AEG vs. C: A Head-to-Head Stock Comparison

Updated on July 7, 2025

Here’s a clear look at AEG and C, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Overview

C’s market capitalization of 165.71 billion USD is significantly greater than AEG’s 11.53 billion USD, highlighting its more substantial market valuation.

With betas of 0.90 for AEG and 1.31 for C, both stocks show similar sensitivity to overall market movements.

AEG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, C is a standard domestic listing.

Symbol	AEG	C
Company Name	Aegon N.V.	Citigroup Inc.
Country	NL	US
Sector	Financial Services	Financial Services
Industry	Insurance - Diversified	Banks - Diversified
CEO	E. Lard Friese	Jane Nind Fraser
Price	7.28 USD	88.72 USD
Market Cap	11.53 billion USD	165.71 billion USD
Beta	0.90	1.31
Exchange	NYSE	NYSE
IPO Date	June 28, 1985	January 3, 1977
ADR	Yes	No

Historical Performance

This chart compares the performance of AEG and C by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.

Data is adjusted for dividends and splits.

AEG vs. C: Growth of a $10,000 investment over the past one year.

Profitability

Return on Equity

AEG

7.56%

Insurance - Diversified Industry

Max: 19.59%
Q3: 17.66%
Median: 12.77%
Q1: 7.56%
Min: -4.43%

AEG’s Return on Equity of 7.56% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.

C

6.38%

Banks - Diversified Industry

Max: 20.93%
Q3: 14.73%
Median: 12.33%
Q1: 9.14%
Min: 5.86%

C’s Return on Equity of 6.38% is in the lower quartile for the Banks - Diversified industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AEG vs. C: A comparison of their ROE against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Return on Invested Capital

AEG

14,778.17%

Insurance - Diversified Industry

Max: 32.46%
Q3: 16.21%
Median: 9.46%
Q1: 2.09%
Min: -10.51%

Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.

C

1.32%

Banks - Diversified Industry

Max: 4.52%
Q3: 2.95%
Median: 1.89%
Q1: 0.86%
Min: 0.18%

Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Diversified industry.

AEG vs. C: A comparison of their ROIC against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Net Profit Margin

AEG

2.60%

Insurance - Diversified Industry

Max: 26.00%
Q3: 19.46%
Median: 9.37%
Q1: 5.55%
Min: -7.05%

Falling into the lower quartile for the Insurance - Diversified industry, AEG’s Net Profit Margin of 2.60% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

C

7.95%

Banks - Diversified Industry

Max: 33.40%
Q3: 26.40%
Median: 19.24%
Q1: 14.99%
Min: 7.95%

Falling into the lower quartile for the Banks - Diversified industry, C’s Net Profit Margin of 7.95% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AEG vs. C: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Operating Profit Margin

AEG

25.84%

Insurance - Diversified Industry

Max: 44.52%
Q3: 25.84%
Median: 14.16%
Q1: 6.78%
Min: -2.60%

AEG’s Operating Profit Margin of 25.84% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.

C

10.67%

Banks - Diversified Industry

Max: 50.90%
Q3: 37.76%
Median: 28.44%
Q1: 15.73%
Min: 8.60%

C’s Operating Profit Margin of 10.67% is in the lower quartile for the Banks - Diversified industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

AEG vs. C: A comparison of their Operating Margin against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Profitability at a Glance

Symbol	AEG	C
Return on Equity (TTM)	7.56%	6.38%
Return on Assets (TTM)	0.21%	0.52%
Return on Invested Capital (TTM)	14778.17%	1.32%
Net Profit Margin (TTM)	2.60%	7.95%
Operating Profit Margin (TTM)	25.84%	10.67%
Gross Profit Margin (TTM)	100.00%	42.37%

Financial Strength

Current Ratio

AEG

Insurance - Diversified Industry

Max: 4.41
Q3: 4.03
Median: 2.86
Q1: 2.82
Min: 2.82

Current Ratio data for AEG is currently unavailable.

C

0.29

Banks - Diversified Industry

Max: 0.67
Q3: 0.49
Median: 0.39
Q1: 0.28
Min: 0.06

For the Banks - Diversified industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AEG vs. C: A comparison of their Current Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Debt-to-Equity Ratio

AEG

0.54

Insurance - Diversified Industry

Max: 0.54
Q3: 0.39
Median: 0.27
Q1: 0.21
Min: 0.13

AEG’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.54. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

C

3.53

Banks - Diversified Industry

Max: 4.98
Q3: 3.65
Median: 3.13
Q1: 1.73
Min: 0.09

C’s Debt-to-Equity Ratio of 3.53 is typical for the Banks - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AEG vs. C: A comparison of their D/E Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Interest Coverage Ratio

AEG

1,113.58

Insurance - Diversified Industry

Max: 19.23
Q3: 17.46
Median: 7.97
Q1: 4.61
Min: -1.63

With an Interest Coverage Ratio of 1,113.58, AEG demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Diversified industry. This stems from either robust earnings or a conservative debt load.

C

0.21

Banks - Diversified Industry

Max: 0.98
Q3: 0.78
Median: 0.55
Q1: 0.31
Min: 0.09

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Diversified industry.

