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Aegon Ltd (A1EG34) Fair Value & Analysis

Financial Services · BR · Market cap R$66.5B

AL Aegon Ltd A1EG34 · SA
PriceR$45.00
Fair ValueR$77.58
Upside+72.4%
Quality57/100
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Evidence: High Range R$58.18 – R$96.97

Fair value as of: Jul 13, 2026

From 24 valuation models · updated yesterday

Fair value updated Jul 13, 2026 — revised from R$12.99 to R$77.58 (+497.2%) since Jun 26, 2026. Share price −8.9% over the past month.

Price vs Fair Value (12 months)

R$49.40 R$32.80 Fair Value R$77.58 Jul 2025 Jul 2026

12‑month range R$32.80 – R$49.40 · fair‑value band R$58.18 – R$96.97 · the R$45.00 price screens below the R$77.58 fair value. As of Jul 13, 2026.

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Analysis

Aegon Ltd (A1EG34) currently trades at R$45.00, while our model-based Fair Value estimate is R$77.58 — implying the stock looks roughly 72.4% undervalued today. We read business quality at 57/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, Aegon Ltd generated revenue of R$12.2B at a net margin of 8.0%. Revenue declined 13.7% year over year. It earns a return on equity of 10.4%. Net debt stands at R$809M. Fundamentals as of Jul 13, 2026

Our scenario range runs from R$58.18 (bear case) to R$96.97 (bull case); at R$45.00, the current price sits below that range. The share trades near its 52-week high and 33% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -5% fair-value upside — at 72%, A1EG34 screens cheaper than that median.

Key figures & financial health

Revenue (TTM) R$12.2B
Revenue growth (YoY) -13.7%
Net margin 8.0%
Return on equity 10.4%
Free cash flow R$380M FY2025
P/E ratio 12.0
More key figures
Operating margin 0.3%
EPS (TTM) R$3.53
Dividend yield 1.0%
EPS growth (YoY) -46.7%
Net debt R$809M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 13, 2026. TTM = trailing twelve months.

About the company

Aegon Ltd. provides insurance services in the Americas, the Netherlands, the United Kingdom, and internationally. It offers retirement plans, mutual funds, and unit-linked products; and annuities, life, and health insurance. The company provides its products under the Transamerica and World Financial Group brands. Aegon Ltd. was founded in 1844 and is based in Schiphol, the Netherlands.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Aegon Ltd reported revenue of R$13.1B in FY2025 versus R$42.5B in FY2021, a compound −25.5%/yr. Reported net income was R$977M in FY2025, compounding −16.2%/yr from FY2021.

Revenue −25.5%/yr
FY21 R$42.5B
FY22 R$14.5B
FY23 R$13.1B
FY24 R$13.3B
FY25 R$13.1B
Net income −16.2%/yr
FY21 R$2.0B
FY22 −R$1.0B
FY23 −R$179M
FY24 R$688M
FY25 R$977M

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Cite: Fair Value Calculator (2026). "Aegon Ltd Fair Value". https://www.fairvalue-calculator.com/stock/A1EG34

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).

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Allianz SE 1ALV €420.00 €397.72 -5%
Zurich Insurance Group ZURVY $36.15 $29.58 -18%
AXA SA AXAN 795.49 MXN 1,003 MXN +26%
Assicurazioni Generali S.p.A ARZGY $24.42 $19.59 -20%
Sun Life Financial Inc SLF $77.50 $61.89 -20%
American International Group AIG $73.44 $58.77 -20%
The Hartford Insurance Group H1IG34 R$727.00 R$237.89 -67%
Talanx AG TLLXY $60.33 $109.48 +81%
Arch Capital Group ACGL $88.34 $176.68 +100%

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Frequently asked questions

Is Aegon Ltd (A1EG34) undervalued?
As of Jul 13, 2026, our model estimates a fair value of R$77.58 versus a price of R$45.00 — about +72% (undervalued). Model-based estimate, not financial advice.
What is the fair value of A1EG34?
Our model-based fair value for Aegon Ltd is R$77.58 (as of Jul 13, 2026), built from audited fundamentals. The current price is R$45.00.
What is the quality score of A1EG34?
Aegon Ltd has a Quality Score of 57/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Aegon Ltd (A1EG34)?
Aegon Ltd reported trailing-twelve-month revenue of about R$12.2B (latest available figure, as of Jul 13, 2026).
What is the net profit margin of A1EG34?
The net profit margin of Aegon Ltd is about 8.0%, meaning it keeps roughly 8.0% of revenue as net income. Based on the latest reported figures.
Does Aegon Ltd pay a dividend?
Aegon Ltd currently shows a dividend yield of about 0.95% relative to its recent price (as of Jul 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.