Symbols / AEG Stock $8.42 +1.32% Aegon Ltd.

Financial Services • Insurance - Diversified • Netherlands • NYQ
AEG (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Diversified
CEO Mr. E. Lard Friese
Exch · Country NYQ · Netherlands
Market Cap 12.74B
Enterprise Value 17.46B
Income 924.00M
Sales 12.19B
FCF (ttm) -204.50M
Book/sh 5.83
Cash/sh 0.40
Employees 15,304
Insider 10d —
IPO Jun 28, 1985
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 62.81%
P/E 12.03
Forward P/E 9.09
PEG 14.09
P/S 1.04
P/B 1.44
P/C —
EV/EBITDA —
EV/Sales 1.43
Quick Ratio 1.18
Current Ratio 8.00
Debt/Eq 56.94
LT Debt/Eq —
EPS (ttm) 0.70
EPS next Y 0.93
EPS Growth -46.70%
Revenue Growth -13.70%
EPS Gr Q/Q -46.90%
Rev Gr Q/Q —
Earnings (next) 2026-02-19
Earnings (prior) 2026-02-19
ROA 0.14%
ROE 10.42%
ROIC —
Gross Margin 43.98%
Oper. Margin 0.27%
Profit Margin 8.01%
Shs Outstand 1.50B
Shs Float 1.23B
Insider Own 0.00%
Instit Own 10.79%
Short Float 0.20%
Short Ratio 0.37
Short Interest 2.44M
52W High 8.48
vs 52W High -0.71%
52W Low 6.64
vs 52W Low 26.81%
Beta 0.63
Impl. Vol. 43.75%
Rel Volume 0.48
Avg Volume 6.15M
Volume 2.98M
Target (mean) $9.38
Tgt Median $9.40
Tgt Low $8.75
Tgt High $10.00
# Analysts 3
Recom Buy
Prev Close $8.31
Price $8.42
Change 1.32%
About

Aegon Ltd. Engages in the provision of insurance, pensions, retirement, and asset management services in the Americas, the Netherlands, the United Kingdom, and internationally. It operates through three segments: Distribution, Protection Solutions, and Savings & Investments. The company offers retirement plans, mutual funds, and stable value solutions; and annuities, individual life, life and health, and individual health. The company provides its products under the Transamerica and World Financial Group brands. Aegon Ltd. was founded in 1844 and is headquartered in Schiphol, the Netherlands.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$9.38
Mean price target
2. Current target
$8.42
Latest analyst target
3. DCF / Fair value
$-2.45
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$8.42
Low
$8.75
High
$10.00
Mean
$9.38

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-03 down UBS Buy → Neutral —
2024-05-28 down UBS Buy → Neutral —
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
26,864.00
+37.63%
19,519.00
-2.68%
20,056.00
+192.67%
-21,643.00
Operating Revenue
26,864.00
+37.63%
19,519.00
-2.68%
20,056.00
+192.67%
-21,643.00
Selling General And Administration
1,969.00
-0.71%
1,983.00
+5.09%
1,887.00
+9.20%
1,728.00
General And Administrative Expense
1,969.00
-0.71%
1,983.00
+5.09%
1,887.00
+9.20%
1,728.00
Salaries And Wages
1,285.00
+7.26%
1,198.00
+8.22%
1,107.00
+4.53%
1,059.00
Other Gand A
684.00
-12.87%
785.00
+0.64%
780.00
+16.59%
669.00
Other Operating Expenses
-150.00
+5.06%
-158.00
-422.45%
49.00
+114.37%
-341.00
Total Expenses
