AEGON LTD-NY REG SHR (AEG)
US0076CA1045
AEG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. AEG may be in some trouble as it scores bad on both profitability and health. AEG has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
AEG had positive earnings in the past year.
In the past year AEG had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: AEG reported negative net income in multiple years.
In multiple years AEG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of AEG (-0.73%) is worse than 79.86% of its industry peers.
AEG has a Return On Equity of -27.74%. This is amonst the worse of the industry: AEG underperforms 89.93% 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
AEG's Profit Margin has improved in the last couple of years.
In the last couple of years the Operating Margin of AEG has grown nicely.
AEG 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
AEG does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for AEG. 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 AEG is 2.38, which is a good value as it means it would take AEG, 2.38 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.38, AEG perfoms like the industry average, outperforming 53.24% of the companies in the same industry.
A Debt/Equity ratio of 0.53 indicates that AEG is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, AEG is doing worse than 64.03% of the companies in the same industry.
Although AEG does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AEG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 97.20%, which is quite impressive.
AEG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.28% yearly.
The Revenue has grown by 366.26% in the past year. This is a very strong growth!
EPS 1Y (TTM)97.2%
EPS 3YN/A
EPS 5Y3.28%
EPS growth Q2Q110.71%
Revenue 1Y (TTM)366.26%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q102.97%
3.2 Future
The Earnings Per Share is expected to decrease by -2.30% on average over the next years.
The Revenue is expected to decrease by -8.17% on average over the next years.
EPS Next Y-23.89%
EPS Next 2Y-5.94%
EPS Next 3Y-0.26%
EPS Next 5Y-2.3%
Revenue Next Year-40.3%
Revenue Next 2Y-21.61%
Revenue Next 3Y-14.36%
Revenue Next 5Y-8.17%
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
AEG is valuated cheaply with a Price/Earnings ratio of 6.76.
Based on the Price/Earnings ratio, AEG is valued a bit cheaper than the industry average as 71.94% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.25. AEG is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.61, the valuation of AEG can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AEG indicates a somewhat cheap valuation: AEG is cheaper than 70.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.67. AEG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.76 | ||
| Fwd PE | 7.61 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AEG is valued a bit cheaper than 76.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.06
EPS Next 2Y-5.94%
EPS Next 3Y-0.26%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.37%, AEG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.36, AEG pays a better dividend. On top of this AEG pays more dividend than 90.65% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, AEG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
5.2 History
On average, the dividend of AEG grows each year by 10.57%, which is quite nice.
AEG has paid a dividend for at least 10 years, which is a reliable track record.
AEG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.57%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
AEG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-14.26%
EPS Next 2Y-5.94%
EPS Next 3Y-0.26%
AEGON LTD-NY REG SHR
NYSE:AEG (4/25/2024, 10:15:03 AM)
6.085
-0.04 (-0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap10.60B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.76 | ||
| Fwd PE | 7.61 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.73% | ||
| ROE | -27.74% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)97.2%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-23.89%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)366.26%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y