Saturday 17 October 2026
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Aegon NV
AEG Financial Insurance Diversified
Aegon NV’s revenue for fiscal 2025 (year ended December 2025) was $13.0 billion, down 7.24% from fiscal 2024. Dividend growth for five consecutive years.
8.32
0.05
+0.60%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | 5 | 6 | 3 | 3 | 6 | 5 | 5 | 6 |
P/E ratio |
22.64 | 5.95 | 4.48 | 3.53 | 6.79 | 5.61 | 0.00 | 0.00 | 0.00 | 0.00 |
P/S ratio |
0.40 | 0.45 | 0.28 | 0.22 | 0.18 | 0.43 | 0.57 | 0.69 | 0.71 | 0.93 |
P/FCF ratio |
4.14 | 32.40 | 2.67 | 1.12 | 2.05 | 0.00 | 4.42 | 3.18 | 3.69 | 9.92 |
P/Operating CF |
38.64 | 35.85 | 6.70 | 7.30 | (4.34) | 19.39 | 12.35 | 12.30 | 18.88 | (86.18) |
P/B ratio |
0.55 | 0.61 | 0.55 | 0.48 | 0.38 | 0.41 | 0.86 | 1.15 | 1.42 | 1.62 |
Price to Tangible BV |
0.59 | 0.65 | 0.57 | 0.50 | 0.39 | 0.43 | 0.94 | 1.19 | 1.52 | 1.71 |
EV/Sales |
0.47 | 0.56 | 0.41 | 0.16 | 0.24 | 0.63 | 0.71 | 0.78 | 0.75 | 0.99 |
EV/EBITDA |
9.60 | 5.91 | 5.06 | 2.57 | 3.86 | 4.33 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
4.80 | 33.11 | 3.79 | 0.84 | 2.61 | (8.81) | 5.31 | 3.54 | 3.81 | 10.09 |
EV/FCF |
4.93 | 40.42 | 3.88 | 0.85 | 2.67 | (8.31) | 5.48 | 3.59 | 3.88 | 10.55 |
Quick Ratio |
0.07 | 0.09 | 0.09 | 0.09 | 0.07 | 0.07 | 0.09 | 0.08 | 0.06 | 0.07 |
Current Ratio |
0.07 | 0.09 | 0.09 | 0.09 | 0.07 | 0.07 | 0.09 | 0.08 | 0.06 | 0.07 |
Net Debt/EBITDA |
0.90 | 0.94 | 1.66 | (0.24) | 2.00 | 1.36 | (13.30) | 526.05 | 1.35 | 0.17 |
Debt/Assets |
3.27% | 3.64% | 3.43% | 2.61% | 2.39% | 2.53% | 1.58% | 1.53% | 1.43% | 1.09% |
Debt/Equity |
0.57 | 0.60 | 0.60 | 0.47 | 0.43 | 0.45 | 0.45 | 0.48 | 0.50 | 0.36 |
Asset Turnover |
0.08 | 0.08 | 0.07 | 0.07 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
10.92 | 0.24 | 0.87 | 6.34 | 15.51 | (0.93) | (1.94) | (3.81) | 1.25 | 0.47 |
Capex/Depreciation |
(0.07) | (0.13) | (0.08) | (0.07) | (0.15) | (0.09) | (0.08) | 0.41 | 1.48 | 0.29 |
Interest Coverage |
4.78 | 7.12 | 2.99 | 3.76 | 0.78 | 7.44 | (4.20) | 0.37 | 2.33 | 13.05 |
| 1.17% | 9.76% | 2.62% | 4.77% | (0.76%) | 7.74% | (6.71%) | (1.94%) | 6.48% | 10.05% | |
| 0.07% | 0.58% | 0.15% | 0.27% | (0.04%) | 0.43% | (0.32%) | (0.07%) | 0.19% | 0.29% | |
ROIC |
3.85% | 6.98% | 3.48% | 5.09% | 0.92% | 4.97% | (5.04%) | 1.02% | 5.45% | 26.46% |
Return on Tangible Assets |
(0.09%) | (0.79%) | (0.20%) | (0.34%) | 0.05% | (0.52%) | 0.58% | 0.09% | (0.22%) | (0.34%) |
Average Days of Receivables |
121.55 | 212.56 | 258.87 | 269.70 | 269.02 | 303.94 | 362.48 | 462.78 | 451.63 | 545.04 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | (5.34%) | (2.51%) | (4.91%) |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(28.31) | (23.29) | (30.41) | (34.58) | (44.45) | (38.11) | (29.75) | (30.06) | (23.50) | (18.72) |
Graham Number |
7.59 | 15.80 | 0.00 | 0.00 | 0.00 | 15.42 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
