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Aegon NV (NL:AGN)
:AGN
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Aegon NV (AGN) AI Stock Analysis

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NL:AGN

Aegon NV

(LSE:AGN)

Rating:61Neutral
Price Target:
€6.50
▲(4.67%Upside)
Aegon NV's stock score is mainly driven by its financial performance and valuation. While profitability and cash flow have improved, revenue volatility and high leverage are concerns. The valuation is attractive with a solid dividend yield, offsetting some of the risks. Technical analysis slightly dampens the overall score due to neutral to bearish signals.
Positive Factors
Capital Generation
Aegon's capital generation target reiterated is reassuring, with underlying OCG for €320m, better than previous quarters.
Financial Stability
Management reaffirmed its ambition to lower the group's holding cash buffer to €1bn, indicating a strategic focus on financial stability.
Negative Factors
Buyback Concerns
The new buyback of €200m is below analyst's forecast, leading to concerns that Aegon might pursue mergers and acquisitions with the excess capital.
Consensus Miss
Aegon reported an RBC ratio of 436%, missing consensus due to unforeseen impacts from Transamerica and Universal Life policies.

Aegon NV (AGN) vs. iShares MSCI Netherlands ETF (EWN)

Aegon NV Business Overview & Revenue Model

Company DescriptionAegon N.V. is a multinational life insurance, pensions, and asset management company headquartered in The Hague, Netherlands. The company operates across a variety of financial sectors, offering a broad range of insurance products, including life insurance, pensions, and long-term investment solutions. Aegon is active in multiple regions, including the Americas, Europe, and Asia, serving millions of customers worldwide. The company is committed to providing financial security and investment opportunities tailored to meet the needs of individual and institutional clients.
How the Company Makes MoneyAegon N.V. generates revenue primarily through the sale of life insurance policies, pension plans, and asset management services. The company earns money from insurance premiums paid by policyholders, which provide financial protection and savings plans. Additionally, Aegon manages assets for clients, generating fees based on the size and performance of the assets under management. Aegon also invests in financial markets, leveraging its capital to generate returns. The company benefits from strategic partnerships and joint ventures in various regions, enhancing its distribution channels and expanding its market reach. Interest income from invested premiums and assets further contributes to Aegon's revenue, alongside fees and charges associated with the administration of pension and investment products.

Aegon NV Financial Statement Overview

Summary
Aegon NV shows a mixed financial performance with improvements in profitability and cash flow stability. However, revenue inconsistency and high leverage pose risks. Despite recovering from past challenges, high debt and low equity require cautious financial planning.
Income Statement
60
Neutral
Aegon NV's income statement shows a challenging financial trajectory. The net profit margin improved from negative figures in previous years to a positive 3.52% in 2024, indicating a return to profitability. However, revenue has shown volatility, with a significant drop and subsequent recovery. The absence of EBIT in 2024 raises concerns about operational efficiency, although EBITDA margin has improved to 3.25%, suggesting cost management improvements.
Balance Sheet
55
Neutral
The balance sheet reflects a relatively high debt-to-equity ratio of 0.54 in 2024, which indicates moderate leverage. The equity ratio stands at 2.81%, showing a low reliance on equity financing. Return on equity improved to 7.49%, but the overall equity levels have decreased over recent years, raising concerns about long-term financial resilience.
Cash Flow
65
Positive
Aegon NV's cash flow statement indicates a recovery in free cash flow, with a growth rate of -6.95% from 2023 to 2024, showing resilience despite the drop. The operating cash flow to net income ratio is 1.11, indicating that cash generation is aligned with profitability. However, the free cash flow to net income ratio is 1.01, suggesting limited cash surplus for reinvestment or debt reduction.
Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Aegon NV Technical Analysis

Technical Analysis Sentiment
Positive
Last Price6.21
Price Trends
50DMA
6.05
Positive
100DMA
5.83
Positive
200DMA
5.83
Positive
Market Momentum
MACD
0.06
Negative
RSI
58.28
Neutral
STOCH
76.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:AGN, the sentiment is Positive. The current price of 6.21 is above the 20-day moving average (MA) of 6.12, above the 50-day MA of 6.05, and above the 200-day MA of 5.83, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 58.28 is Neutral, neither overbought nor oversold. The STOCH value of 76.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:AGN.

Aegon NV Peers Comparison

Overall Rating
UnderperformOutperform
Sector (70)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
€20.78B9.0310.26%5.73%-4.58%-16.15%
73
Outperform
€15.02B10.437.69%3.65%-5.38%38.01%
72
Outperform
€12.06B13.7611.73%4.92%23.70%-26.24%
70
Neutral
€16.09B9.7613.40%4.09%30.06%32.03%
63
Neutral
€2.42B18.3610.90%7.27%58.95%
61
Neutral
€9.68B14.829.26%5.55%-5.08%
61
Neutral
€31.60B29.6865.51%1.73%5.95%10.49%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NL:AGN
Aegon NV
6.22
0.61
10.84%
NL:VLK
Van Lanschot N.V.
57.10
19.83
53.21%
NL:ABN
ABN AMRO Group N.V.
25.38
10.34
68.79%
NL:ASRNL
ASR Nederland N.V
57.58
13.65
31.08%
NL:NN
NN Group N.V.
58.30
15.13
35.04%
NL:WKL
Wolters Kluwer N.V.
135.65
-19.62
-12.64%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 25, 2025