Aegon N.V. (AEGOF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Aegon N.V. (AEGOF) trades at $8.39 with AI Score 66/100 (Grade B+). Aegon N. V. is a multinational financial services company specializing in insurance, pensions, and asset management. Market cap: $12.62B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for AEGOF: AEGOF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates AEGOF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
AEGOF: the 5 perspectives are evenly split. Dominant signal: Seth Klarman bearish.
How is this calculated? →Aegon N.V. (AEGOF) Financial Services Profile
Aegon N.V. (AEGOF) stands as a significant player in the diversified insurance sector, offering a wide range of services including life insurance, pensions, and asset management, primarily in the Americas, the Netherlands, and the UK.
What Is the Investment Thesis for AEGOF?
Aegon N.V. presents a robust investment thesis driven by its strong market capitalization of $12.62B and a P/E ratio of 11.2, indicating solid earnings potential. The company’s diversified portfolio, including life insurance and asset management, positions it well to capitalize on the growing demand for retirement solutions amidst an aging population. Aegon's ongoing efforts in digital transformation and risk management are expected to enhance operational efficiency and customer engagement. Furthermore, with a dividend yield of 5.48%, Aegon provides attractive returns to shareholders. However, potential risks include regulatory changes and interest rate fluctuations that could impact profitability. Investors should monitor these factors closely as they evaluate Aegon's future performance.
Based on FMP financials and quantitative analysis
AEGOF Key Highlights
- Market capitalization of $12.62B, indicating strong financial stability.
- P/E ratio of 11.2, suggesting attractive earnings relative to its stock price.
- Profit margin of 3.8%, reflecting operational efficiency in its diverse service offerings.
- Dividend yield of 5.48%, providing consistent returns to shareholders.
- Beta of 0.60, indicating lower volatility compared to the broader market.
Who Are AEGOF's Competitors?
AEGOF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BDOUF BDO Unibank, Inc. | $2.12 | +0.00% | $113.10B | 62 |
| AGESY ageas SA/NV | $80.84 | +0.29% | $16.63B | 64 |
| KPCUF Kasikornbank Public Company Limited | $6.55 | +1.71% | $15.52B | 56 |
| BBSEY BB Seguridade Participações S.A. | $7.56 | +1.92% | $14.68B | 50 |
| SLLDY Sanlam Limited | $11.35 | +3.46% | $11.85B | 52 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| AIVAF Aviva plc | $8.45 | +0.00% | $25.28B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AEGOF's Key Strengths?
- Strong market capitalization of $12.62B.
- Diverse range of financial products and services.
- Established presence in key markets like the Americas and Europe.
- Robust risk management practices.
What Are AEGOF's Weaknesses?
- Exposure to regulatory changes in financial services.
- Lower liquidity as an OTC stock compared to exchange-listed peers.
- Potential vulnerability to interest rate fluctuations.
- Profit margin of 3.8% may limit competitive pricing strategies.
What Could Drive AEGOF Stock Higher?
- Expansion of digital banking solutions to enhance customer engagement.
- Strategic partnerships to improve product offerings and market reach.
- Continuous investment in technology to streamline operations and reduce costs.
- Launch of new sustainable investment products targeting socially conscious investors.
- Focus on regulatory compliance to mitigate risks in the financial services landscape.
What Are the Key Risks for AEGOF?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Regulatory changes impacting operational practices and profitability.
- Interest rate fluctuations affecting investment income and policy pricing.
- Competitive pressures from fintech companies and traditional insurers.
- Economic downturns leading to reduced consumer spending on insurance products.
What Are the Growth Opportunities for AEGOF?
- Expansion in the Americas: Aegon has significant growth potential in the Americas, where the demand for retirement solutions is increasing due to an aging population. The U.S. retirement market is projected to reach $35 trillion by 2030, providing Aegon with ample opportunities to enhance its market share through tailored pension and investment products.
- Digital Transformation: Aegon is investing in digital banking and fintech solutions to improve customer engagement and streamline operations. The global fintech market is expected to grow to $460 billion by 2025, positioning Aegon to capture new customers and enhance service delivery through innovative platforms.