22,535.00
+19.47%
18,862.00
-7.74%
20,445.00
+190.98%
-22,472.00
Reconciled Depreciation
-167.00
-438.71%
-31.00
+80.98%
-163.00
-196.45%
169.00
EBIT
1,051.00
+57.81%
666.00
+273.44%
-384.00
-146.04%
834.00
Total Unusual Items
—
—
—
-68.00
Total Unusual Items Excluding Goodwill
—
—
—
-68.00
Special Income Charges
—
—
—
-68.00
Write Off
—
—
—
68.00
Net Income
977.00
+42.01%
688.00
+484.36%
-179.00
+68.60%
-570.00
Pretax Income
1,045.00
+58.33%
660.00
+268.80%
-391.00
-147.28%
827.00
Net Non Operating Interest Income Expense
-6.00
+0.00%
-6.00
+14.29%
-7.00
+0.00%
-7.00
Interest Expense Non Operating
6.00
+0.00%
6.00
-14.29%
7.00
+0.00%
7.00
Net Interest Income
-6.00
+0.00%
-6.00
+14.29%
-7.00
+0.00%
-7.00
Interest Expense
6.00
+0.00%
6.00
-14.29%
7.00
+0.00%
7.00
Interest Income
5,813.00
+0.29%
5,796.00
+4.96%
5,522.00
+6.73%
5,174.00
Other Income Expense
31.00
+14.81%
27.00
-6.90%
29.00
-25.64%
39.00
Tax Provision
65.00
+506.25%
-16.00
+92.34%
-209.00
-394.37%
71.00
Tax Rate For Calcs
0.00
-80.62%
0.00
+0.00%
0.00
+200.52%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
980.00
+44.97%
676.00
+439.70%
-199.00
+63.15%
-540.00
Net Income From Continuing Operation Net Minority Interest
977.00
+42.01%
688.00
+524.69%
-162.00
-122.31%
726.00
Net Income From Continuing And Discontinued Operation
977.00
+42.01%
688.00
+484.36%
-179.00
+68.60%
-570.00
Net Income Continuous Operations
980.00
+44.97%
676.00
+471.43%
-182.00
-124.07%
756.00
Net Income Discontinuous Operations
0.00
0.00
+100.00%
-17.00
+98.69%
-1,296.00
Minority Interests
-3.00
-125.00%
12.00
-40.00%
20.00
+168.97%
-29.00
Normalized Income
977.00
+42.01%
688.00
+524.69%
-162.00
-122.31%
726.00
Net Income Common Stockholders
925.00
+51.39%
611.00
+369.16%
-227.00
+62.54%
-606.00
Otherunder Preferred Stock Dividend
52.00
-32.47%
77.00
+60.42%
48.00
+33.33%
36.00
Diluted EPS
—
0.37
+408.33%
-0.12
+85.02%
-0.80
Basic EPS
—
0.37
+408.33%
-0.12
+85.02%
-0.80
Basic Average Shares
—
2,010.00
-15.15%
2,369.00
+19.94%
1,975.18
Diluted Average Shares
—
2,010.00
-15.15%
2,369.00
+19.94%
1,975.18
Diluted NI Availto Com Stockholders
925.00
+51.39%
611.00
+369.16%
-227.00
+62.54%
-606.00
Amortization
18.00
+5.88%
17.00
+30.77%
13.00
+44.44%
9.00
Depreciation And Amortization In Income Statement
18.00
+5.88%
17.00
+30.77%
13.00
+44.44%
9.00
Loss Adjustment Expense
20,240.00
+21.71%
16,630.00
-5.98%
17,687.00
+171.68%
-24,676.00
Net Policyholder Benefits And Claims
20,240.00
+21.71%
16,630.00
-5.98%
17,687.00
+171.68%
-24,676.00
Policyholder Benefits Ceded
1,412.00
+48.79%
949.00
+4.52%
908.00
+12.10%
810.00
Policyholder Benefits Gross
21,652.00
+23.17%
17,579.00
-5.46%
18,595.00
+177.91%
-23,866.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
317,233.00
-3.10%
327,390.00
+8.56%
301,581.00
-20.78%
380,711.00
Cash Cash Equivalents And Short Term Investments
