Aegon

AEG

Insurance - Diversified · Financial Services

Price

$9.01

+0.03 (+0.33%)

Market Cap

$13.55B

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−24.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.06B (2021) → 1.56B (2025)

Aegon is a financial services company based in the Netherlands that sells life insurance, pension plans, and investment products. Its main customers are everyday people planning for retirement, as well as employers who offer workplace benefits. Aegon operates across Europe, the Americas, and Asia, and is one of the larger international insurance and asset management groups.

The company makes money by collecting premiums from insurance customers and fees from managing retirement savings and investment funds. It has a significant presence in the United States through its Transamerica brand, which sells life insurance and retirement products to millions of Americans. Aegon has been restructuring in recent years — selling some businesses and focusing on its core markets — and its main challenge is generating strong returns on capital in an industry where low interest rates and regulatory costs can squeeze profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+16.6% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-38.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.6%ownership

Relatively low insider ownership

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$292.9B cash & investments at current burn rate

Growth context

Aegon is growing revenue at 17% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

1.9%

Thin — 1.9% operating margin

ROCE

2.8%

Weak — 2.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+188.1%

Fast-growing sales (188.1% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

Weak — only 2% of profit becomes cash

FCF Margin

-0.1%

Burning cash (-0.1%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.72

Moderate — manageable debt (0.72)

Interest Cover

12.81x

Comfortably covers interest (12.8x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

9.1x

Attractive valuation — P/E 9.1

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.6

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

5.26%

Healthy income — 5.26% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+53.0%

Dividend growing fast (53.0% YoY)

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