ageas (DE:FO4)
FRANKFURT:FO4
FO4 Stock Chart & Stats
€57.00
€0.60(1.30%)
At close: 4:00 PM EST
€57.00
€0.60(1.30%)
Day’s Range― - ―
52-Week Range€55.00 - €69.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€13.53B
Enterprise Value€17.73B
Total Cash (Recent Filing)€60.51B
Total Debt (Recent Filing)€5.25B
Price to Earnings (P/E)13.1
Beta0.43
Next Earnings
Aug 27, 2026EPS Estimate
3.91Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)6.26
Shares Outstanding213,938,300
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)1.19
Price to Sales (P/S)1.24
P/FCF Ratio4.37
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)7.67
Revenue Forecast (FY)€9.91B
Bulls Say, Bears Say
Bulls Say
Improved Cash GenerationA sustained step-up to ~€2.6bn free cash flow in 2025 materially strengthens Ageas’s ability to fund dividends, upstreams and M&A without heavy balance sheet strain. Better recurring cashflow raises durable capital flexibility under Solvency constraints and supports shareholder remuneration targets.
Strong Profitability And ROEConsistent positive net income and a mid‑teens ROE indicate underlying underwriting and investment performance capable of generating shareholder value. The 2025 scale-up shows operating leverage potential and provides a durable earnings base to support capital generation and dividend policy.
Strategic M&A Strengthens Market PositionAcquisitions (Saga, esure, full AG ownership) create scale, distribution breadth and cross-sell opportunities in core markets, plus >£100m targeted esure synergies. Greater scale in U.K. personal lines and consolidated Belgian control should improve long-term margins and competitive resilience.
Bears Say
Rising Leverage TrendAn upward leverage trajectory reduces financial flexibility and increases sensitivity to adverse underwriting or market shocks. If earnings or cash upstreams weaken, higher debt amplifies refinancing and solvency risk, constraining capital deployment and potentially forcing more conservative underwriting or slower buyback/dividend policies.
China Product-mix Pressures MarginsA structural pivot to participating savings products in China lowers unit margins and compresses new business profitability over the medium term. While it reduces capital strain, the persistent mix change can depress Life margins and group new business margins, making future earnings more dependent on volume and investment returns.
Reliance On Non-recurring BoostsSignificant parts of 2025 performance were aided by non-recurring items (large reinsurance inflows and one-off benefits elsewhere). Reliance on such boosts raises uncertainty about the sustainability of reported upstreams and operating results, complicating trend visibility and durable earnings forecasts.
ageas News
FO4 FAQ
What was ageas’s price range in the past 12 months?
ageas lowest stock price was €55.00 and its highest was €69.00 in the past 12 months.
What is ageas’s market cap?
ageas’s market cap is €13.53B.
When is ageas’s upcoming earnings report date?
ageas’s upcoming earnings report date is Aug 27, 2026 which is in 78 days.
How were ageas’s earnings last quarter?
ageas released its earnings results on Feb 25, 2026. The company reported €5.007 earnings per share for the quarter, missing the consensus estimate of €5.039 by -€0.032.
Is ageas overvalued?
According to Wall Street analysts ageas’s price is currently Overvalued.
Does ageas pay dividends?
ageas does not currently pay dividends.
What is ageas’s EPS estimate?
ageas’s EPS estimate is 3.91.
How many shares outstanding does ageas have?
ageas has 213,938,300 shares outstanding.
What happened to ageas’s price movement after its last earnings report?
ageas reported an EPS of €5.007 in its last earnings report, missing expectations of €5.039. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of ageas?
Currently, no hedge funds are holding shares in DE:FO4
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
ageas Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.33%
12-Months-Change
Fundamentals
Return on Equity
10.98%
Trailing 12-Months
Asset Growth
23.35%
Trailing 12-Months
Company Description
ageas
Ageas SA/NV, operating with its subsidiaries, provides insurance services throughout Europe and Asia. The company's primary offerings include a diverse portfolio of property, casualty, and life insurance policies, in addition to pension plans and reinsurance products. Its life insurance solutions address risks related to an individual's life and mortality, while its non-life segments cover areas like accident and health, motor vehicle protection, fire damage, and other forms of property loss or liability claims. Ageas serves a broad client base, ranging from private individuals to small, medium, and large corporations, utilizing both independent brokers and bank channels for distribution. The company was founded in 1824 and is based in Brussels, Belgium.
FO4 Company Deck
FO4 Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial update: strong top‑line inflows (+9% group; +16% Non‑Life), materially improved net operating result (above EUR 1.655bn), robust cash upstreams (+18% to EUR 949m) and strengthened capital positions (Solvency II ~211%, equity EUR 17.5bn). Strategic M&A (Saga, esure, AG) and upgraded targets underpin confidence. Headwinds include one‑off tax benefits in China (EUR 300m), product mix shifts that may pressure margins, reliance on a large reinsurance deal that is not fully recurring, increased equity exposure in Asia, and ongoing regional challenges (U.K. claims inflation, Türkiye). Overall, positive results and upgraded guidance outweigh the transitory or manageable negatives.View all DE:FO4 earnings summariesTechnical Analysis
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Options Prices
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