Aegon N.V.
Aegon N.V. Fundamental Analysis
Aegon N.V. (AEGOF) shows moderate financial fundamentals with a PE ratio of 10.26, profit margin of 5.13%, and ROE of 10.91%. The company generates $18.2B in annual revenue with weak year-over-year growth of -33.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -3.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze AEGOF's fundamental strength across five key dimensions:
Efficiency Score
WeakAEGOF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAEGOF trades at attractive valuation levels.
Growth Score
WeakAEGOF faces weak or negative growth trends.
Financial Health Score
ModerateAEGOF shows balanced financial health with some risks.
Profitability Score
WeakAEGOF struggles to sustain strong margins.
Key Financial Metrics
Is AEGOF Expensive or Cheap?
P/E Ratio
AEGOF trades at 10.26 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AEGOF's PEG of 0.12 indicates potential undervaluation.
Price to Book
The market values Aegon N.V. at 1.12 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -1.52 times EBITDA. This is generally considered low.
How Well Does AEGOF Make Money?
Net Profit Margin
For every $100 in sales, Aegon N.V. keeps $5.13 as profit after all expenses.
Operating Margin
Core operations generate 4.01 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.91 in profit for every $100 of shareholder equity.
ROA
Aegon N.V. generates $0.32 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Aegon N.V. generates limited operating cash flow of $-28.23M, signaling weaker underlying cash strength.
Free Cash Flow
Aegon N.V. generates weak or negative free cash flow of $-53.68M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.04 in free cash annually.
FCF Yield
AEGOF converts -0.61% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.26
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.49
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.46
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.003
vs 25 benchmark
How AEGOF Stacks Against Its Sector Peers
| Metric | AEGOF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.26 | 18.73 | Better (Cheaper) |
| ROE | 10.91% | 847.00% | Weak |
| Net Margin | 5.13% | 2562.00% | Weak |
| Debt/Equity | 0.46 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 0.32% | -21692.00% (disorted) | Weak |
AEGOF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Aegon N.V.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-67.34%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-43.19%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-89.32%
Industry Style: Value, Dividend, Cyclical
Declining