AEG

Financial Services

Aegon Ltd. · Insurance - Diversified · $13B

UQS Score — Balanced Preset
49.8
Below Average

Aegon Ltd. scores 49.8/100 using the Balanced preset.

UQS vs Financial Services Sector
AEG
49.8
Sector avg
39.7
Quality
Weak
Moat
Weak
Growth
Good
Risk
Neutral
Valuation
Attractive

What is Aegon Ltd.?

Aegon Ltd. is a multinational financial services group offering insurance, pensions, and asset management across three major markets. Headquartered in The Hague, the Netherlands, Aegon serves individual and institutional clients in the Americas, the Netherlands, and the United Kingdom.

Aegon generates revenue through life, accident, and health insurance premiums, as well as fees from pension administration and asset management. The company also provides annuities, mutual funds, retirement plans, and voluntary employee benefits. Beyond traditional insurance, Aegon operates in digital banking, mortgage lending, and reinsurance — creating a diversified but complex revenue base spread across multiple geographies and regulatory environments.

Aegon was founded in 1985 and is headquartered in The Hague, the Netherlands.

  • Life, accident, and health insurance products
  • Pension plans, annuities, and individual retirement accounts
  • Asset management and mutual funds
  • Property and casualty insurance
  • Digital banking and stable value solutions

Is AEG a Good Stock to Buy?

UQS Score rates AEG as Below Average overall, reflecting meaningful structural challenges across several key dimensions.

Among AEG's five pillars, Growth stands out as the clearest positive signal, suggesting the business retains some forward momentum. Valuation is rated Attractive, meaning the stock may be priced below what its fundamentals would typically command — a potential entry consideration for patient investors.

Both the Quality and Moat pillars are rated Weak, pointing to below-average earnings durability and limited competitive differentiation relative to sector peers. Risk is Neutral, offering little buffer against those structural weaknesses.

Pro members can view the complete pillar breakdown and underlying financial metrics to form a fuller picture of AEG's investment case. Sign up free →

Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does AEG pay dividends?

Yes — Aegon Ltd. pays a dividend.

Aegon pays a regular dividend, which is common among large, established European insurance and financial services groups. The dividend reflects the company's intent to return capital to shareholders even as it navigates a complex multi-market operating structure. Income-focused investors should verify the current yield and payout schedule directly through Aegon's investor relations page, as distributions can vary with currency and regulatory factors.

When does AEG report earnings?

Aegon Ltd. reports earnings on a regular cadence, consistent with its listing obligations as a large-cap international financial services company.

Aegon's results reflect the dynamics of operating across insurance, pensions, and asset management in multiple geographies. Performance can be influenced by interest rate movements, currency fluctuations, and regulatory changes in each of its core markets.

For the most recent quarterly or half-year results, visit Aegon's official investor relations page at aegon.com.

AEG Price History

+110.8% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Aegon Ltd.?

$
Today it would be worth
$22,244
That's a +122% total return, or +17.3% annualized.

Based on Aegon Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

AEG Long-term Outlook

AEG's Growth pillar rating of Good suggests the business has identifiable expansion pathways, even within a challenging operating environment. However, the Weak Quality and Moat ratings temper the longer-term outlook — sustained growth is harder to defend without durable competitive advantages. The Attractive Valuation label indicates the market may already be pricing in some of these concerns, which could limit downside but also cap upside if structural issues persist.

Growth drivers

  • Expanding pension and retirement solutions demand across aging populations in core markets
  • Asset management fee growth tied to long-term savings trends
  • Digital banking and technology-enabled distribution improving cost efficiency

Key risks

  • Weak Moat rating signals limited pricing power and competitive differentiation
  • Multi-geography regulatory complexity adding operational and compliance risk
  • Interest rate sensitivity across insurance liabilities and investment portfolios

AEG vs Peers

Aegon operates in a competitive financial services landscape alongside diversified insurers and holding companies with overlapping product lines.

EQHSimilar UQS
Equitable Holdings, Inc.

Equitable focuses primarily on the US retirement and wealth management market, giving it a more concentrated geographic footprint than Aegon's multi-continent structure.

ORIAEG scores lower
Old Republic International Corporation

Old Republic emphasizes title insurance and general insurance in North America, operating with a narrower product scope but a long track record of dividend consistency.

POW-PC.TOAEG scores lower
Power Corporation of Canada

Power Corporation is a Canadian holding company with interests in financial services and asset management, offering investors exposure to a similarly diversified but Canada-anchored structure.

Frequently Asked Questions

What does Aegon Ltd. do?

Aegon provides life, accident, and health insurance, along with pension administration, annuities, asset management, and digital banking services. The company operates across the Americas, the Netherlands, and the United Kingdom, serving both individual consumers and institutional clients.

Does AEG pay dividends?

