AEGON LTD (AGN.AS)

BMG0112X1056 - Common Stock

5.813  +0.08 (+1.48%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AGN. AGN was compared to 36 industry peers in the Insurance industry. AGN may be in some trouble as it scores bad on both profitability and health. AGN is valued correctly, but it does not seem to be growing.



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2

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.
The reported operating cash flow has been mixed in the past 5 years: AGN reported negative operating cash flow in multiple years.

1.2 Ratios

AGN's Return On Assets of -0.73% is on the low side compared to the rest of the industry. AGN is outperformed by 94.29% of its industry peers.
With a Return On Equity value of -27.74%, AGN is not doing good in the industry: 97.14% of the companies in the same industry are doing better.
Industry RankSector 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.
AGN's Operating Margin has improved in the last couple of years.
AGN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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

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3

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

AGN has a debt to FCF ratio of 2.38. This is a good value and a sign of high solvency as AGN would need 2.38 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 2.38, AGN is doing good in the industry, outperforming 71.43% of the companies in the same industry.
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 Debt to Equity ratio (0.53) which is in line with its industry peers.
Even though the debt/equity ratio score it not favorable for AGN, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 2.38
Altman-Z N/A
ROIC/WACCN/A
WACC4.74%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 97.20% over the past year.
The Earnings Per Share has been growing slightly by 3.28% on average over the past years.
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 growth Q2Q110.71%
Revenue 1Y (TTM)366.26%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q102.97%

3.2 Future

Based on estimates for the next years, AGN will show a decrease in Earnings Per Share. The EPS will decrease by -2.30% on average per year.
Based on estimates for the next years, AGN will show a decrease in Revenue. The Revenue will decrease by -8.17% on average per year.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.84 indicates a rather cheap valuation of AGN.
AGN's Price/Earnings ratio is rather cheap when compared to the industry. AGN is cheaper than 82.86% of the companies in the same industry.
AGN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.20.
With a Price/Forward Earnings ratio of 7.77, the valuation of AGN can be described as very cheap.
74.29% of the companies in the same industry are more expensive than AGN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AGN to the average of the S&P500 Index (21.63), we can say AGN is valued rather cheaply.
Industry RankSector Rank
PE 6.84
Fwd PE 7.77

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AGN indicates a rather cheap valuation: AGN is cheaper than 88.57% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.47
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.09
EPS Next 2Y-5.94%
EPS Next 3Y-0.26%

More info and screens

5

5. Dividend

5.1 Amount

AGN has a Yearly Dividend Yield of 5.37%, which is a nice return.
Compared to an average industry Dividend Yield of 5.28, AGN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, AGN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.37%

5.2 History

On average, the dividend of AGN grows each year by 10.57%, which is quite nice.
Dividend Growth(5Y)10.57%
Div Incr Years2
Div Non Decr Years2

5.3 Sustainability

AGN 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%

More info and screens

AEGON LTD

AMS:AGN (4/26/2024, 5:29:48 PM)

5.813

+0.08 (+1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap10.13B
Analysts
Price Target
Dividend
Industry RankSector 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 RankSector Rank
PE 6.84
Fwd PE 7.77
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)2.09
Profitability
Industry RankSector 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 RankSector 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