52,490.00
-9.79%
58,184.00
+6.88%
54,438.00
-5.53%
57,626.00
Cash And Cash Equivalents
2,733.00
-21.19%
3,468.00
-14.87%
4,074.00
+19.75%
3,402.00
Other Short Term Investments
49,757.00
-9.06%
54,716.00
+8.64%
50,364.00
-7.12%
54,224.00
Receivables
3,472.00
-9.35%
3,830.00
+7.37%
3,567.00
-54.60%
7,857.00
Accounts Receivable
3,472.00
-9.35%
3,830.00
+7.37%
3,567.00
-54.60%
7,857.00
Net PPE
336.00
-16.00%
400.00
-7.62%
433.00
+174.05%
158.00
Goodwill And Other Intangible Assets
519.00
-9.74%
575.00
+14.09%
504.00
+20.00%
420.00
Goodwill
313.00
-9.28%
345.00
+18.56%
291.00
-7.91%
316.00
Other Intangible Assets
206.00
-10.43%
230.00
+7.98%
213.00
+104.81%
104.00
Investments And Advances
288,866.00
-3.01%
297,827.00
+10.21%
270,229.00
+5.62%
255,854.00
Long Term Equity Investment
4,204.00
-9.10%
4,625.00
+6.67%
4,336.00
+171.85%
1,595.00
Total Liabilities Net Minority Interest
307,738.00
-3.25%
318,077.00
+8.92%
292,027.00
-21.03%
369,776.00
Payables And Accrued Expenses
3,259.00
-14.80%
3,825.00
-6.73%
4,101.00
-6.73%
4,397.00
Payables
2,956.00
-15.37%
3,493.00
-7.42%
3,773.00
-6.26%
4,025.00
Accounts Payable
1,158.00
-12.27%
1,320.00
-37.56%
2,114.00
+85.76%
1,138.00
Other Payable
1,736.00
-17.80%
2,112.00
+32.08%
1,599.00
-43.46%
2,828.00
Current Accrued Expenses
303.00
-8.73%
332.00
+1.22%
328.00
-11.83%
372.00
Employee Benefits
507.00
-11.98%
576.00
-13.90%
669.00
+34.88%
496.00
Total Tax Payable
62.00
+1.64%
61.00
+1.67%
60.00
+1.69%
59.00
Income Tax Payable
62.00
+1.64%
61.00
+1.67%
60.00
+1.69%
59.00
Current Debt And Capital Lease Obligation
10.00
-72.97%
37.00
+15.63%
32.00
—
Current Debt
10.00
-72.97%
37.00
+15.63%
32.00
—
Other Current Borrowings
10.00
-72.97%
37.00
+15.63%
32.00
—
Long Term Debt And Capital Lease Obligation
3,719.00
-24.99%
4,958.00
+1.49%
4,885.00
-26.81%
6,674.00
Long Term Debt
3,532.00
-25.52%
4,742.00
+1.32%
4,680.00
-27.60%
6,464.00
Long Term Capital Lease Obligation
187.00
-13.43%
216.00
+5.37%
205.00
-2.38%
210.00
Long Term Provisions
97.00
-1.02%
98.00
+18.07%
83.00
-17.00%
100.00
Defined Pension Benefit
95.00
-13.64%
110.00
+6.80%
103.00
+18.39%
87.00
Non Current Deferred Liabilities
18.00
-74.29%
70.00
+11.11%
63.00
+70.27%
37.00
Non Current Deferred Revenue
5.00
-16.67%
6.00
+0.00%
6.00
-14.29%
7.00
Non Current Deferred Taxes Liabilities
13.00
-79.69%
64.00
+12.28%
57.00
+90.00%
30.00
Stockholders Equity
9,410.00
+2.43%
9,187.00
-2.54%
9,426.00
-12.38%
10,758.00
Common Stock Equity
9,410.00
+2.43%
9,187.00
-2.54%
9,426.00
-12.38%
10,758.00
Capital Stock
229.00
-4.98%
241.00
-9.06%
265.00
-16.93%
319.00
Common Stock
229.00
-4.98%
241.00
-9.06%
265.00
-16.93%
319.00
Share Issued
1,581.32
-4.82%
1,661.43
-8.93%
1,824.27
-14.02%
2,121.79
Ordinary Shares Number
1,512.53
-5.02%
1,592.50
-9.10%
1,751.95
-11.30%
1,975.18
Treasury Shares Number
68.99