- Sustainability Initiatives: As environmental, social, and governance (ESG) considerations become more critical, Aegon is focusing on sustainable investment strategies. The global sustainable investment market is projected to exceed $53 trillion by 2025, providing Aegon with opportunities to attract socially conscious investors and enhance its product offerings.
- International Expansion: Aegon is exploring opportunities to expand its footprint in emerging markets, where insurance penetration is low. The global insurance market in emerging economies is expected to grow at a CAGR of 8% through 2028, allowing Aegon to tap into new customer segments and diversify its revenue streams.
- Product Innovation: Aegon is committed to developing new insurance and pension products that cater to evolving consumer needs. The global life insurance market is projected to grow at a CAGR of 5% through 2027, providing Aegon with opportunities to introduce innovative solutions that address changing demographics and preferences.
What Opportunities Does AEGOF Have?
- Growing demand for retirement solutions in aging populations.
- Expansion into emerging markets with low insurance penetration.
- Increased focus on sustainable investment strategies.
- Technological advancements enabling digital transformation.
What Threats Does AEGOF Face?
- Intense competition from both traditional insurers and fintech startups.
- Economic downturns affecting consumer spending on insurance.
- Regulatory scrutiny and compliance costs.
- Market volatility impacting investment performance.
What Are AEGOF's Competitive Advantages?
- Strong brand recognition and trust built over decades.
- Diverse product portfolio catering to various customer segments.
- Established distribution networks across multiple regions.
- Robust risk management frameworks enhancing financial stability.
- Commitment to innovation and digital transformation.
What Does AEGOF Do?
Aegon N.V., founded in 1983, is a leading multinational company that provides a diverse array of financial services, including insurance, pensions, and asset management. Headquartered in The Hague, the Netherlands, Aegon has established a significant presence in key markets such as the Americas, the Netherlands, and the United Kingdom. The company’s offerings encompass life, accident, and health insurance, as well as savings products, pension plans, annuities, mutual funds, property and casualty insurance, and individual retirement accounts. Aegon also provides various financial instruments, including debt securities, mortgage loans, derivatives, and reinsurance assets, alongside digital banking solutions and credit risk management services. Over the years, Aegon has evolved through strategic acquisitions and partnerships, positioning itself as a trusted provider of retirement solutions and asset management services. With approximately 15,582 employees, Aegon is committed to delivering innovative financial solutions that cater to individuals and institutions alike, ensuring long-term financial security for its clients.
What Products and Services Does AEGOF Offer?
- Provide life, accident, and health insurance products.
- Offer savings, pension, and annuity solutions.
- Manage mutual funds and investment portfolios.
- Deliver property and casualty insurance services.
- Facilitate retirement plans and individual retirement accounts.
- Provide digital banking and financial services.
How Does AEGOF Make Money?
- Generate revenue through premiums from insurance policies.
- Earn fees from asset management and investment services.
- Collect interest from loans and mortgage products.
- Receive income from annuities and pension contributions.
- Offer advisory services for retirement planning.
What Industry Does AEGOF Operate In?
The insurance and financial services industry is experiencing significant transformation driven by technological advancements and changing consumer preferences. As individuals increasingly seek personalized financial solutions, companies like Aegon N.V. are well-positioned to leverage their diversified product offerings to meet these demands. The global insurance market is projected to grow at a CAGR of 6% through 2028, driven by rising awareness of financial security and the increasing need for retirement planning. Aegon faces competition from both traditional insurers and emerging fintech companies, necessitating continuous innovation and strategic positioning to maintain its market share.
Who Are AEGOF's Key Customers?
- Individuals seeking life and health insurance coverage.
- Businesses looking for employee benefits and retirement plans.
- Institutional investors requiring asset management services.
- Clients needing financial planning and advisory services.
- Retirees seeking sustainable income solutions.
Company Profile
Aegon N.V. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in The Hague, NL. The company is led by CEO E. Lard Friese. AEGOF has traded publicly since 2007.
Aegon N.V. Financial Trajectory
Aegon N.V. (AEGOF) reported $19.13B in revenue for Q4 2025, reflecting 475.1% growth compared to the prior quarter. The company recorded net income of $391.9M, with diluted EPS of $0.26. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, AEGOF averaged $0.19 in diluted EPS.
