Aegon N.V.
Aegon N.V. Fundamental Analysis
Aegon N.V. (AEND.DE) shows weak financial fundamentals with a PE ratio of 13.41, profit margin of 3.52%, and ROE of 8.22%. The company generates $18.5B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 44.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze AEND.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakAEND.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAEND.DE trades at attractive valuation levels.
Growth Score
WeakAEND.DE faces weak or negative growth trends.
Financial Health Score
ExcellentAEND.DE maintains a strong and stable balance sheet.
Profitability Score
WeakAEND.DE struggles to sustain strong margins.
Key Financial Metrics
Is AEND.DE Expensive or Cheap?
P/E Ratio
AEND.DE trades at 13.41 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AEND.DE's PEG of 0.13 indicates potential undervaluation.
Price to Book
The market values Aegon N.V. at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.38 times EBITDA. This signals the market has high growth expectations.
How Well Does AEND.DE Make Money?
Net Profit Margin
For every $100 in sales, Aegon N.V. keeps $3.52 as profit after all expenses.
Operating Margin
Core operations generate 3.37 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.22 in profit for every $100 of shareholder equity.
ROA
Aegon N.V. generates $0.21 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 $723.15M, signaling weaker underlying cash strength.
Free Cash Flow
Aegon N.V. produces free cash flow of $660.51M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.35 in free cash annually.
FCF Yield
AEND.DE converts 7.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.41
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.004
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.45
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.54
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.14
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.002
vs 25 benchmark
How AEND.DE Stacks Against Its Sector Peers
| Metric | AEND.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.41 | 18.66 | Better (Cheaper) |
| ROE | 8.22% | 806.00% | Weak |
| Net Margin | 3.52% | -451.00% (disorted) | Weak |
| Debt/Equity | 0.54 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 4.14 | 662.02 | Strong Liquidity |
| ROA | 0.21% | -24409.00% (disorted) | Weak |
AEND.DE outperforms its industry in 3 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
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical