ageas SA (AGS) Fair Value & Analysis
Financial Services · BE · Market cap €13.9B
Fair value as of: Jun 26, 2026
From 24 valuation models · updated 20 days ago
Share price +5.3% over the past month.
Price vs Fair Value (12 months)
12‑month range €53.41 – €71.70 · fair‑value band €79.78 – €132.97 · the €71.05 price screens below the €106.37 fair value. As of Jun 26, 2026.
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ageas SA (AGS) currently trades at €71.05, while our model-based Fair Value estimate is €106.37, implying the stock looks roughly 49.7% undervalued today. We read business quality at 68/100 (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, ageas SA generated revenue of €9.4B at a net margin of 18.2%. Revenue grew 19.5% year over year. It earns a return on equity of 18.8%. Net debt stands at €4.0B. Fundamentals as of Jun 26, 2026
Our scenario range runs from €79.78 (bear case) to €132.97 (bull case); at €71.05, the current price sits below that range. The share trades near its 52-week high and 32% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 0% fair-value upside, at 50%, AGS screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
ageas SA/NV, together with its subsidiaries, engages in insurance business. It operates through five segments: Belgium, Europe, Asia, Reinsurance, and General Account. The company provides property, casualty, and life insurance products, as well as pension products; and reinsurance products. It offers life insurance products include risks related to the life, and death of individuals; and non-life insurance products comprise accident and health, motor, and fire insurance products, as well as insurance services for other damages to property; and pension funds. The company serves private individuals, as well as small, medium-sized, and large companies through independent brokers and the bank channels. ageas SA/NV was founded in 1824 and is based in Brussels, Belgium.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
ageas SA reported revenue of €9.0B in FY2025 versus €12.9B in FY2021, a compound −8.5%/yr. Reported net income was €1.7B in FY2025, compounding +19.3%/yr from FY2021.
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Recent news
- Resolutions of the General Meetings of Shareholders of ageas SA/NV on 20 May 2026
- European Dividend Stocks To Consider In May 2026
- Assessing Ageas (ENXTBR:AGS) Valuation After Recent Share Price Momentum And Conflicting Fair Value Signals
- Ageas and BNP Paribas S.A.: Transparency notification
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRYN | €442.20 | €440.52 | -0% |
| Allianz SE ALV | €406.60 | €468.26 | +15% |
| Zurich Insurance Group ZURVY | $36.15 | $29.58 | -18% |
| AXA SA AXAN | 795.49 MXN | 999.98 MXN | +26% |
| Assicurazioni Generali S.p.A ARZGY | $24.04 | $19.38 | -19% |
| Sun Life Financial Inc SLF | C$104.47 | C$87.84 | -16% |
| American International Group AIG | $73.44 | $58.77 | -20% |
| The Hartford Insurance Group H1IG34 | R$727.00 | R$237.89 | -67% |
| Arch Capital Group ACGL | $91.31 | $179.69 | +97% |
| BB Seguridade Participações S.A BBSE3 | R$38.63 | R$58.14 | +51% |
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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.