How Aegon N.V. Is Valued
Aegon N.V. carries a market capitalization of $12.62B, placing it in the large-cap category. Relative to its peer group, AEGOF's quantitative score of 66/100 is roughly in line with the peer average of 57/100.
ROE 12%Key Financial Metrics
Return on equity for Aegon N.V. stands at 11.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. AEGOF trades at a trailing price-to-earnings ratio of 11.17, below the Financial Services sector average of ~18x. Its free cash flow yield is -4.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
Aegon N.V.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Aegon N.V. revenue of about $9.20B for fiscal 2026, with EPS near $0.91.
AEGOF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market capitalization of $12.62B.
- Diverse range of financial products and services.
- Established presence in key markets like the Americas and Europe.
- Robust risk management practices.
Bear Case
- Exposure to regulatory changes in financial services.
- Lower liquidity as an OTC stock compared to exchange-listed peers.
- Potential vulnerability to interest rate fluctuations.
- Profit margin of 3.8% may limit competitive pricing strategies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $19.13B | $392M | $0.26 |
| Q2 2025 | $3.33B | $292M | $0.18 |
| Q4 2024 | $16.29B | $714M | $0.33 |
| Q2 2024 | $3.23B | -$26M | -$0.03 |
Based on FMP financials and quantitative analysis
AEGOF Latest News
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· Mar 24, 2020
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· Feb 27, 2020
AEGOF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AEGOF.
Price Targets
Wall Street price target analysis for AEGOF.
AEGOF MoonshotScore
What does this score mean?
The MoonshotScore rates AEGOF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: E. Lard Friese
CEO
E. Lard Friese has extensive experience in the financial services industry, having held various leadership roles within Aegon N.V. since joining the company. He holds a degree in Economics and has a strong track record in driving growth and innovation in insurance and asset management sectors.
Track Record: Under Friese's leadership, Aegon has focused on digital transformation and enhancing customer engagement, leading to improved operational efficiency and financial performance.
AEGOF OTC Market Information
The OTC Other tier refers to securities that do not meet the stringent listing requirements of major exchanges like NYSE or NASDAQ. These stocks may have lower trading volumes and less stringent reporting standards, which can impact liquidity and investor confidence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to exchange-listed securities.
- Potential for higher volatility in stock price.
- Less stringent reporting requirements may lead to less transparency.
- Limited analyst coverage compared to larger companies.
- Review Aegon's financial statements and performance metrics.
- Assess the company's risk management practices.
- Evaluate the competitive landscape and market position.
- Monitor regulatory developments affecting the financial services sector.
- Examine Aegon's digital transformation initiatives.
- Established brand with a long history in the financial services industry.
- Regulatory compliance with financial authorities in operating regions.
- Transparent financial reporting and disclosures.
- Strong market capitalization indicating investor confidence.
AEGOF Financial Services Stock FAQ
What does Aegon N.V. do?
Aegon N.V. provides a comprehensive range of financial services, including life, accident, and health insurance, as well as pensions, asset management, and digital banking solutions. The company operates primarily in the Americas, the Netherlands, and the United Kingdom, catering to both individual and institutional clients.
What are the main risks for AEGOF?
Aegon N.V. faces several risks, including regulatory changes that could impact its operational practices and profitability. Additionally, interest rate fluctuations may affect investment income and policy pricing. The company also contends with competitive pressures from both fintech companies and traditional insurers, as well as potential economic downturns that could lead to reduced consumer spending on insurance products.
How is Aegon N.V. adapting to fintech disruption?
Aegon N.V. is actively investing in digital transformation initiatives to enhance its service offerings and improve customer engagement. This includes the development of digital banking solutions and partnerships with fintech companies, allowing Aegon to leverage technology to streamline operations and meet the evolving needs of its clients.
What are the key factors to evaluate for AEGOF?
Aegon N.V. (AEGOF) holds an AI score of 66/100 (moderate). P/E: 11.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does AEGOF data refresh on this page?
AEGOF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven AEGOF's recent stock price performance?
Aegon N.V. (AEGOF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market capitalization of $12.62B. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AEGOF overvalued or undervalued right now?
Aegon N.V. (AEGOF) trades at 11.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AEGOF?
Before investing in Aegon N.V. (AEGOF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
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- Data is based on the latest available information and may be subject to change.