4.42% | 16.82% | 22.30% | 28.32% | 14.73% | 17.83% | (11.77%) | (13.83%) | (13.45%) | (10.28%) |
Free Cash Flow Yield |
24.17% | 3.09% | 37.50% | 89.58% | 48.89% | (17.54%) | 22.63% | 31.45% | 27.07% | 10.08% |
Revenue per Share |
14.20 | 14.24 | 13.10 | 12.08 | 11.25 | 11.46 | 8.83 | 7.49 | 6.97 | 6.85 |
Operating CF per Share |
1.40 | 0.24 | 0.23 | 3.13 | (1.25) | (0.82) | 1.18 | 0.49 | 0.41 | 0.26 |
Capex per Share |
(0.04) | (0.04) | (0.05) | (0.04) | (0.05) | (0.05) | (0.04) | (0.04) | (0.02) | (0.03) |
Free Cash Flow per Share |
1.36 | 0.20 | 0.19 | 3.09 | (1.30) | (0.87) | 1.14 | 0.46 | 0.39 | 0.23 |
Cash per Share |
4.79 | 4.65 | 3.96 | 5.25 | 3.67 | 3.13 | 1.41 | 2.33 | 1.87 | 1.63 |
Shareholders Equity per Share |
10.27 | 10.41 | 10.22 | 10.47 | 10.81 | 11.99 | 5.87 | 5.47 | 5.01 | 5.66 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
10.27 | 10.41 | 10.22 | 10.47 | 10.81 | 11.99 | 5.87 | 5.47 | 5.01 | 5.66 |
Free Cash Flow |
3,575.42 | 512.03 | 484.21 | 8,084.16 | (3,385.78) | (2,254.99) | 2,910.04 | 862.59 | 774.78 | 435.59 |
Working Capital |
(356,907.24) | (333,124.31) | (356,294.67) | (379,581.44) | (392,328.67) | (441,012.29) | (268,365.62) | (274,852.27) | (306,452.87) | (311,790.08) |
Capital Expenditures |
(97.38) | (113.03) | (126.37) | (94.08) | (125.65) | (130.14) | (93.77) | (72.51) | (49.78) | (55.44) |
Net Current Asset Value |
(418,880.24) | (386,394.21) | (402,501.37) | (428,746.04) | (447,634.27) | (489,803.39) | (382,462.12) | (293,675.67) | (323,100.97) | (325,675.78) |
EV/EBIT |
9.60 | 5.91 | 5.06 | 2.57 | 3.86 | 6.36 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
8.05 | 4.74 | 3.48 | 3.39 | 2.95 | 4.36 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
6.51% | 0.92% | 0.92% | 14.97% | (6.79%) | (4.22%) | 11.54% | 4.37% | 4.10% | 2.46% |
Accounts Receivable Turnover |
2.99 | 2.19 | 1.49 | 1.33 | 1.30 | 1.28 | 0.95 | 0.70 | 0.79 | 0.71 |
Accounts Payable Turnover |
0.15 | 0.17 | 0.06 | 0.18 | 0.14 | 0.14 | (0.02) | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
Average Days of Payables |
2,443.99 | 2,154.35 | 6,205.08 | 2,074.33 | 2,666.19 | 2,843.75 | (11,270.87) | 0.00 | 0.00 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
Average Receivables |
12,451.27 | 17,053.40 | 22,961.40 | 23,776.99 | 22,468.05 | 23,218.26 | 23,577.55 | 20,147.15 | 17,655.58 | 18,371.61 |
Average Payables |
381,545.60 | 374,115.95 | 378,504.70 | 403,278.00 | 419,575.90 | 448,170.35 | 383,622.35 | 295,381.55 | 312,032.60 | 330,565.05 |
Average Assets |
467,003.20 | 459,143.55 | 455,605.70 | 478,444.70 | 500,079.25 | 530,478.80 | 488,655.30 | 374,861.40 | 340,334.90 | 356,593.05 |
Average Common Equity |
28,733.10 | 27,088.57 | 26,947.06 | 27,012.22 | 27,772.10 | 29,686.65 | 23,075.72 | 12,644.91 | 10,208.95 | 10,410.12 |
Columns are period end dates