Stock fact sheet · data as of
Aegon Ltd. (AEG): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Diversified · Netherlands · ADR · High Growth
Is AEG undervalued?
At 8.27 (close of 16 Oct 2026), AEG trades 16% under the GLS average fair value of 9.88. 3 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between Lynch (0.4677) and GLS Growth (35.07). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files AEG under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for AEG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 15.45 | +87% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.03 | +9% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 6.82 | -18% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.4677 | -94% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 35.07 | +324% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 3.27 | -60% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 4.69 | -43% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.18 | -25% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.90 | -5% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -189.38 | -2390% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 7.50 | -9% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Aegon Ltd. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 2.7/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 7.4%, ROE 13.0%, ROA 0.3% - with debt at 0.74 times equity and a free-cash-flow yield of 1.8%.
The dividend yield is high at 5.64% (payout ratio 63%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 24 Sep 2026.
| Piotroski F-score | 6 / 9 | ROIC | 7.4% |
|---|---|---|---|
| GLS Moat | 2.7 / 10 | ROE | 13.0% |
| Debt / equity | 0.74 | ROA | 0.3% |
| Free-cash-flow yield | 1.8% | Payout ratio | 63% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 57: Fair
A Wheel Score of 57 puts Aegon Ltd. in the Fair band - below the 70 the Sunday Scan requires. Value 19/25, Health 13/20, Moat 4/15, Premium 0/20 and Stability 20/20; the weakest part is Premium (0/20).
No implied volatility is recorded for AEG - the nightly snapshot found no near-the-money contracts 20-60 days out - so the Premium part of the Wheel Score is zero. Chain open interest is 5,453 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 11.5M shares a day on a market cap of $12.6B, with a beta of 0.62 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 20 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 19 / 25 | 16% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 4 / 15 | moat 2.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 20 / 20 | 11.5M shares/day, $12.6B cap, beta 0.62 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for AEG in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Diversified
The 12 companies below are the closest to Aegon Ltd. by market cap within the Insurance - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BNT Brookfield Wealth Solutions Ltd. | 36.78 | 54.97 | +33% | 72Good | $12.2B |
| AEFC Aegon Funding Company LLC | 17.47 | 20.05 | +13% | 35No options | $13.6B |
| AXS AXIS Capital Holdings Limited | 97.93 | 459.20 | +79% | 84Prime | $7.1B |
| WTM White Mountains Insurance Group, Ltd. | 2,098.01 | 8,914.92 | +76% | 39No options | $5.0B |
| ACGL Arch Capital Group Ltd. | 99.31 | 356.81 | +72% | 84Prime | $33.9B |
| ACGLN Arch Capital Group Ltd. | 15.30 | 158.96 | +90% | 39No options | $34.7B |
| ACGLO Arch Capital Group Ltd. | 18.48 | 169.55 | +89% | 39No options | $34.9B |
| HIG The Hartford Insurance Group, Inc. | 132.81 | 354.02 | +62% | 84Prime | $36.0B |
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | 14.72 | 154.47 | +90% | 39No options | $39.4B |
| AIG American International Group, Inc. | 79.12 | 110.31 | +28% | 81Prime | $41.9B |
| SLF Sun Life Financial Inc. | 78.04 | 182.53 | +57% | 84Prime | $43.4B |
| GNW Genworth Financial, Inc. | 8.94 | 16.69 | +46% | 83Prime | $3.4B |
⚖ Compare AEG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AEG
Is AEG undervalued right now?
By the GLS models, moderately: at 8.27 the stock trades 16% below the average fair value of 9.88 (data as of 16 Oct 2026).
What is the Wheel Score of AEG and what does it mean?
AEG scores 57 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for AEG?
9.88 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Aegon Ltd. report earnings next?
No upcoming earnings date is recorded for AEG in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does AEG have listed options, and how liquid are they?
Yes. The nightly snapshot found 68 listed contracts with 5,453 open interest across all expiries. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.