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Aegon N.V. (AGN.AS)
EUR7.80
+0.10 (+1.33%)
NL AMS Financial Services Insurance - Diversified
Address
Aegonplein 50 2591 TV
The Hague, NL
The Hague, NL
CEO
E. Lard Friese
Website
aegon.com
IPO
1995-03-29
ISIN BMG0112X1056
Also trades on
Deutsche Börse · AEND.DE (EUR)
Euronext Amsterdam · AGN.AS (EUR)
New York Stock Exchange · AED (USD)
New York Stock Exchange · AEG (USD)
New York Stock Exchange · AEB (USD)
New York Stock Exchange · AEH (USD)
Other OTC · AEGOF (USD)
Description
Aegon N.V. is a global financial services provider offering insurance, pension plans, and asset management expertise across the Americas, the Netherlands, and the United Kingdom. Its offerings encompass a wide array of insurance products, including life, accident, health, and property and casualty coverage. The company also furnishes a comprehensive selection of savings and retirement solutions, such as pensions, annuities, mutual funds, individual retirement accounts, and stable value solutions, in addition to voluntary employee benefits. Furthermore, Aegon provides various financial instruments, including debt securities, mortgage loans, derivatives, and short-term investments, alongside reinsurance assets and other loan types. Complementing these are services spanning credit risk management, disability support, and digital banking solutions. Founded in 1983, Aegon N.V. has its headquarters in The Hague, Netherlands.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
EUR7.80
+0.10 (+1.33%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
0.64
Float Shares
1.16B
Free Float %
76.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.25% | -2.53% | +4.10% | +13.65% | +5.21% | +10.12% | +15.88% | +72.45% | +89.43% | +58.27% | +51.07% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (18 ratings, all time)
Hold
Price Targets & DCF
Current price
7.80
DCF (Unlevered)
13.05
+67.3%
DCF (Levered)
9.30
+19.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
56% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | 0 |
| Buy | 5 | 0 |
| Hold | 7 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.28
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%+71.1% ★ Q4'25: +493.2% (vs Q1'24)
-
EPS growth Insurance - Diversified: +25.3%+110.0% ★ Q4'25: +1,777.4% (vs Q1'24)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+24.0% ★ Q4'25: -1.7% (vs Q1'24)
-
EBIT margin Insurance - Diversified: +13.5%+4.1% Q4'25: +2.8% (vs Q1'24)
-
ROIC Insurance - Diversified: +4.2%+12.9% ★ Q4'25: +21.1% (vs Q1'24)
-
Share dilution Insurance - Diversified: +0.0%-22.3% ★ Q4'25: -9.6% (vs Q1'24)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×4.61× Q4'25: 3.22× (vs Q1'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 6 EPS Ana. |
Dec 2027 1 Rev. Ana. 7 EPS Ana. |
Dec 2028 1 Rev. Ana. 6 EPS Ana. |
Dec 2029 1 Rev. Ana. 4 EPS Ana. |
Dec 2030 1 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
31.79B
est: 21.08B (+50.8%)
|
42.99B
est: 20.47B (+110.0%)
|
45.02B
est: 20.53B (+119.3%)
|
43.93B
est: 22.17B (+98.1%)
|
31.45B
est: 22.70B (+38.5%)
|
49.61B
est: 22.39B (+121.5%)
|
53.08B
est: 23.45B (+126.4%)
|
14.55B
est: 22.70B (-35.9%)
|
61.14B
est: 23.26B (+162.8%)
|
44.33B
est: 19.69B (+125.1%)
|
46.14B
est: 19.82B (+132.8%)
|
53.77B
est: 20.11B (+167.4%)
|
29.54B
est: 12.73B (+132.1%)
|
19.52B
est: 13.64B (+43.1%)
|
33.40B
est: 14.36B (+132.6%)
|
22.65B
22.65B – 22.65B
+57.7% YoY
|
35.98B
35.98B – 35.98B
+58.9% YoY
|
83.86B
83.86B – 83.86B
+133.1% YoY
|
10.66B
10.66B – 10.66B
-87.3% YoY
|
37.17B
37.17B – 37.17B
+248.6% YoY
|
| EBITDA |
3.05B
est: 3.11B (-2.1%)
|
3.79B
est: 2.32B (+63.1%)
|
2.69B
est: 2.94B (-8.8%)
|
2.23B
est: 2.35B (-5.1%)
|
2.69B
est: 2.51B (+7.2%)
|
1.09B
est: 1.04B (+4.4%)
|
2.95B
est: 2.23B (+32.1%)
|
2.06B
est: 3.40B (-39.5%)
|
2.59B
est: 2.27B (+13.9%)
|
169.00M
est: 2.97B (-94.3%)
|
2.21B
est: 2.91B (-24.0%)
|
1.00B
est: 2.85B (-64.8%)
|
-204.00M
est: 327.48M (-162.3%)
|
635.00M
est: 350.91M (+81.0%)
|
1.22B
est: 369.43M (+228.9%)
|
582.64M
582.64M – 582.64M
+57.7% YoY
|
925.70M
925.70M – 925.70M
+58.9% YoY
|
2.16B
2.16B – 2.16B
+133.1% YoY
|
274.38M
274.38M – 274.38M
-87.3% YoY
|
956.39M
956.39M – 956.39M
+248.6% YoY
|
| EBIT |
1.43B
est: 1.62B (-12.0%)
|
2.52B
est: 782.49M (+222.6%)
