AEG vs. PGR: Aegon vs. Progressive Stock Comparison
How do Aegon (AEG) and Progressive (PGR) 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 Progressive (PGR) both belong to the Insurance industry, though AEG is classified under Life & Health Insurance while PGR falls under Property & Casualty Insurance.
Progressive (PGR) 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 | PGR |
|---|---|---|
| Name | Aegon Ltd. New York Registry Shares | The Progressive Corporation |
| 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 | 131.96 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 | PGR |
|---|---|---|
| Total Return (1Y) | 19.25% | 11.71% |
| Total Return (3Y, Annualized) | 26.15% | 15.84% |
| Total Return (5Y, Annualized) | 17.53% | 21.68% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AEG | PGR |
|---|---|---|
| Volatility (1Y, Annualized) | 24.91% | 26.37% |
| Beta (5Y) | 0.85 | 0.22 |
| Max Drawdown (5Y) | -36.55% | -30.35% |
| Avg. Volume (3M) | 5.27M | 2.59M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AEG | PGR |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 0.28 |
| Sortino Ratio (1Y) | 0.84 | 0.39 |
Profitability
ROE (TTM)
Progressive (PGR) at 33.24% sits in the top ROE quartile, while Aegon (AEG) at 11.07% is closer to the peer norm — stronger capital efficiency for PGR.
AEG
Insurance industry group
11.07%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AEG
- 11.07%
- Q1
- 8.79%
- Min
- -10.66%
PGR
Insurance industry group
33.24%
- Max
- 41.68%
- PGR
- 33.24%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Aegon (AEG) at 8.62% and Progressive (PGR) at 12.67% 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%
PGR
Insurance industry group
12.67%
- Max
- 29.92%
- Q3
- 17.03%
- PGR
- 12.67%
- 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 Progressive (PGR) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AEG | PGR |
|---|---|---|
| ROE (TTM) | 11.07% | 33.24% |
| ROA (TTM) | 0.10% | 7.53% |
| Net Margin (TTM) | 8.62% | 12.67% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while Progressive (PGR) at 16.32% is closer to the peer norm — faster top-line expansion for AEG.
EPS Growth
Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while Progressive (PGR) at 33.54% is closer to the peer norm — faster per-share earnings growth for AEG.
Growth Metrics
| Metric | AEG | PGR |
|---|---|---|
| Revenue Growth (YoY) | 37.63% | 16.32% |
| Revenue Growth (3Y CAGR) | -- | 20.90% |
| EPS Growth (YoY) | 59.46% | 33.54% |
| EPS Growth (3Y CAGR) | -- | 153.53% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aegon (AEG) in Insurance and Progressive (PGR) 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 Progressive (PGR) 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 | PGR |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Aegon (AEG) at 4.96% delivers top-quartile income for its industry, while Progressive (PGR) at 0.17% pays a more typical yield — both are credible income propositions, AEG the richer one.
AEG
Insurance industry group
4.96%
- Max
- 5.12%
- AEG
- 4.96%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
PGR
Insurance industry group
0.17%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- PGR
- 0.17%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Aegon (AEG) at 61.52% and Progressive (PGR) at 70.03% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
AEG
Insurance industry group
61.52%
- Max
- 76.67%
- AEG
- 61.52%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
PGR
Insurance industry group
70.03%
- Max
- 76.67%
- PGR
- 70.03%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AEG | PGR |
|---|---|---|
| Dividend Yield (TTM) | 4.96% | 0.17% |
| Dividend Payout Ratio (TTM) | 61.52% | 70.03% |
Valuation
P/E Ratio (TTM)
Both Aegon (AEG) at 12.03 and Progressive (PGR) at 11.47 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
PGR
Insurance industry group
11.47
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- PGR
- 11.47
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Aegon (AEG) at 1.04 and Progressive (PGR) at 1.44 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
PGR
Insurance industry group
1.44
- Max
- 4.03
- Q3
- 2.25
- PGR
- 1.44
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Aegon (AEG) at 1.23 is valued about in line with its industry on P/B ratio, while Progressive (PGR) at 3.82 carries an above-peer premium to book — PGR is pricier on assets.
AEG
Insurance industry group
1.23
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- AEG
- 1.23
- Q1
- 1.23
- Min
- 0.30
PGR
Insurance industry group
3.82
- Max
- 5.07
- PGR
- 3.82
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AEG | PGR |
|---|---|---|
| P/E Ratio (TTM) | 12.03 | 11.47 |
| P/S Ratio (TTM) | 1.04 | 1.44 |
| P/B Ratio (MRQ) | 1.23 | 3.82 |
| Free Cash Flow Yield (TTM) | -- | -- |