Aegon

AEG

Insurance - Diversified · Financial Services

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Dec 31, 2025

How the score breaks down

Quality

Mixed

Growth

Mixed

Cash Flow

Data not available

Stability

Mixed

Valuation

Strong

Dividends

Exceptional

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Winston Score History

The full picture

Aegon is a financial services company based in the Netherlands that sells life insurance, pension plans, and investment products. Its main customers are everyday people planning for retirement, as well as employers who offer workplace benefits. Aegon operates across Europe, the Americas, and Asia, and is one of the larger international insurance and asset management groups.

The company makes money by collecting premiums from insurance customers and fees from managing retirement savings and investment funds. It has a significant presence in the United States through its Transamerica brand, which sells life insurance and retirement products to millions of Americans. Aegon has been restructuring in recent years — selling some businesses and focusing on its core markets — and its main challenge is generating strong returns on capital in an industry where low interest rates and regulatory costs can squeeze profitability.

Growth Profile

For growth stock investors

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

Revenue Growth

+16.6% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-38.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$292.9B cash & investments at current burn rate

Growth context

Aegon is growing revenue at 17% 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.

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Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

1.9%

Thin — 1.9% operating margin

Return on the money invested

ROCE

2.8%

Weak — 2.8% 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

N/A

Data not available

Spare cash per sale

FCF Margin

N/A

Data not available

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Stability

What it owes vs what it owns

Debt / Equity

0.72

Moderate — manageable debt (0.72)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

11.9x

no trend

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+3.9

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (11.9 → 8.0)

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Dividends

Dividend

Dividend Yield

4.86%

no trend

Healthy income — 4.86% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+53.0%

no trend

Dividend growing fast (53.0% YoY)

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