-0.21%
69.13
-4.67%
72.52
-50.97%
147.90
Additional Paid In Capital
6,853.00
+0.00%
6,853.00
+0.00%
6,853.00
+0.00%
6,853.00
Retained Earnings
4,238.00
-2.51%
4,347.00
-14.75%
5,099.00
-34.38%
7,770.00
Gains Losses Not Affecting Retained Earnings
-3,442.00
+10.06%
-3,827.00
+12.96%
-4,397.00
+19.45%
-5,459.00
Treasury Stock
447.00
+12.31%
398.00
+15.03%
346.00
-48.20%
668.00
Minority Interest
85.00
-32.54%
126.00
-2.33%
129.00
-26.70%
176.00
Other Equity Adjustments
43.00
-95.48%
951.00
+150.92%
379.00
-43.35%
669.00
Total Equity Gross Minority Interest
9,495.00
+1.95%
9,313.00
-2.52%
9,554.00
-12.63%
10,935.00
Total Capitalization
12,942.00
-7.09%
13,929.00
-1.25%
14,106.00
-18.09%
17,222.00
Invested Capital
12,952.00
-7.26%
13,966.00
-1.22%
14,138.00
-17.91%
17,222.00
Total Debt
3,729.00
-25.35%
4,995.00
+1.59%
4,917.00
-26.33%
6,674.00
Net Debt
809.00
-38.29%
1,311.00
+105.49%
638.00
-79.16%
3,062.00
Capital Lease Obligations
187.00
-13.43%
216.00
+5.37%
205.00
-2.38%
210.00
Net Tangible Assets
8,891.00
+3.24%
8,612.00
-3.47%
8,922.00
-13.70%
10,338.00
Tangible Book Value
8,891.00
+3.24%
8,612.00
-3.47%
8,922.00
-13.70%
10,338.00
Commercial Paper
—
—
—
—
Derivative Product Liabilities
1,469.00
-39.67%
2,435.00
-1.77%
2,479.00
-52.10%
5,175.00
Fixed Assets Revaluation Reserve
-2,519.00
+32.03%
-3,706.00
+1.70%
-3,770.00
+17.38%
-4,563.00
Interest Payable
35.00
+0.00%
35.00
-25.53%
47.00
-63.57%
129.00
Investments In Other Ventures Under Equity Method
4,204.00
-9.10%
4,625.00
+6.67%
4,336.00
+171.85%
1,595.00
Minimum Pension Liabilities
-966.00
+9.89%
-1,072.00
-6.56%
-1,006.00
+35.72%
-1,565.00
Other Equity Interest
1,979.00
+0.41%
1,971.00
+0.97%
1,952.00
+0.46%
1,943.00
Unrealized Gain Loss
—
—
—
-5,516.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
434.00
-43.04%
762.00
-11.81%
864.00
-67.66%
2,672.00
Cash Flow From Continuing Operating Activities
435.00
-42.84%
761.00
-11.72%
862.00
-67.70%
2,669.00
Net Income From Continuing Operations
1,045.00
+58.33%
660.00
+290.75%
-346.00
-1284.00%
-25.00
Depreciation And Amortization
-167.00
-438.71%
-31.00
+80.98%
-163.00
-196.45%
169.00
Other Non Cash Items
12,564.00
+19.35%
10,527.00
+1.72%
10,349.00
+126.98%
-38,353.00
Asset Impairment Charge
69.00
-70.89%
237.00
+104.31%
116.00
+0.87%
115.00
Operating Gains Losses
-26,731.00
-25.80%
-21,248.00
-1.87%
-20,858.00
-134.75%
60,028.00
Gain Loss On Investment Securities
-26,228.00
-26.92%
-20,665.00
-0.61%
-20,540.00
-134.05%
60,321.00
Change In Working Capital
13,705.00
+26.65%
10,821.00
-11.43%
12,217.00
+163.97%
-19,098.00
Change In Payables And Accrued Expense
95.00
+116.21%
-586.00
-32.58%
-442.00
+41.22%
-752.00
Change In Accrued Expense
95.00
+116.21%
-586.00
-32.58%
-442.00
+41.22%
-752.00
Investing Cash Flow
1,010.00
+236.67%
300.00
+115.03%
-1,996.00
-372.31%
733.00