Yes, Aegon pays a regular dividend. As a large European financial services group, returning capital to shareholders through dividends is a core part of its financial strategy. Investors should check Aegon's investor relations page for the current dividend schedule and yield.

When does AEG report earnings?

Aegon reports financial results on a regular cadence in line with its listing requirements. For exact reporting dates and the most recent results, refer to the investor relations section at aegon.com.

Is AEG a good stock to buy?

UQS Score rates AEG as Below Average overall. While the Growth pillar is rated Good and Valuation is Attractive, the Weak Quality and Moat ratings highlight real structural concerns. Whether it fits a portfolio depends on individual risk tolerance and investment goals — the full pillar breakdown is available to Pro members.

Is AEG overvalued?

The UQS Valuation pillar for AEG is rated Attractive, suggesting the stock may be trading at a discount relative to its fundamentals. This does not guarantee upside, particularly given the Weak Quality and Moat ratings, but it does indicate the market is not pricing in a premium for Aegon's business.

How does AEG compare to its competitors?

Compared to peers like Equitable Holdings and Old Republic International, Aegon stands out for its geographic breadth across three major markets. However, that diversification also introduces regulatory and currency complexity that more focused competitors avoid. The UQS competitor comparison section provides a side-by-side quality view.

What is AEG's market cap bracket?

Aegon Ltd. is classified as a large-cap company, reflecting its scale as a multinational insurance and financial services group with significant assets under management and a broad international customer base.

Who founded Aegon?

Aegon traces its origins to Dutch insurance companies with roots going back to the nineteenth century. The modern Aegon N.V. entity was formally established in 1983 through a merger. Full founding history is publicly available through Aegon's corporate website.

Is AEG a long-term quality investment?

As a long-term quality indicator, AEG's UQS profile presents a mixed picture. The Attractive Valuation and Good Growth ratings offer some encouragement, but the Weak Quality and Moat pillars suggest the business lacks the durable competitive advantages typically associated with high-conviction long-term holdings. Pro members can access the full analysis.

What is the main competitive advantage of Aegon?

Aegon's scale across insurance, pensions, and asset management in multiple geographies provides some diversification benefit. However, the UQS Moat pillar is rated Weak, indicating that this breadth has not translated into a clearly defensible competitive position relative to sector peers.

What sector does AEG belong to?

Aegon operates in the Financial Services sector, specifically within the insurance and asset management industry. It competes with other diversified insurers and financial holding companies across North America and Europe.

Is AEG a growth stock or value stock?

Based on UQS pillar labels, AEG leans toward value territory — the Valuation pillar is Attractive while Growth is rated Good rather than exceptional. This profile may appeal to investors seeking a discounted entry into a large-cap financial services name with some growth potential.

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Pro Analysis

AEG — Score History

4045505560Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 30 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 23, 202649.534.727.064.254.287.30.0
May 21, 202649.534.727.064.254.287.1-0.1
May 20, 202649.634.727.064.254.288.00.0
May 17, 202649.634.727.064.254.287.70.0
May 16, 202649.634.727.064.254.288.20.0
May 14, 202649.634.727.064.254.287.8+0.1
May 12, 202649.534.727.064.254.287.5-0.1
May 11, 202649.634.727.064.254.287.9+0.2
May 10, 202649.434.727.064.254.286.4-0.1
May 9, 202649.534.727.064.254.287.5-0.1

AEG — Pillar Breakdown

Quality

34.7/100 (25%)

Aegon Ltd. currently shows below-average quality metrics, suggesting challenges with profitability.

Return on EquityModerate

Profitability relative to shareholders' equity.

Operating ProfitabilityModerate

Ability to convert revenue into operating profit.

Net ProfitabilityWeak

Bottom-line profit as a share of revenue.

Cash GenerationWeak

Free cash flow relative to market value.

Growth

64.2/100 (20%)

Aegon Ltd. demonstrates healthy growth trends across revenue and earnings.

Recent Revenue TrendStrong

Revenue trajectory over the last twelve months.

EPS GrowthStrong

Year-over-year earnings per share growth.

Forward Revenue OutlookModerate

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

54.2/100 (15%)

Aegon Ltd. has some risk factors including moderate leverage or solvency concerns.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageStrong

Earnings capacity relative to interest payments.

Valuation

89.1/100 (15%)

Aegon Ltd. appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorModerate

Enterprise value multiple relative to sector median.

Moat

27/100 (25%)

Aegon Ltd. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AEG.

Score Composition

Quality
34.7×25%8.7
Growth
64.2×20%12.8
Risk
54.2×15%8.1
Valuation
89.1×15%13.4
Moat
27.0×25%6.8
Total
49.8Below Average

Financial Data

More Stock Analysis

How is the AEG UQS Score Calculated?

The UQS (Unified Quality Score) for Aegon Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Aegon Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Aegon Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.