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Aegon Ltd. (AEG)

NYSE: AEG · Life Insurance · filing with the SEC since 1997
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Grade4.8
◀ Past 6.9● Present 3.5▶ Future 3.1
2 est.
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The grade of Aegon Ltd.

Nine metrics read from its own filings, by tense
Headline grade
4.8/10
◀ Past6.940% of the headline
● Present3.535% of the headline
▶ Future3.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
6.1/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 61st percentile among 18 sector filers · read for itself

From the record

Aegon Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
2.3/10

What has it actually done, year after year?

-6.4% a year over 8 filed years; profitable in 5 of 7.

weight 22% of this tense · 23rd percentile among 18 sector filers · read for its customers

From the record

Aegon Ltd.'s 8 filed years say what it did: revenue went from EUR 34 billion in fiscal 2015 to EUR 21 billion in fiscal 2022, down 6.4% a year; it rose in 1 of 7 years; the deepest fall was 38% from fiscal 2015 to fiscal 2021; net income was positive in 5 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-6.4%bottom 14% of its family
  • the share of years revenue rosebottom 3% of its family
  • the share of filed years with a profitbottom 28% of its family
  • the deepest fall from a revenue peak37.8%bottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.7/10

How has it treated the people who own it?

Share count shrank 8.2% a year. 100% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 45% of this tense · 97th percentile among 16 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Aegon Ltd.'s diluted share count shrank about 8.2% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 3% of its family
  • cash returned against operating cash flowtop 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.5/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
4.5/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 97%: owes 97¢ per asset dollar.

weight 45% of this tense · 45th percentile among 18 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Aegon Ltd. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 97 cents per dollar of assets, and net share issuance: its share count shrank 4.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 19% of its family
  • return on equitytop 47% of its family
  • the share count against the year beforetop 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
0.8/10

How strong is its position in its industry?

bottom 8% of 18 in its family; net margin -2.5%.

weight 33% of this tense · 8th percentile among 18 sector filers · read for its customers

From the record

Aegon Ltd.'s standing among 18 graded names in its industry family: revenue of EUR 21 billion in fiscal 2022 is not ranked by size, since the family reports in another currency; a net margin of -2.5% ranks in the bottom 3%; revenue growth of -8.9% a year over the last 3 filed years ranks in the bottom 14% (its annual reports).

What it rests on

  • net margin-2.5%bottom 3% of its family
  • three-year revenue growth-8.9%bottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 13 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 13 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
family median, 13 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Aegon Ltd.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 13 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.1/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
3.6/10

How much room does it have to grow?

SI estimate 3.6/10, confidence 35 of 100 (one part).

weight 33% of this tense · 36th percentile among 18 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash less debt against assets, which ranks in the bottom 36% of 18 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash less debt against assets, the one part on file, ranked among 18 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Aegon Ltd.'s room to expand is put at 3.6 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 36% of 18 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
2.0/10

What could actually drive growth from here?

bottom 20% of 18 in its family for growth drivers.

weight 33% of this tense · 20th percentile among 18 sector filers · read for its customers

From the record

Aegon Ltd.'s growth drivers, from the filed years to fiscal 2022: revenue grew -8.9% a year over the last three filed years against -6.4% over all 8, slowing (bottom 25% of its family); the newest year grew 1.1% (bottom 31%); capital spending grew -17.1% a year (bottom 6%) (its annual reports). Aegon Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-2.5 points a yearbottom 25% of its family
  • the newest year's revenue growth1.1%bottom 31% of its family
  • three-year growth of capital spending-17.1%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.8/10

Did its newest year beat what its own record pointed to?

bottom 38% of 18 in its family for expectations against reality.

weight 33% of this tense · 38th percentile among 18 sector filers · read for its shareholders

From the record

Aegon Ltd.'s newest year against its own record: revenue of EUR 21 billion in fiscal 2022 came in 16.9% above the EUR 18 billion its prior three years' pace pointed to (top 14% of its family); net income of EUR 540 million against a prior three-year average of EUR 1.0 billion (bottom 3%); a net margin of -2.5% against 4.5% before (bottom 25%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace16.9%top 14% of its family
  • net income against the prior three years' average-152%bottom 3% of its family
  • net margin against its prior average-7.0 pointsbottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AEG · research, not advice