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Upturn AI SWOT - About
AEG 
Aegon NV ADR (AEG)
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Upturn Advisory Summary
04/01/2025: AEG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 4.03% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.91B USD | Price to earnings Ratio 16.48 | 1Y Target Price 6.91 |
Price to earnings Ratio 16.48 | 1Y Target Price 6.91 | ||
Volume (30-day avg) 8521099 | Beta 1.02 | 52 Weeks Range 5.45 - 6.82 | Updated Date 04/1/2025 |
52 Weeks Range 5.45 - 6.82 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.36% | Basic EPS (TTM) 0.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.36% | Operating Margin (TTM) 5.93% |
Management Effectiveness
Return on Assets (TTM) 0.07% | Return on Equity (TTM) 7.17% |
Valuation
Trailing PE 16.48 | Forward PE 8.18 | Enterprise Value 12456685975 | Price to Sales(TTM) 0.85 |
Enterprise Value 12456685975 | Price to Sales(TTM) 0.85 | ||
Enterprise Value to Revenue 0.59 | Enterprise Value to EBITDA - | Shares Outstanding 1618829952 | Shares Floating 1299542895 |
Shares Outstanding 1618829952 | Shares Floating 1299542895 | ||
Percent Insiders - | Percent Institutions 11.45 |
Analyst Ratings
Rating 4 | Target Price 7.1 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Aegon NV ADR
Company Overview
History and Background
Aegon N.V. was founded in 1983 through the merger of AGO Holding N.V. and Ennia N.V. Its roots extend back to the mid-19th century with various insurance and financial services companies. Over time, Aegon expanded globally through acquisitions and organic growth, focusing on life insurance, pensions, and asset management.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including term life, whole life, and universal life, providing financial protection to individuals and families.
- Pensions: Provides retirement solutions, including defined contribution and defined benefit plans, as well as annuities, helping individuals save for and manage their retirement income.
- Asset Management: Manages investments for institutional and retail clients, offering a variety of investment strategies across different asset classes.
Leadership and Structure
Aegon N.V. is led by a management board, with a supervisory board providing oversight. The organizational structure is divided into business units based on geographic regions and product lines.
Top Products and Market Share
Key Offerings
- Variable Annuities: Variable annuities offer investment options combined with insurance benefits. Aegon is a major player in the US variable annuity market. Competitors include Prudential, MetLife, and Jackson National. Revenue from variable annuities is a significant portion of Aegon's US earnings. While exact market share varies, Aegon consistently ranks among the top providers.
- Fixed Annuities: Fixed annuities provide a guaranteed rate of return, offering a more conservative investment option. Aegon competes with New York Life, Athene, and Global Atlantic. Fixed annuities generate substantial premium income for Aegon.
- Life Insurance: Aegon's life insurance products cover a range of needs, including term, whole, and universal life policies. Key competitors include Northwestern Mutual, State Farm, and MassMutual. Life insurance contributes significantly to Aegon's overall revenue.
Market Dynamics
Industry Overview
The insurance and asset management industry is characterized by increasing regulation, low interest rates, and evolving customer expectations. Digitalization and technological innovation are key trends shaping the industry's future.
Positioning
Aegon aims to be a leading provider of financial security solutions. Its competitive advantages include its global presence, diversified product portfolio, and strong brand reputation.
Total Addressable Market (TAM)
The global insurance market is estimated to be worth trillions of dollars. Aegon's TAM is substantial, encompassing life insurance, pensions, and asset management in multiple geographies. Aegon is positioned to capture a share of this large market.
Upturn SWOT Analysis
Strengths
- Global presence
- Diversified product portfolio
- Strong brand reputation
- Experienced management team
- Sound capital position
Weaknesses
- Exposure to low interest rates
- Complex regulatory environment
- Legacy systems
- Geographic concentration in some markets
- Dependency on US market
Opportunities
- Growing demand for retirement solutions
- Expansion into emerging markets
- Digital transformation
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- PRU
- MET
- SLF
Competitive Landscape
Aegon faces strong competition from other large insurance and asset management companies. Its competitive advantages lie in its global presence and diversified product offerings, but it needs to address weaknesses such as its exposure to low interest rates.
Major Acquisitions
Transamerica Life Insurance Company
- Year: 1999
- Acquisition Price (USD millions): 1800
- Strategic Rationale: Expanded Aegon's presence in the US life insurance market.
Growth Trajectory and Initiatives
Historical Growth: Aegon's growth has been steady but not spectacular in recent years, driven by organic growth and acquisitions.
Future Projections: Analysts project moderate revenue growth and improved profitability in the coming years, driven by strategic initiatives and favorable market trends.
Recent Initiatives: Recent initiatives include digital transformation efforts, cost-cutting measures, and strategic acquisitions to strengthen its market position.
Summary
Aegon is a global insurance and asset management company with a diversified portfolio and strong brand. While its global presence and diversified product offerings are strengths, it faces challenges from low interest rates and regulatory complexities. Aegon needs to continue its digital transformation and cost-cutting measures to improve profitability. The company needs to be proactive in handling threats from increased competition, and cybersecurity risks.
Similar Companies
- PRU
- MET
- SLF
- NNN
- VOYA
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Aegon NV ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1985-07-01 | CEO, Chairman of Management Board & Executive Director Mr. E. Lard Friese | ||
Sector Financial Services | Industry Insurance - Diversified | Full time employees 15582 | Website https://www.aegon.com |
Full time employees 15582 | Website https://www.aegon.com | ||
Aegon Ltd. provides insurance, pensions, retirement, and asset management services in the Americas, the Netherlands, the United Kingdom, and internationally. It offers life, accident, property and casualty, and health insurance; annuities, retirement plans, mutual funds, and stable value solutions; residential mortgage and digital banking services; retail and institutional investment management solutions; and investment vehicles. The company provides its under the Transamerica and World Financial Group brands. Aegon Ltd. was founded in 1844 and is headquartered in The Hague, the Netherlands.
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