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    Financial Services

  3. •

    Insurance - Diversified
Aegon N.V.

Aegon N.V.

AGN.AS
Aegon N.V.NL flagEuronext Amsterdam
7.24
EUR
-0.11
- -
10.95BMarket Cap
Aegon N.V.
AGN.AS
(Euronext Amsterdam)

Recent

price

7.22

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
26.6
13.81
20.26
17.52
15.09
11.71
17.63
19.02
5.57
23.47
14.21
16.35
-10.96
8.47
9.71
14.15
-1.85
Revenue per Share
0.98
0.45
0.82
0.38
0.23
-0.16
0.17
0.94
0.27
0.47
-0.06
0.76
-0.29
-0.08
0.34
0.51
-0.54
Basic EPS, GAAP
0.66
1.17
-0.7
-0.87
1.5
0.29
1.23
0.17
0.15
2.74
-1.14
-0.73
1.3
0.32
0.35
0.2
1.19
Free Cash Flow per Basic Share
0.05
0.03
0.11
0.13
0.1
0.11
0.12
0.11
0.13
0.12
0.02
0.05
0.08
0.21
0.26
0.31
0.07
Dividend per Share
5.64
5.38
4.5
3.78
3.47
3.14
3.02
3.83
3.95
4.2
4.09
8.91
4.1
2.26
2.28
2.35
3.5
Book Value per Share
11.13
12.08
12.31
8.52
9.58
9.07
8.59
8.58
7.98
8.75
8.93
4.99
5.32
3.82
4.35
4.73
4.56
Tangible Book Value per Share
1,707
1,852
1,907
2,401
2,674
2,685
2,623
2,617
2,607
2,614
2,605
2,602
1,975
2,369
2,010
1,898
2,308
Basic Weighted Avg Shares
45,411
25,585
38,633
42,074
40,350
31,445
46,233
49,780
14,520
61,354
37,020
42,546
-21,643
20,056
19,519
26,864
-4,273
Sales/Revenue/Turnover
4.12
- -
4.86
2.26
3.39
-1.64
1.74
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,590
1,651
1,239
1,011
944
1,519
1,208
781
1,315
1,184
722
1,167
169
-163
-31
-167
1,160
Depreciation Expense
1,759
884
1,632
986
765
-432
437
2,469
706
1,235
-146
1,980
-570
-179
688
977
-1,248
Net Income, GAAP
8.05
5.44
18.55
16.82
16.48
- -
28.2
2.57
5.23
14.93
- -
8.16
8.59
- -
- -
6.22
- -
Effective Tax Rate (%)
3.87
3.46
4.22
2.34
1.9
-1.37
0.95
4.96
4.86
2.01
-0.39
4.65
2.63
-0.89
3.52
3.64
29.21
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
8,518
9,376
13,416
12,009
15,048
13,361
14,076
14,532
13,583
11,650
11,001
11,981
6,674
4,885
4,958
3,719
6,674
LT Debt
23,425
25,734
26,068
22,719
27,683
26,250
24,341
24,079
22,531
24,433
24,661
13,577
10,935
9,554
9,313
9,495
10,935
Total Equity
5.91
- -
4.01
2.1
2.92
- -
1.47
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
12.65
6.97
9.56
5.83
4.7
- -
3.11
12.36
4.87
7.16
- -
7.54
-2.36
- -
- -
10.89
- -
Return on Capital (%)
18.72
8.42
16.97
10.24
6.68
-4.88
5.34
27.51
6.95
11.6
-1.35
11.71
-3.65
-2.66
13.83
21.58
-7.98
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'22
Sep'22
Dec'22
ST Debt
- -
- -
- -
LT Borrowings
11,820
12,195
6,464
LT Finance Leases
- -
- -
210
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,005
2,017
1,975
Market Capitalization
9,611
9,464
10,942

Working Capital

FRC

•

in mil. unless spec.
Jun'22
Sep'22
Dec'22
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
91,342
89,236
57,626
Accounts Receivable, Net
- -
- -
7,857
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
4,397
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-8.3%
-15.52%
1.95%
Free Cash Flow
140.03%
-78.81%
-45.4%
Net Income, GAAP
-194.04%
-419.18%
42.01%
Sales/Revenue/Turnover
-2.69%
-58.73%
37.63%
Total Cash Common Dividend
27.28%
69.15%
14.4%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
6,097
- -
- -
- -
20,056
2024
- -
- -
- -
- -
19,519
2025
- -
- -
- -
- -
26,864

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.03
- -
- -
- -
-0.08
2024
- -
- -
- -
- -
0.34
2025
- -
- -
- -
- -
0.51

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.21
2024
- -
- -
- -
- -
0.26
2025
- -
- -
- -
- -
0.31
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Aegon N.V. PERP CAP FLTG RT (AEB)
Business
Aegon N.V. Aegon Ltd. is a multinational financial services holding company that provides life insurance, pensions, retirement solutions, asset management, annuities, investment products, protection plans, mortgages, banking services, accident and supplemental health insurance, and general insurance through fully owned businesses, joint ventures, and partnerships. The company operates primarily in the United States via Transamerica and World Financial Group, which serve over ten million customers with life insurance, retirement, and investment solutions; in the United Kingdom through Aegon UK, a leading investment platform for 3.7 million customers offering pensions, savings, and protection products; and via Aegon Asset Management, managing EUR 332 billion in assets for institutional and retail clients including pension plans, insurers, banks, and wealth managers. It maintains additional operations and partnerships in Spain and Portugal with Banco Santander for life, health, and non-life insurance; in Brazil through a majority stake in MAG Seguros for individual protection and pension products; in China via joint ventures for life insurance and asset management; in France with La Banque Postale Asset Management; and in Bermuda with Transamerica Life Bermuda for high-net-worth wealth protection; while holding a strategic approximately 24% shareholding in a.s.r., a leading Dutch insurance and pensions company, following the sale of 12.5 million shares in September 2025. Aegon N.V., with roots tracing to 1844 and formed through the 1983 merger of Dutch insurers AGO and Ennia, maintains its world headquarters in The Hague, Netherlands, a legal seat in Bermuda, and listings on Euronext Amsterdam and the New York Stock Exchange. Recent developments include the July 2023 completion of the combination of its Dutch operations with a.s.r., yielding EUR 2.2 billion in cash and the initial 29.99% stake; announcements in June 2023 to accelerate Transamerica's growth as a middle-market leader and in June 2024 to transform Aegon UK into a premier digital savings and retirement platform; ongoing share buybacks totaling EUR 350 million in 2025; and strong third-quarter 2025 operating capital generation supporting a full-year target of EUR 1.2 billion.