Aegon Ltd (AGN) Fair Value & Analysis
Financial Services · NL · Market cap €11.7B
Fair value as of: Jul 18, 2026
From 26 valuation models · updated 20 days ago
Fair value updated Jul 18, 2026, revised from €8.44 to €8.64 (+2.4%) since Jun 26, 2026. Share price +7.2% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range €2.57 – €8.26 · fair‑value band €6.48 – €10.80 · the €8.26 price screens below the €8.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Aegon Ltd (AGN) currently trades at €8.26, while our model-based Fair Value estimate is €8.64, implying the stock looks roughly 4.6% fairly valued today. We read business quality at 65/100 (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 €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 €2.4B. Fundamentals as of Jul 18, 2026
Our scenario range runs from €6.48 (bear case) to €10.80 (bull case); at €8.26, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 48% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 5%, AGN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings (€12.31) versus Asset-Based (€3.43). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 80
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Aegon Ltd. Engages in the provision of insurance, pensions, retirement, and asset management services in the Americas, the Netherlands, the United Kingdom, and internationally. It operates through three segments: Distribution, Protection Solutions, and Savings & Investments.
Full company description
Aegon Ltd. Engages in the provision of insurance, pensions, retirement, and asset management services in the Americas, the Netherlands, the United Kingdom, and internationally. It operates through three segments: Distribution, Protection Solutions, and Savings & Investments. The company offers retirement plans, mutual funds, and stable value solutions; and annuities, individual life, life and health, and individual health. The company provides its products under the Transamerica and World Financial Group brands. Aegon Ltd. was founded in 1844 and is headquartered in Schiphol, the Netherlands.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Aegon Ltd reported revenue of €33.4B in FY2025 versus €46.1B in FY2021, a compound −7.8%/yr. Reported net income was €977M in FY2025, compounding −16.2%/yr from FY2021.
Watch AGN: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Aegon (AEG) is One of the Best Future Stocks to Buy Under $10, Here’s Why
- Aegon (AEG) Announces Governance Agreement to Support Corporate Relocation to the US
- Aegon strengthens leadership team and selects New York as location for its future headquarters
Peer Group
Insurance - Diversified · 84 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
Compare Aegon Ltd with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Aegon Ltd (AGN) overvalued or undervalued?
What is the fair value of AGN?
What is the quality score of AGN?
What is the revenue of Aegon Ltd (AGN)?
What is the net profit margin of AGN?
Does Aegon Ltd pay a dividend?
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.
Track Aegon Ltd and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.