Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
ageas SA/NV (AGS.BR)
EUR71.50
+0.55 (+0.78%)
BE BRU Financial Services Insurance - Diversified
Address
Rue du Marquis 1/Markiesstraat 1 1000
Brussels, BE
Brussels, BE
CEO
Hans Jozef Josephina de Cuyper
Website
ageas.com
IPO
2001-06-18
ISIN BE0974264930
Also trades on
Euronext Brussels · AGS.BR (EUR)
Other OTC · AGESF (USD)
Other OTC · AGESY (USD)
Description
Ageas SA/NV operates as an insurance provider across Europe and Asia, through its various subsidiary entities. The company's primary focus is on offering an array of insurance products, including property, casualty, and life coverage, in addition to pension plans and reinsurance services. Its life insurance offerings address risks pertaining to the life and death of individuals, while its non-life portfolio encompasses accident and health, motor, and fire insurance, along with other policies covering property damage or claims liabilities. Ageas serves a broad spectrum of clients, ranging from private individuals to small, medium-sized, and large enterprises, distributing its products through both independent brokers and banking channels. The company was founded in 1824 and maintains its headquarters in Brussels, Belgium.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary
Loading…
| 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
Loading risk profile…
Price Chart
EUR71.50
+0.55 (+0.78%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
324.8K
Beta
0.55
Float Shares
178.79M
Free Float %
86.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.22% | -2.70% | -0.15% | +5.88% | +13.07% | +11.37% | +15.93% | +66.33% | +24.49% | +82.72% | -71.25% |
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From
To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
Loading histogram data…
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 (1 ratings, all time)
Buy
Price Targets & DCF
Current price
71.50
DCF (Unlevered)
269.39
+276.8%
DCF (Levered)
8.72
-87.8%
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)
25% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 1 | -2 |
| Hold | 9 | +1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.13
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%+6.7% Q2'25: +2.3% (vs Q2'24)
-
EPS growth Insurance - Diversified: +25.3%+49.8% ★ Q2'25: +5.2% (vs Q2'24)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+34.6% ★ Q2'25: +26.8% (vs Q2'24)
-
EBIT margin Insurance - Diversified: +13.5%+27.2% ★ Q2'25: +20.3% (vs Q2'24)
-
ROIC Insurance - Diversified: +4.2%— Q2'25: -3.5% (vs Q2'24)
-
Share dilution Insurance - Diversified: +0.0%+2.4% Q2'25: +0.8% (vs Q2'24)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×2.53× ★
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 2 Rev. Ana. 9 EPS Ana. |
Dec 2027 2 Rev. Ana. 9 EPS Ana. |
Dec 2028 2 Rev. Ana. 5 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
11.67B
est: 10.85B (+7.5%)
|
14.57B
est: 11.45B (+27.3%)
|
12.58B
est: 10.42B (+20.8%)
|
13.78B
est: 10.12B (+36.1%)
|
13.15B
est: 10.24B (+28.4%)
|
12.76B
est: 10.69B (+19.4%)
|
11.85B
est: 9.60B (+23.5%)
|
11.07B
est: 8.96B (+23.5%)
|
14.11B
est: 9.71B (+45.3%)
|
11.57B
est: 9.40B (+23.1%)
|
12.91B
est: 9.56B (+35.0%)
|
4.89B
est: 9.86B (-50.4%)
|
7.88B
est: 8.11B (-2.8%)
|
8.48B
est: 7.80B (+8.7%)
|
9.04B
est: 8.14B (+11.2%)
|
9.02B
7.64B – 10.40B
+10.9% YoY
|
9.56B
7.99B – 11.13B
+6.0% YoY
|
9.99B
8.40B – 11.57B
+4.5% YoY
|
10.30B
8.66B – 11.93B
+3.1% YoY
|
10.64B
8.95B – 12.32B
+3.3% YoY
|
| EBITDA |
199.10M
est: 307.10M (-35.2%)
|
2.28B
est: -164.61M (+1,487.9%)
|
1.95B
est: 1.27B (+52.7%)
|
1.87B
est: 1.78B (+5.1%)
|
2.04B
est: 1.60B (+27.2%)
|
1.30B
est: 2.09B (-37.5%)
|
1.95B
est: 1.23B (+57.9%)
|
2.02B
est: 1.52B (+32.8%)
|
2.19B
est: 2.13B (+2.9%)
|
2.51B
est: 2.57B (-2.6%)
|
2.19B
est: 2.68B (-18.2%)
|
2.03B
est: 2.37B (-14.4%)
|
2.05B
est: 2.29B (-10.7%)
|
2.17B
est: 2.24B (-3.2%)
|
2.82B
est: 2.30B (+22.6%)
|
2.55B
2.16B – 2.94B
+10.9% YoY
|
2.70B
2.26B – 3.14B
+6.0% YoY
|
2.82B
2.37B – 3.27B
+4.5% YoY
|
2.91B
2.45B – 3.37B
+3.1% YoY
|
3.00B
2.53B – 3.48B
+3.3% YoY
|
| EBIT |
-487.80M
est: 356.81M (-236.7%)
|
1.49B
est: -606.74M (+344.9%)
|
1.15B
est: 1.26B (-9.1%)
|
918.90M
est: 746.21M (+23.1%)
|
1.29B
est: 878.57M (+46.7%)
|
554.10M
est: 1.01B (-45.0%)
|
1.21B
est: 257.10M (+369.2%)
|
1.34B
est: 828.48M (+62.1%)
|
1.54B
est: 1.10B (+39.4%)
|
1.65B
