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Aegon N.V. PERP CAP SECS

AED
36
Insurance - Diversified · Financial Services
Price
$25.52
+0.00 (+0.00%)
Market Cap
$52.17B
Exchange
New York Stock Exchange
Winston Score
36
Winston is serious
Below-average fundamentals — multiple weak pillars.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
9/30
Growth
Mixed
9/20
Cash Flow
Weak
0/10
Stability
Mixed
4/10
Valuation
Weak
2/10
Ownership
Good
10/15
Dividends
Not counted
n/a

34 of 95 counted points = Winston Score 36. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count falling — buybacks

−24.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.06B (2021) → 1.56B (2025)

§Winston Score History

The full picture

Aegon is a large insurance and financial services company based in the Netherlands. It sells life insurance, pensions, retirement plans, and investment products to millions of customers. The company is one of the biggest insurers in Europe and has a major presence in the United States through its Transamerica brand.

Aegon makes money by collecting insurance premiums, managing retirement assets, and earning fees on investment products. It operates primarily in the Netherlands, the United Kingdom, and the United States. The company's scale and long history give it an established customer base, though the insurance industry is highly competitive and sensitive to interest rates. Aegon has been simplifying its business by selling non-core units to focus on its strongest markets, but execution risk around this transformation and exposure to volatile financial markets remain key factors to watch.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+8.3% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

€0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

€175.8B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Aegon N.V. PERP CAP SECS is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
34.5%
Modest — 34.5% gross margin
Profit after running costs
Operating Margin
8.6%
Modest — 8.6% operating margin
Return on the money invested
ROCE
4.7%
Weak — 4.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth
Sales YoY
N/A
Data not available
Profit growth
EPS YoY
N/A
Data not available
How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
-17%
Weak — only -17% of profit becomes cash
Spare cash per sale
FCF Margin
-1.0%
Burning cash (-1.0%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns
Debt / Equity
0.43
Conservative — low debt load (0.43)
Covers its interest
Interest Cover
N/A
Data not available

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Valuation

Price vs profit
P/E Ratio (TTM)
39.3x
Pricey — P/E 39.3

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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