Cash Flow From Continuing Investing Activities
1,010.00
+236.67%
300.00
+115.03%
-1,996.00
-371.93%
734.00
Net PPE Purchase And Sale
-36.00
-16.13%
-31.00
-63.16%
-19.00
+69.84%
-63.00
Purchase Of PPE
-41.00
+19.61%
-51.00
+21.54%
-65.00
+9.72%
-72.00
Sale Of PPE
5.00
-75.00%
20.00
-56.52%
46.00
+411.11%
9.00
Capital Expenditure
-54.00
+18.18%
-66.00
+43.10%
-116.00
-18.37%
-98.00
Net Business Purchase And Sale
659.00
+9314.29%
7.00
+100.31%
-2,239.00
-425.91%
687.00
Purchase Of Business
-97.00
-97.96%
-49.00
+97.82%
-2,251.00
-2106.86%
-102.00
Net Intangibles Purchase And Sale
-13.00
+13.33%
-15.00
+68.75%
-48.00
-84.62%
-26.00
Purchase Of Intangibles
-13.00
+13.33%
-15.00
+70.59%
-51.00
-96.15%
-26.00
Net Other Investing Changes
—
-1.00
—
-2.00
Financing Cash Flow
-2,035.00
-15.95%
-1,755.00
+45.85%
-3,241.00
-76.72%
-1,834.00
Cash Flow From Continuing Financing Activities
-2,035.00
-15.95%
-1,755.00
+45.85%
-3,241.00
-76.81%
-1,833.00
Net Issuance Payments Of Debt
-794.00
-222.76%
-246.00
+84.62%
-1,599.00
-182.51%
-566.00
Issuance Of Debt
946.00
+35.14%
700.00
-73.78%
2,670.00
-25.19%
3,569.00
Repayment Of Debt
-1,740.00
-83.93%
-946.00
+77.84%
-4,269.00
-3.24%
-4,135.00
Long Term Debt Issuance
946.00
+35.14%
700.00
-73.78%
2,670.00
-25.19%
3,569.00
Long Term Debt Payments
-1,740.00
-83.93%
-946.00
+77.84%
-4,269.00
-3.24%
-4,135.00
Net Long Term Debt Issuance
-794.00
-222.76%
-246.00
+84.62%
-1,599.00
-182.51%
-566.00
Net Common Stock Issuance
-549.00
+40.65%
-925.00
+13.71%
-1,072.00
-79.56%
-597.00
Common Stock Payments
-549.00
+40.65%
-925.00
+13.71%
-1,072.00
-79.56%
-597.00
Common Stock Dividend Paid
-596.00
-14.40%
-521.00
-5.47%
-494.00
-195.81%
-167.00
Cash Dividends Paid
-596.00
-14.40%
-521.00
-5.47%
-494.00
-195.81%
-167.00
Repurchase Of Capital Stock
-549.00
+40.65%
-925.00
+13.71%
-1,072.00
-79.56%
-597.00
Net Other Financing Charges
-96.00
-52.38%
-63.00
+17.11%
-76.00
+84.92%
-504.00
Changes In Cash
-591.00
+14.72%
-693.00
+84.15%
-4,373.00
-378.36%
1,571.00
Effect Of Exchange Rate Changes
-144.00
-263.64%
88.00
+331.58%
-38.00
-169.09%
55.00
Beginning Cash Position
3,469.00
-14.85%
4,074.00
-51.99%
8,486.00
+23.68%
6,861.00
End Cash Position
2,733.00
-21.22%
3,469.00
-14.85%
4,074.00
-51.99%
8,486.00
Free Cash Flow
380.00
-45.40%
696.00
-6.95%
748.00
-70.94%
2,574.00
Common Stock Issuance
—
—
—
—
Dividends Received CFI
400.00
+17.65%
340.00
+9.68%
310.00
+126.28%
137.00
Earnings Losses From Equity Investments
-503.00
+13.72%
-583.00
-83.33%
-318.00
-8.53%
-293.00
Issuance Of Capital Stock
—
—
—
—
Sale Of Business
756.00
+1250.00%
56.00
+366.67%
12.00
-98.48%
789.00
Sale Of Intangibles
0.00
0.00
-100.00%
3.00
0.00
Taxes Refund Paid
76.00
+195.00%
-80.00
+75.08%
-321.00
-744.74%
-38.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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