AEG vs. C: A comparison of their Interest Coverage against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Financial Strength at a Glance

Symbol	AEG	C
Current Ratio (TTM)	--	0.29
Quick Ratio (TTM)	--	0.29
Debt-to-Equity Ratio (TTM)	0.54	3.53
Debt-to-Asset Ratio (TTM)	0.02	0.29
Net Debt-to-EBITDA Ratio (TTM)	0.39	19.84
Interest Coverage Ratio (TTM)	1113.58	0.21

Growth

The following charts compare key year-over-year (YoY) growth metrics for AEG and C. These metrics are based on the companies’ annual financial reports.

Revenue Growth

AEG vs. C: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

AEG vs. C: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

AEG vs. C: A comparison of their annual year-over-year Free Cash Flow Growth.

Dividend

Dividend Yield

AEG

5.02%

Insurance - Diversified Industry

Max: 8.16%
Q3: 5.54%
Median: 2.46%
Q1: 1.59%
Min: 0.00%

AEG’s Dividend Yield of 5.02% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.

C

2.52%

Banks - Diversified Industry

Max: 7.73%
Q3: 4.16%
Median: 3.24%
Q1: 2.27%
Min: 0.00%

C’s Dividend Yield of 2.52% is consistent with its peers in the Banks - Diversified industry, providing a dividend return that is standard for its sector.

AEG vs. C: A comparison of their Dividend Yield against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Dividend Payout Ratio

AEG

101.86%

Insurance - Diversified Industry

Max: 101.86%
Q3: 53.36%
Median: 21.69%
Q1: 5.33%
Min: 0.00%

AEG’s Dividend Payout Ratio of 101.86% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.

C

39.11%

Banks - Diversified Industry

Max: 84.94%
Q3: 39.11%
Median: 26.91%
Q1: 0.00%
Min: 0.00%

C’s Dividend Payout Ratio of 39.11% is within the typical range for the Banks - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AEG vs. C: A comparison of their Payout Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Dividend at a Glance

Symbol	AEG	C
Dividend Yield (TTM)	5.02%	2.52%
Dividend Payout Ratio (TTM)	101.86%	39.11%

Valuation

Price-to-Earnings Ratio

AEG

18.09

Insurance - Diversified Industry

Max: 18.52
Q3: 16.13
Median: 13.33
Q1: 9.73
Min: 2.62

A P/E Ratio of 18.09 places AEG in the upper quartile for the Insurance - Diversified industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

C

12.46

Banks - Diversified Industry

Max: 14.13
Q3: 13.37
Median: 11.90
Q1: 9.29
Min: 7.43

C’s P/E Ratio of 12.46 is within the middle range for the Banks - Diversified industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AEG vs. C: A comparison of their P/E Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Forward P/E to Growth Ratio

AEG

2.03

Insurance - Diversified Industry

Max: 2.60
Q3: 2.07
Median: 1.20
Q1: 0.77
Min: 0.04

AEG’s Forward PEG Ratio of 2.03 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.

C

0.48

Banks - Diversified Industry

Max: 1.98
Q3: 1.41
Median: 1.15
Q1: 0.77
Min: 0.45

In the lower quartile for the Banks - Diversified industry, C’s Forward PEG Ratio of 0.48 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.

AEG vs. C: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Price-to-Sales Ratio

AEG

0.37

Insurance - Diversified Industry

Max: 3.08
Q3: 2.00
Median: 1.15
Q1: 1.07
Min: 0.38

AEG’s P/S Ratio of 0.37 falls below the typical floor for the Insurance - Diversified industry. This could suggest the stock is overlooked or deeply undervalued relative to its sales, but may also reflect significant market concerns about its future.

C

0.99

Banks - Diversified Industry

Max: 4.15
Q3: 2.92
Median: 2.29
Q1: 1.83
Min: 0.94

The P/S Ratio is often not a primary valuation tool in the Banks - Diversified industry.

AEG vs. C: A comparison of their P/S Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Price-to-Book Ratio

AEG

1.33

Insurance - Diversified Industry

Max: 2.12
Q3: 1.80
Median: 1.59
Q1: 1.29
Min: 0.74

AEG’s P/B Ratio of 1.33 is within the conventional range for the Insurance - Diversified industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

C

0.78

Banks - Diversified Industry

Max: 1.89
Q3: 1.47
Median: 1.23
Q1: 1.10
Min: 0.65

C’s P/B Ratio of 0.78 is in the lower quartile for the Banks - Diversified industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

AEG vs. C: A comparison of their P/B Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Valuation at a Glance

Symbol	AEG	C
Price-to-Earnings Ratio (P/E, TTM)	18.09	12.46
Forward PEG Ratio (TTM)	2.03	0.48
Price-to-Sales Ratio (P/S, TTM)	0.37	0.99
Price-to-Book Ratio (P/B, TTM)	1.33	0.78
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	10.76	-2.24
EV-to-EBITDA (TTM)	2.84	27.30
EV-to-Sales (TTM)	0.43	3.60