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Earnings transcript
Read the complete earnings call transcript.
AEG
Aegon Ltd.
$8.32
0.05
(0.6%)
| Exchange: | NYSE |
| Market Cap: | 12.683B |
| Shares Outstanding: | 682.402M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Insurance – DiversifiedView industry performance | |||||
| CEO: | E. Lard Friese | |||||
| Full Time Employees: | 15304 | |||||
| Address: |
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| Website: | https://www.aegon.com |
Aegon Ltd. functions as a leading financial services provider, offering a comprehensive suite of insurance, retirement planning, and asset management solutions across its operational regions in the Americas, the Netherlands, and the United Kingdom. The company’s diverse product range includes life, accident, and health insurance, alongside property and casualty coverage. It also facilitates wealth growth and retirement security through savings vehicles, pensions, annuities, mutual funds, individual retirement accounts, voluntary employee benefits, and stable value programs. Beyond these, Aegon deals in various financial instruments such as debt and mortgage-backed securities, derivatives, reinsurance assets, and short-term investments, while also delivering services like credit risk management, disability assistance, and innovative digital banking platforms. Established in 1983 as Aegon N.V., the firm’s main offices are located in The Hague, Netherlands.
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Revenue Segmentation
AEG full analysis
Welcome to MARKETSNAP’s SWOT analysis for Aegon! If you’re a long-term investor looking to dig into a global player in the insurance and financial services space, you’ve come to the right place. Today, we’re breaking down Aegon, a well-established name headquartered in the Netherlands, operating in the life insurance, pensions, and asset management sectors. For those who might not be as familiar, Aegon serves millions of customers across multiple regions, with a strong footprint in Europe, the Americas, and parts…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| AEG | Aegon Ltd. | 12.7B | 11.4 | 7.4 | 0.3% |
 BNT | Brookfield Wealth Solutions Ltd. | 12.2B | 77.5 | — | 2.0% |
 AEFC | Aegon Funding Company LLC | 13.4B | 11.3 | — | 0.3% |
 AXS | AXIS Capital Holdings Limited | 7.3B | 6.1 | 8.1 | 79.4% |
 WTM | White Mountains Insurance Group, Ltd. | 5.2B | 4.7 | 20.3 | 8.6% |
 GNW | Genworth Financial, Inc. | 3.4B | 17.2 | 8.3 | 0.9% |
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 12,978,000 | 19,519,000 | 26,864,000 |
| Gross Profit | 2,368,000 | 19,519,000 | 5,669,000 |
| EBITDA | -204,000 | 635,000 | 1,167,047.222 |
| Operating Income | 12,374,000 | 657,000 | 1,003,756.664 |
| Net Income | -179,000 | 688,000 | 977,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 301,581,000 | 327,390,000 | 317,097,984.049 |
| Total Liabilities | 292,027,000 | 318,077,000 | 309,483,226.307 |
| Total Stockholders Equity | 7,549,000 | 9,187,000 | 7,529,793.917 |
| Total Debt | 4,917,000 | 4,995,000 | 5,603,614.058 |
| Cash and Cash Equivalents | 4,074,000 | 3,468,000 | 3,186,643.171 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 864,000 | 762,000 | 891,374.339 |
| Capital Expenditure | -116,000 | -51,000 | -39,381.842 |
| Free Cash Flow | 748,000 | 696,000 | 851,992.497 |
| Net Income | 0 | 688,000 | 938,440.441 |
| Net Change in Cash | -4,412,000 | -605,000 | -324,512.003 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,115,245.324 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 10,115,245.324 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 10,115,245.324 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 2,380,711.366 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 2,380,711.366 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 2,380,711.366 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 1,605,131.873 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 1,605,131.873 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 1,605,131.873 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 637,739.010 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 637,739.010 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 637,739.010 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.030 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.030 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.030 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Operating Performance: Aegon reported an operating result of nearly €1.5 billion for the second half of 2024, reflecting strong financial performance and operational efficiency, as highlighted in the latest earnings call transcript. This indicates robust core business profitability.
- Strategic Transformation Progress: The company emphasized ongoing strategic transformation initiatives during the Q2 2024 earnings call, focusing on optimizing its portfolio and improving long-term value creation, which could enhance competitiveness within the insurance and financial services sector.
- Positive Free Cash Flow: Based on cash flow statement data, Aegon demonstrates consistent free cash flow generation, with strong operating cash flow metrics. This provides financial flexibility for reinvestment and debt management.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates AEG intrinsic value between $4.45 – $9.09 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about AEG valuation
Is Aegon Ltd. (AEG) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Aegon Ltd. (AEG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is AEG a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AEG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is AEG’s P/E ratio?
You can see AEG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for AEG?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is AEG a good long-term investment?
Whether AEG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
AEG
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Daily snapshot
0.6
Trading Metrics:
| Open: | 8.35 | Previous Close: | 8.27 | |
| Day Low: | 8.3 | Day High: | 8.39 | |
| Year Low: | 6.75 | Year High: | 9.61 | |
| Price Avg 50: | 8.97 | Price Avg 200: | 8.28 | |
| Volume: | 9.309M | Average Volume: | 5.08M |
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