AEG vs. AFG: Aegon vs. American Financial Stock Comparison
How do Aegon (AEG) and American Financial (AFG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Aegon (AEG) and American Financial (AFG) both belong to the Insurance industry, though AEG is classified under Life & Health Insurance while AFG falls under Property & Casualty Insurance.
American Financial (AFG) trades as ordinary local shares, while Aegon (AEG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | AEG | AFG |
|---|---|---|
| Name | Aegon Ltd. New York Registry Shares | American Financial Group Inc |
| Country/Region | Netherlands | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Property & Casualty Insurance |
| Market Capitalization | 12.09 billion USD | 12.79 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 28, 1985 | March 17, 1980 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AEG | AFG |
|---|---|---|
| Total Return (1Y) | 19.25% | 15.92% |
| Total Return (3Y, Annualized) | 26.15% | 20.24% |
| Total Return (5Y, Annualized) | 17.53% | 9.64% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AEG | AFG |
|---|---|---|
| Volatility (1Y, Annualized) | 24.91% | 17.44% |
| Beta (5Y) | 0.85 | 0.55 |
| Max Drawdown (5Y) | -36.55% | -23.85% |
| Avg. Volume (3M) | 5.27M | 386.95K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AEG | AFG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 0.67 |
| Sortino Ratio (1Y) | 0.84 | 1.02 |
Profitability
ROE (TTM)
Both Aegon (AEG) at 11.07% and American Financial (AFG) at 21.57% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
AEG
Insurance industry group
11.07%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AEG
- 11.07%
- Q1
- 8.79%
- Min
- -10.66%
AFG
Insurance industry group
21.57%
- Max
- 41.68%
- Q3
- 22.04%
- AFG
- 21.57%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Aegon (AEG) at 8.62% and American Financial (AFG) at 12.28% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AEG
Insurance industry group
8.62%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AEG
- 8.62%
- Q1
- 6.21%
- Min
- -4.68%
AFG
Insurance industry group
12.28%
- Max
- 29.92%
- Q3
- 17.03%
- AFG
- 12.28%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Aegon (AEG) in Insurance and American Financial (AFG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AEG | AFG |
|---|---|---|
| ROE (TTM) | 11.07% | 21.57% |
| ROA (TTM) | 0.10% | 2.55% |
| Net Margin (TTM) | 8.62% | 12.28% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while American Financial (AFG) at -1.93% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while American Financial (AFG) at -4.57% is closer to the peer norm — faster per-share earnings growth for AEG.
Growth Metrics
| Metric | AEG | AFG |
|---|---|---|
| Revenue Growth (YoY) | 37.63% | -1.93% |
| Revenue Growth (3Y CAGR) | -- | 6.22% |
| EPS Growth (YoY) | 59.46% | -4.57% |
| EPS Growth (3Y CAGR) | -- | -1.45% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aegon (AEG) in Insurance and American Financial (AFG) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Aegon (AEG) in Insurance and American Financial (AFG) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AEG | AFG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Aegon (AEG) at 4.96% and American Financial (AFG) at 2.31% offer top-quartile dividend income relative to share price within their industries.
AEG
Insurance industry group
4.96%
- Max
- 5.12%
- AEG
- 4.96%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
AFG
Insurance industry group
2.31%
- Max
- 5.12%
- AFG
- 2.31%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
American Financial (AFG) at 28.71% pays out a band-typical share of earnings, while Aegon (AEG) at 61.52% distributes more than its industry norm — less retained, thinner cover.
AEG
Insurance industry group
61.52%
- Max
- 76.67%
- AEG
- 61.52%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
AFG
Insurance industry group
28.71%
- Max
- 76.67%
- Q3
- 35.18%
- AFG
- 28.71%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AEG | AFG |
|---|---|---|
| Dividend Yield (TTM) | 4.96% | 2.31% |
| Dividend Payout Ratio (TTM) | 61.52% | 28.71% |
Valuation
P/E Ratio (TTM)
Both Aegon (AEG) at 12.03 and American Financial (AFG) at 12.61 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
AEG
Insurance industry group
12.03
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- AEG
- 12.03
- Q1
- 9.08
- Min
- 2.32
AFG
Insurance industry group
12.61
- Max
- 28.37
- Q3
- 18.75
- AFG
- 12.61
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Aegon (AEG) at 1.04 and American Financial (AFG) at 1.54 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AEG
Insurance industry group
1.04
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- AEG
- 1.04
- Q1
- 0.85
- Min
- 0.07
AFG
Insurance industry group
1.54
- Max
- 4.03
- Q3
- 2.25
- AFG
- 1.54
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Aegon (AEG) at 1.23 and American Financial (AFG) at 2.71 are valued close to their industries’ norm against book — neither stands out from peers.
AEG
Insurance industry group
1.23
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- AEG
- 1.23
- Q1
- 1.23
- Min
- 0.30
AFG
Insurance industry group
2.71
- Max
- 5.07
- Q3
- 2.79
- AFG
- 2.71
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AEG | AFG |
|---|---|---|
| P/E Ratio (TTM) | 12.03 | 12.61 |
| P/S Ratio (TTM) | 1.04 | 1.54 |
| P/B Ratio (MRQ) | 1.23 | 2.71 |
| Free Cash Flow Yield (TTM) | -- | -- |