AEGON LTD (AGN.AS)
BMG0112X1056 - Common Stock
Taking everything into account, AGN scores 3 out of 10 in our fundamental rating. AGN was compared to 32 industry peers in the Insurance industry. AGN has a bad profitability rating. Also its financial health evaluation is rather negative. AGN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year AGN was profitable.
AGN had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: AGN reported negative net income in multiple years.
In multiple years AGN reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.73%, AGN is doing worse than 93.55% of the companies in the same industry.
AGN has a worse Return On Equity (-27.74%) than 96.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.73% | ||
| ROE | -27.74% | ||
| ROIC | N/A |
ROA(3y)-0.1%
ROA(5y)0.04%
ROE(3y)-4.37%
ROE(5y)-0.92%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
In the last couple of years the Profit Margin of AGN has grown nicely.
In the last couple of years the Operating Margin of AGN has grown nicely.
AGN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y68.35%
OM growth 5Y28.25%
PM growth 3Y122.95%
PM growth 5Y43.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AGN does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for AGN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
The Debt to FCF ratio of AGN is 2.38, which is a good value as it means it would take AGN, 2.38 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AGN (2.38) is better than 70.97% of its industry peers.
AGN has a Debt/Equity ratio of 0.53. This is a neutral value indicating AGN is somewhat dependend on debt financing.
AGN has a better Debt to Equity ratio (0.53) than 64.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 97.20% over the past year.
Measured over the past 5 years, AGN shows a small growth in Earnings Per Share. The EPS has been growing by 3.28% on average per year.
Looking at the last year, AGN shows a very strong growth in Revenue. The Revenue has grown by 366.26%.
EPS 1Y (TTM)97.2%
EPS 3YN/A
EPS 5Y3.28%
EPS Q2Q%110.71%
Revenue 1Y (TTM)366.26%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%102.97%
3.2 Future
AGN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.11% yearly.
The Revenue is expected to decrease by -16.56% on average over the next years. This is quite bad
EPS Next Y-16.09%
EPS Next 2Y-12.75%
EPS Next 3Y1.47%
EPS Next 5Y2.11%
Revenue Next Year-34.11%
Revenue Next 2Y-42.7%
Revenue Next 3Y-30.59%
Revenue Next 5Y-16.56%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.61, which indicates a rather cheap valuation of AGN.
Based on the Price/Earnings ratio, AGN is valued cheaply inside the industry as 96.77% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.73. AGN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.72, the valuation of AGN can be described as very reasonable.
AGN's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of AGN to the average of the S&P500 Index (22.83), we can say AGN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AGN is valued cheaply inside the industry as 93.55% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.02
EPS Next 2Y-12.75%
EPS Next 3Y1.47%
5. Dividend
5.1 Amount
AGN has a Yearly Dividend Yield of 5.27%, which is a nice return.
Compared to an average industry Dividend Yield of 5.11, AGN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.24, AGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
5.2 History
The dividend of AGN is nicely growing with an annual growth rate of 10.58%!
Dividend Growth(5Y)10.58%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
The earnings of AGN are negative and hence is the payout ratio. AGN will probably not be able to sustain this dividend level.
The dividend of AGN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-14.26%
EPS Next 2Y-12.75%
EPS Next 3Y1.47%
AEGON LTD
AMS:AGN (12/20/2024, 7:00:00 PM)
5.616
+0.01 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.45%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.48B
Analysts76
Price Target6.63 (18.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
Dividend Growth(5Y)10.58%
DP-14.26%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)5.07%
PT rev (3m)3.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)10.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 8.72 | ||
| P/S | 0.45 | ||
| P/FCF | 4.18 | ||
| P/OCF | 4.07 | ||
| P/B | 0.94 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.85
EY15.14%
EPS(NY)0.64
Fwd EY11.47%
FCF(TTM)1.34
FCFY23.9%
OCF(TTM)1.38
OCFY24.56%
SpS12.4
BVpS5.98
TBVpS5.76
PEG (NY)N/A
PEG (5Y)2.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.73% | ||
| ROE | -27.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 10.82% |
ROA(3y)-0.1%
ROA(5y)0.04%
ROE(3y)-4.37%
ROE(5y)-0.92%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y68.35%
OM growth 5Y28.25%
PM growth 3Y122.95%
PM growth 5Y43.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.38 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 37.28% | ||
| Cap/Sales | 0.3% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC4.89%
ROIC/WACCN/A
Cap/Depr(3y)20.07%
Cap/Depr(5y)14.99%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)97.2%
EPS 3YN/A
EPS 5Y3.28%
EPS Q2Q%110.71%
EPS Next Y-16.09%
EPS Next 2Y-12.75%
EPS Next 3Y1.47%
EPS Next 5Y2.11%
Revenue 1Y (TTM)366.26%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%102.97%
Revenue Next Year-34.11%
Revenue Next 2Y-42.7%
Revenue Next 3Y-30.59%
Revenue Next 5Y-16.56%
EBIT growth 1Y-51.05%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-14.2%
EBIT Next 3Y-4.1%
EBIT Next 5Y-1.89%
FCF growth 1Y165.03%
FCF growth 3Y-28.79%
FCF growth 5Y40.14%
OCF growth 1Y168.39%
OCF growth 3Y-28.47%
OCF growth 5Y37.03%