AEG vs. XP: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AEG and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AEG’s market capitalization stands at 11.53 billion USD, while XP’s is 10.43 billion USD, indicating their market valuations are broadly comparable.
With betas of 0.90 for AEG and 1.17 for XP, 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, XP is a standard domestic listing.
| Symbol | AEG | XP |
|---|---|---|
| Company Name | Aegon N.V. | XP Inc. |
| Country | NL | BR |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Financial - Capital Markets |
| CEO | E. Lard Friese | Thiago Maffra |
| Price | 7.28 USD | 19.8 USD |
| Market Cap | 11.53 billion USD | 10.43 billion USD |
| Beta | 0.90 | 1.17 |
| Exchange | NYSE | NASDAQ |
| IPO Date | June 28, 1985 | December 11, 2019 |
| ADR | Yes | No |
Historical Performance
This chart compares the performance of AEG and XP 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.
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.
XP
22.91%
Financial - Capital Markets Industry
- Max
- 42.02%
- Q3
- 20.69%
- Median
- 13.73%
- Q1
- 3.33%
- Min
- -21.32%
In the upper quartile for the Financial - Capital Markets industry, XP’s Return on Equity of 22.91% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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.
XP
-1.71%
Financial - Capital Markets Industry
- Max
- 30.24%
- Q3
- 13.34%
- Median
- 6.20%
- Q1
- -1.71%
- Min
- -16.91%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Capital Markets industry.
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.
XP
63.34%
Financial - Capital Markets Industry
- Max
- 28.67%
- Q3
- 13.52%
- Median
- 10.47%
- Q1
- 0.24%
- Min
- -9.55%
XP’s Net Profit Margin of 63.34% is exceptionally high, placing it well beyond the typical range for the Financial - Capital Markets industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
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.
XP
-53.85%
Financial - Capital Markets Industry
- Max
- 56.86%
- Q3
- 25.29%
- Median
- 15.90%
- Q1
- 0.51%
- Min
- -19.18%
XP has a negative Operating Profit Margin of -53.85%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | AEG | XP |
|---|---|---|
| Return on Equity (TTM) | 7.56% | 22.91% |
| Return on Assets (TTM) | 0.21% | 1.35% |
| Return on Invested Capital (TTM) | 14778.17% | -1.71% |
| Net Profit Margin (TTM) | 2.60% | 63.34% |
| Operating Profit Margin (TTM) | 25.84% | -53.85% |
| Gross Profit Margin (TTM) | 100.00% | 30.86% |
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.
XP
0.57
Financial - Capital Markets Industry
- Max
- 4.60
- Q3
- 3.24
- Median
- 1.32
- Q1
- 0.96
- Min
- 0.05
For the Financial - Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
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.
XP
2.75
Financial - Capital Markets Industry
- Max
- 3.63
- Q3
- 1.68
- Median
- 0.37
- Q1
- 0.09
- Min
- 0.00
XP’s leverage is in the upper quartile of the Financial - Capital Markets industry, with a Debt-to-Equity Ratio of 2.75. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
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.
XP
-5.17
Financial - Capital Markets Industry
- Max
- 12.71
- Q3
- 7.94
- Median
- 1.92
- Q1
- 0.24
- Min
- -7.71
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Capital Markets industry.
Financial Strength at a Glance
| Symbol | AEG | XP |
|---|---|---|
| Current Ratio (TTM) | -- | 0.57 |
| Quick Ratio (TTM) | -- | 0.57 |
| Debt-to-Equity Ratio (TTM) | 0.54 | 2.75 |
| Debt-to-Asset Ratio (TTM) | 0.02 | 0.17 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.39 | 8.10 |
| Interest Coverage Ratio (TTM) | 1113.58 | -5.17 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AEG and XP. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
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.
XP
3.28%
Financial - Capital Markets Industry
- Max
- 5.86%
- Q3
- 1.74%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 3.28%, XP offers a more attractive income stream than most of its peers in the Financial - Capital Markets industry, signaling a strong commitment to shareholder returns.
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.
XP
43.17%
Financial - Capital Markets Industry
- Max
- 128.06%
- Q3
- 43.11%
- Median
- 12.56%
- Q1
- 0.00%
- Min
- 0.00%
XP’s Dividend Payout Ratio of 43.17% is in the upper quartile for the Financial - Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | AEG | XP |
|---|---|---|
| Dividend Yield (TTM) | 5.02% | 3.28% |
| Dividend Payout Ratio (TTM) | 101.86% | 43.17% |
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.
XP
12.27
Financial - Capital Markets Industry
- Max
- 42.65
- Q3
- 29.09
- Median
- 20.52
- Q1
- 14.58
- Min
- 8.28
In the lower quartile for the Financial - Capital Markets industry, XP’s P/E Ratio of 12.27 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
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.
XP
-0.12
Financial - Capital Markets Industry
- Max
- 4.05
- Q3
- 2.46
- Median
- 1.52
- Q1
- 0.78
- Min
- 0.02
XP has a negative Forward PEG Ratio of -0.12. This typically results from negative earnings or forecasts of declining future earnings, making the ratio not meaningful for valuation.
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.
XP
7.59
Financial - Capital Markets Industry
- Max
- 14.34
- Q3
- 7.63
- Median
- 2.98
- Q1
- 1.50
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial - Capital Markets industry.
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.
XP
2.75
Financial - Capital Markets Industry
- Max
- 9.60
- Q3
- 6.00
- Median
- 2.91
- Q1
- 1.84
- Min
- 0.53
XP’s P/B Ratio of 2.75 is within the conventional range for the Financial - Capital Markets 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.
Valuation at a Glance
| Symbol | AEG | XP |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 18.09 | 12.27 |
| Forward PEG Ratio (TTM) | 2.03 | -0.12 |
| Price-to-Sales Ratio (P/S, TTM) | 0.37 | 7.59 |
| Price-to-Book Ratio (P/B, TTM) | 1.33 | 2.75 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 10.76 | 4.86 |
| EV-to-EBITDA (TTM) | 2.84 | 17.32 |
| EV-to-Sales (TTM) | 0.43 | 14.26 |