Where Aegon (AEG) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Aegon (AEG) metric values compared with Insurance industry-group medians
MetricCurrent stock: AEGIndustry group median
P/E Ratio (TTM)12.0312.23
P/S Ratio (TTM)1.041.23
P/B Ratio (MRQ)1.231.76
Free Cash Flow Yield (TTM)----