Intrinsiqq
Aegon NV logoAegon NVAEG
$8.32+0.60%
Aegon NV logo

Aegon NV

AEG

$8.32

+$0.05 (+0.60%)

⊜ Compare
ProfitabilityN/AGrowthAcceleratingCash FlowN/AValuationAttractively priced
What stands out

Net margin is thin at 3.65%. This may reflect rising credit costs, rate compression, or operational inefficiency.

What's changing

Revenue grew 37.6% YoY.

What deserves caution

Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.

Valuation context

12.5x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.

Price History

+10.1%

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap€14.05B
EPS€0.59
P/E12.55
Div. Yield3.34%
Net Margin3.6%
P/Book1.5x
52-Week Range
$6.79$9.53

Profitability & Returns

Revenue (TTM)

€26.86B

▲ +37.6% YoY

Net Income (TTM)

€980M

▲ +45.0% YoY

Net Margin

3.65%

P/E

12.5x

Balance Sheet

Total Assets

€317.23B

Equity

€9.49B

Total Debt

€3.73B

Cash & Equiv.

€52.49B

Continue Research

Is Aegon NV (AEG) overvalued?

At a P/E of 12.5 and a price-to-free-cash-flow of 37.0, Aegon NV (AEG) trades below a two-stage DCF intrinsic value of about €29.16 per share, so at €8.32 the stock looks undervalued (250.5% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.

On quality, Aegon NV scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.3%; see dividend safety for coverage and history. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.

Frequently asked

What is Aegon NV's fair value?+

Intrinsiqq's two-stage DCF estimates an intrinsic value of about €29.16 per share for AEG, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €21.87. At today's €8.32, that puts the stock about 250.5% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.

Is Aegon NV a high-quality business?+

Aegon NV scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.

Does Aegon NV (AEG) pay a dividend, and how much?+

Yes, Aegon NV pays a regular dividend of about €0.25 per share per year (typically in quarterly installments), a yield of roughly 3.3% at the current price. That is a payout ratio of about 47.8% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AEG's full payout history, growth streak and dividend-safety score, see the dividends tab.

Is Aegon NV a good stock to buy right now?+

That depends on valuation and quality together, not either alone. AEG currently trades below its estimated intrinsic value and scores 54/100 on quality (mixed). It also yields about 3.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.

Related stocks: Insurance - Diversified

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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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