est: 1.05B (+57.5%)
|
1.36B
est: 1.09B (+24.3%)
|
1.64B
est: 967.97M (+69.6%)
|
1.70B
est: 1.86B (-8.5%)
|
1.86B
est: 1.83B (+1.8%)
|
2.46B
est: 1.87B (+31.7%)
|
2.07B
1.75B – 2.39B
+10.9% YoY
|
2.20B
1.84B – 2.56B
+6.0% YoY
|
2.29B
1.93B – 2.66B
+4.5% YoY
|
2.36B
1.99B – 2.74B
+3.1% YoY
|
2.44B
2.06B – 2.83B
+3.3% YoY
|
| Net Income |
-578.20M
est: 197.93M (-392.1%)
|
743.00M
est: -609.90M (+221.8%)
|
569.50M
est: 598.28M (-4.8%)
|
475.60M
est: 553.83M (-14.1%)
|
770.20M
est: 502.70M (+53.2%)
|
27.10M
est: 811.26M (-96.7%)
|
623.20M
est: 27.67M (+2,152.2%)
|
809.10M
est: 534.76M (+51.3%)
|
979.00M
est: 866.32M (+13.0%)
|
1.14B
est: 1.04B (+9.5%)
|
845.00M
est: 1.09B (-22.1%)
|
1.10B
est: 911.00M (+20.4%)
|
953.00M
est: 1.06B (-10.4%)
|
1.12B
est: 1.15B (-3.0%)
|
1.71B
est: 1.71B (+0.0%)
|
1.48B
1.35B – 1.56B
-13.6% YoY
|
1.55B
1.43B – 1.67B
+4.9% YoY
|
1.77B
1.60B – 1.92B
+14.0% YoY
|
1.80B
1.43B – 2.17B
+1.9% YoY
|
1.87B
1.49B – 2.26B
+4.0% YoY
|
| SGA |
182.30M
est: 615.98M (-70.4%)
|
195.30M
est: 780.84M (-75.0%)
|
178.30M
est: 639.35M (-72.1%)
|
181.60M
est: 1.22B (-85.1%)
|
209.30M
est: 1.51B (-86.1%)
|
215.40M
est: 1.56B (-86.2%)
|
195.70M
est: 1.57B (-87.5%)
|
195.40M
est: 1.27B (-84.6%)
|
233.00M
est: 1.56B (-85.1%)
|
186.00M
est: 1.75B (-89.4%)
|
183.00M
est: 1.82B (-90.0%)
|
206.00M
est: 1.62B (-87.3%)
|
—
est: 91.26M (-100.0%)
|
—
est: 1.53B (-100.0%)
|
—
est: 91.55M (-100.0%)
|
101.50M
85.97M – 117.02M
+10.9% YoY
|
107.58M
89.95M – 125.22M
+6.0% YoY
|
112.40M
94.58M – 130.21M
+4.5% YoY
|
115.88M
97.51M – 134.25M
+3.1% YoY
|
119.70M
100.73M – 138.68M
+3.3% YoY
|
| EPS |
-2.65
est: -1.40 (-89.7%)
|
3.13
est: 2.67 (+17.2%)
|
2.49
est: 2.70 (-7.7%)
|
2.13
est: 2.33 (-8.4%)
|
3.57
est: 3.55 (+0.5%)
|
0.13
est: 3.85 (-96.6%)
|
3.09
est: 3.32 (-7.0%)
|
4.11
est: 4.07 (+0.9%)
|
5.09
est: 5.14 (-1.0%)
|
6.07
est: 5.31 (+14.4%)
|
4.52
est: 4.41 (+2.4%)
|
5.49
est: 5.00 (+9.9%)
|
5.19
est: 5.79 (-10.3%)
|
6.08
est: 6.78 (-10.4%)
|
9.11
est: 8.55 (+6.5%)
|
7.65
7.17 – 8.28
-10.5% YoY
|
8.52
7.60 – 8.91
+11.4% YoY
|
9.44
8.49 – 10.22
+10.8% YoY
|
9.59
7.61 – 11.57
+1.5% YoY
|
9.97
7.92 – 12.02
+4.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-28 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-27 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-26 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-25 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-22 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-21 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-20 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-19 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-18 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-15 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-14 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-13 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-12 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-11 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-08 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-07 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-06 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-05 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-04 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-15 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.77B
OE per share TTM
9.60
Owner's Yield
14.15%
Maintenance CapEx ratio
9.12%
Maint CapEx / Avg PPE
22.5%
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
146.5K
Shares Outstanding
205.73M
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 |
|---|---|---|---|
| Hans Jozef Josephina De Cuyper | Chief Executive Officer & Executive Director | 2M | male |
| Filip Andre Lodewijk Coremans | Executive Officer | 1M | male |
| Emmanuel Van Grimbergen | MD of Reinsurance & Investments | 1M | male |
| Heidi Delobelle | Managing Director of Belgium | 1M | female |
| Wim Guilliams | Chief Financial Officer & Executive Director | 1M | male |
| Karolien Gielen | Managing Director of Business Development & Asia | 1M | female |
| Christophe Ghislain F. Vandeweghe | Chief Risk Officer & Executive Director | 1M | male |
| Ben Karel E. Coumans | Managing Director of Europe | 1M | male |
| Jerry Bata | Head of Legal | — | — |
| Arnaud Nicolas | Head of Investor Relations | — | 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 AGS.BR
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.
