Loading stockData sourced from SEC EDGAR 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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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Ageas SA/NV is a Belgian multinational insurance company headquartered in Brussels, serving as the holding company for the Ageas Group. As Belgium's largest insurer, it provides a comprehensive range of life and non-life insurance products, including accident and health coverage, motor insurance, fire insurance, property damage protection, pensions, and reinsurance services through subsidiaries like Intreas and AG Real Estate. The company operates across 13 countries in Europe and Asia, with key segments in Belgium (via 100%-owned AG Insurance, the market leader in both life and non-life), the United Kingdom (third-largest motor insurer through Ageas UK), Continental Europe (Portugal, Turkey, France), and Asia (joint ventures in Malaysia, China, India, Philippines, Vietnam, Thailand). Ageas distributes products through independent brokers, bank channels like BNP Paribas Fortis, affinity partners, and digital platforms, supporting around 50,000 employees and millions of customers worldwide. Emerging from Fortis's insurance remnants post-2008 crisis and rebranded in 2010, Ageas plays a pivotal role in the global insurance market by offering risk mitigation solutions for individuals, SMEs, and corporations, emphasizing stability and partnerships.
€74.45
+€0.25 (+0.34%)
EOD Aug 7, 2026
21.12% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue growth slowed to 4.7%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.2x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€9.04B
▲ +4.7% YoY
Net Income (TTM)
€1.91B
▲ +45.9% YoY
Net Margin
21.12%
P/E
8.2x
Balance Sheet
Total Assets
€107.07B
Equity
€11.50B
Total Debt
€7.13B
Cash & Equiv.
€62.26B
3Y CAGR: +22.7%
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At a P/E of 8.2 and a price-to-free-cash-flow of 5.4, Ageas (AGS.XBRU) trades below a two-stage DCF intrinsic value of about €984.56 per share, so at €74.45 the stock looks undervalued (1,222.4% 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, Ageas scores 75/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 4.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €984.56 per share for AGS.XBRU, 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 €738.42. At today's €74.45, that puts the stock about 1,222.4% 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.
Ageas scores 75 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid 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 SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Ageas pays a regular dividend of about €3.49 per share per year (typically in quarterly installments), a yield of roughly 4.7% at the current price. That is a payout ratio of about 34.4% of earnings, so the dividend is amply covered by earnings. Ageas has grown the dividend at roughly 7.9% a year over the past few years. 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 AGS.XBRU's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. AGS.XBRU currently trades below its estimated intrinsic value and scores 75/100 on quality (solid). It also yields about 4.7%. 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 SEC filings, not investment advice.