AEG
Aegon Ltd
$9.13
▲ 0.9%Updated Today 3:42 PM ET
AEG at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 48/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 20.5% over the last 12 months
Market Cap
$12.38B
P/E
11.63x
Forward P/E (est.)
8.31x
ROE
10.5%
Revenue Growth
-1.1%
EPS Growth
45.3%
Profit Margin
7.4%
FCF Yield
-3.1%
Debt / Equity
0.4x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
5.2%
Implied Growth (rev. DCF)
5.4%
Rating Score
48/100
Aegon Ltd (AEG) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $12.38B.
In its latest reported year it generated about $3.59B in revenue and $1.06B in net profit.
Our model rates AEG Neutral (48/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what AEG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. AEG trades near $9.13, above its 50-day average ($8.39) and 200-day average ($7.80). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 54 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. AEG's is $0.14 (~1.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month AEG found buyers near $8.17 (support) and sellers near $8.82 (resistance); its 52-week range is $6.75–$8.82. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.6× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
3Y CAGR
0.2%
Revenue moved from $3.57B in 2022 to $3.59B in 2025, a 0.2% compound annual growth rate. The most recent year declined 1.1% year over year. Shrinking revenue is worth a closer look — is it cyclical or structural?
Gross Margin
—
Operating Margin
4.1%
Net Margin
29.4%
ROE
10.5%
Aegon Ltd keeps about 7.4% of each sales dollar as net profit. Return on equity is 10.5%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$3.13B
Net Debt
$181.44M
Net Debt / EBITDA
—
Debt / Equity
0.4x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $3.13B of total debt against $2.95B of cash.
Operating CF
$468.72M
Free Cash Flow
$424.44M
FCF Margin
11.8%
In the latest year Aegon Ltd produced about $468.72M of operating cash flow and $424.44M of free cash flow after capital spending. That is a free-cash-flow yield of about -3.1% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
5.2%
Total paid (latest FY)
$643.68M
History on record
4 years
dividend uses 152% of free cash flow
61% of net income paid out
total dividends increased 3 years in a row
no cuts in the last 4 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
11.63x
P/S
0.86x
P/B
1.06x
EV / EBITDA
—
AEG trades at 11.6x trailing earnings (about 8.3x on estimated forward earnings), 0.9x sales, and 1.1x book value. Reverse-engineering today's price implies the market expects roughly 5.4% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
—
Current price
$9.13
Starting FCF (latest 10-K)
$424.44M
Growth, years 1–5
-1.1%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where AEG sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How AEG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), AEG ranks #116 of 289 by our overall rating. It trades at a discount versus the sector on earnings (11.6x P/E vs. 15.3x median) with a lower return on equity (10.5% vs. 13.6%) and slower revenue growth (-1.1% vs. 15.9%).
P/E vs sector
11.6x
median 15.3x
ROE vs sector
10.5%
median 13.6%
Growth vs sector
-1.1%
median 15.9%
Sector rank
#116
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $9.13 today · expected CAGR -7% – 3%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $3.69B | $3.80B | $3.92B | $4.04B | $4.16B |
| Net income | $1.07B | $1.10B | $1.14B | $1.17B | $1.21B |
| EPS | $0.79 | $0.81 | $0.84 | $0.86 | $0.89 |
| Share price (low) | $5.53 | $5.70 | $5.87 | $6.04 | $6.22 |
| Share price (high) | $9.48 | $9.76 | $10.06 | $10.36 | $10.67 |
| CAGR (low–high) | -39% / 4% | -21% / 3% | -14% / 3% | -10% / 3% | -7% / 3% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for AEG:
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Pays a 5.2% dividend on top of any price gains.
The case against AEG:
- Revenue growth is slow/negative (-1.1%), limiting the upside engine.
- Limited free cash flow at today's price.
Growth risk — sluggish revenue (-1.1%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Aegon Ltd is a large-cap financials business with shrinking revenue, with modest profitability, and a sound balance sheet. It trades at 11.6x earnings, which our model scores Neutral (48/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 19 Wall Street analysts covering AEG recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-7 pts of buy ratings).
Latest SEC Filings
AEG's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
AEG — frequently asked questions
Is AEG a good stock to buy?
We don't give buy or sell advice. Our model rates Aegon Ltd Neutral (48/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is AEG's rating on The Stocks School?
Aegon Ltd currently scores 48/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does AEG's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Aegon Ltd's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for AEG calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this AEG analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell AEG. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.