|
1.54B
est: 2.32B (-33.3%)
|
1.29B
est: 1.02B (+25.8%)
|
-102.00M
est: 1.40B (-107.3%)
|
957.00M
est: -790.81M (+221.0%)
|
2.97B
est: 689.39M (+330.7%)
|
1.04B
est: 2.26B (-53.8%)
|
1.74B
est: 555.63M (+213.2%)
|
-553.00M
est: 1.47B (-137.6%)
|
1.41B
est: 1.44B (-2.4%)
|
834.00M
est: 1.41B (-41.0%)
|
-238.00M
est: 276.99M (-185.9%)
|
666.00M
est: 296.81M (+124.4%)
|
1.38B
est: 312.47M (+342.3%)
|
492.81M
492.81M – 492.81M
+57.7% YoY
|
782.98M
782.98M – 782.98M
+58.9% YoY
|
1.83B
1.83B – 1.83B
+133.1% YoY
|
232.08M
232.08M – 232.08M
-87.3% YoY
|
808.94M
808.94M – 808.94M
+248.6% YoY
|
| Net Income |
869.00M
est: 1.53B (-43.0%)
|
1.57B
est: 766.61M (+104.8%)
|
846.00M
est: 1.57B (-46.3%)
|
1.19B
est: 912.74M (+29.9%)
|
-432.00M
est: 1.20B (-136.0%)
|
586.00M
est: -530.58M (+210.4%)
|
2.36B
est: 606.58M (+289.2%)
|
710.00M
est: 2.40B (-70.4%)
|
1.24B
est: 731.66M (+69.3%)
|
-135.00M
est: 1.40B (-109.7%)
|
1.98B
est: 1.37B (+44.2%)
|
-570.00M
est: -1.75B (+67.4%)
|
-179.00M
est: -140.68M (-27.2%)
|
688.00M
est: 547.32M (+25.7%)
|
977.00M
est: 1.22B (-20.1%)
|
1.41B
1.20B – 1.62B
+15.1% YoY
|
1.25B
1.21B – 1.61B
-11.0% YoY
|
1.63B
1.48B – 1.79B
+30.4% YoY
|
1.67B
1.67B – 1.67B
+2.2% YoY
|
1.87B
1.87B – 1.87B
+11.7% YoY
|
| SGA |
6.16B
est: 1.49B (+312.7%)
|
3.19B
est: 1.70B (+87.6%)
|
3.16B
est: 1.61B (+97.0%)
|
3.19B
est: 3.48B (-8.1%)
|
3.56B
est: 3.21B (+10.9%)
|
3.56B
est: 3.60B (-1.2%)
|
3.66B
est: 3.69B (-0.7%)
|
3.54B
est: 3.72B (-4.9%)
|
3.69B
est: 3.48B (+5.9%)
|
3.59B
est: 3.37B (+6.4%)
|
3.48B
est: 3.31B (+5.0%)
|
1.73B
est: 3.24B (-46.7%)
|
1.89B
est: 694.90M (+171.5%)
|
1.98B
est: 744.62M (+166.3%)
|
—
est: 783.91M (-100.0%)
|
1.24B
1.24B – 1.24B
+57.7% YoY
|
1.96B
1.96B – 1.96B
+58.9% YoY
|
4.58B
4.58B – 4.58B
+133.1% YoY
|
582.22M
582.22M – 582.22M
-87.3% YoY
|
2.03B
2.03B – 2.03B
+248.6% YoY
|
| EPS |
0.47
est: 0.50 (-6.1%)
|
0.69
est: 0.65 (+6.5%)
|
0.29
est: 0.49 (-40.8%)
|
0.49
est: 0.54 (-8.6%)
|
-0.16
est: 0.61 (-126.3%)
|
0.22
est: 0.55 (-60.3%)
|
1.08
est: 0.79 (+35.9%)
|
0.27
est: 0.46 (-41.5%)
|
0.60
est: 0.69 (-12.8%)
|
-0.07
est: 0.35 (-118.7%)
|
0.80
est: 0.75 (+6.8%)
|
-0.30
est: -0.05 (-548.5%)
|
-0.12
est: -0.09 (-33.2%)
|
0.37
est: 0.35 (+5.6%)
|
0.63
est: 0.78 (-19.2%)
|
0.94
0.77 – 1.04
+20.2% YoY
|
0.92
0.78 – 1.03
-1.4% YoY
|
1.03
0.95 – 1.15
+11.3% YoY
|
1.07
1.07 – 1.07
+4.2% YoY
|
1.20
1.20 – 1.20
+11.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-28 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-27 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-25 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-19 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-15 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 5/5 | 3/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-516.88M
OE per share TTM
-0.29
Owner's Yield
-4.67%
Maintenance CapEx ratio
19.50%
Maint CapEx / Avg PPE
0.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
88.7K
Shares Outstanding
1.51B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| E. Lard Friese | Chief Executive Officer, Chairman of Management Board & Executive Director | 4M | male |
| Deborah Waters | Chief Technology Officer & Member of the Management Board | — | female |
| Duncan Russell | Chief Financial Officer & Member of Management Board | — | male |
| Holly Waters | Chief Human Resources Officer & Member of Management Board | — | female |
| J. Onno van Klinken | General Counsel, Executive Vice President & Member of the Management Board | — | male |
| Marco Baptist Arie Keim | Chief Executive Officer of Aegon International & Member of the Management Board | — | — |
| Michael Anthony Holliday-Williams | Chief Executive Officer of Aegon UK & Member of Management Board | — | male |
| Michele A. E. Bareggi | Chief Strategy, Transformation & Growth Officer and Member of Management Board | — | male |
| Shawn C. D. Johnson | Global Chief Executive Officer of Aegon Asset Management & Member of Executive Committee | — | male |
| Astrid Jakel | Chief Risk Officer & Member of the Management Board | — | female |
| Wilford Herndon Fuller | Member of the Management Board and Chief Executive Officer of Aegon Americas | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for AGN.AS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
