ageas (FO4) Stock Price & Analysis
FO4 Stock Chart & Stats
- Day’s Range
- EUR 75.00 - EUR 75.00
- 52-Week Range
- EUR 56.00 - EUR 76.00
- Previous Close
- EUR 75.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 15.84B
- Enterprise Value
- EUR 27.53B
- Total Cash (Recent Filing)
- EUR 62.23B
- Total Debt (Recent Filing)
- EUR 7.19B
- Price to Earnings (P/E)
- 7.8
- Beta
- 0.41
- Next Earnings
- Feb 24, 2027 (Est.)
- EPS Estimate
- 6.11
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.99%
Bulls Say, Bears Say
Bulls Say
Broad Inflow Growth Across Life And Non-Life
Strong growth across both major insurance segments indicates broad customer demand and expanding commercial activity rather than reliance on a single product line. Continued inflow momentum can support scale benefits, recurring premium income, and stronger earnings capacity over the next several quarters.
Improving Cash Generation And Capital Strength
High cash generation and a substantial solvency buffer give Ageas flexibility to fund policyholder obligations, dividends, and strategic investments. The planned Malaysian transaction uplift further supports capital resilience, although ongoing monitoring remains important through insurance and market cycles.
Strong Life Profitability And New-business Economics
Life is demonstrating attractive operating momentum, with higher profitability accompanied by growth in new business and a positive margin. This combination suggests improving franchise productivity and the potential for durable value creation as new policies contribute earnings over their extended duration.
Bears Say
Non-Life Earnings Remain Exposed To Weather-related Claims
Weather losses demonstrate that Ageas’s Non-Life profitability remains sensitive to catastrophe and climate-related claims variability. Elevated claims can weaken underwriting margins and consume capital, making sustained pricing, reserving, and risk-selection discipline important for earnings stability.
China Regulatory And Product-mix Pressure
China presents a structural growth and profitability challenge because regulatory change and product migration are reducing new-business margins despite positive inflows. Persistent mix pressure could limit the contribution from the market and require continued adaptation of products and distribution.
Historical Earnings And Cash-flow Variability
Recent cash conversion is strong, but the earlier swings show that Ageas’s earnings and cash generation can vary materially across periods. Such volatility may complicate capital planning and make reported performance less predictable when insurance conditions, business mix, or markets change.
ageas News
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ageas Stock Smart Score
Company Description
ageas
ageas SA/NV, together with its subsidiaries, engages in insurance business. The company operates through five segments: Belgium, Europe, Asia, Reinsurance, and General Account. It provides property, casualty, and life insurance products, as well as pension products; and reinsurance products. The company offers life insurance products include risks related to the health, life, and death of individuals; and non-life insurance products comprise accident and health, motor, and fire insurance products, as well as insurance services for other damages to property; and pension funds. It serves private individuals, as well as small, medium-sized, and large companies through independent brokers, intermediary partners, and the bank channels. ageas SA/NV was founded in 1824 and is headquartered in Brussels, Belgium.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Hans Jozef Josephina de Cuyper
- Employees
- 20,659
- Website
- www.ageas.com
- Address
- Manhattan Center, Brussels, BU, 1210, BE
ageas (FO4) Earnings & Revenues
FO4 Company Deck
FO4 Earnings Call
Earnings Call SentimentPositive
The call conveyed a predominantly positive operational and commercial performance: strong inflows across Life and Non-Life, robust Life profitability, solid capital and cash generation, and an upgraded full-year net operating result and cash upstream guidance. Offsetting headwinds were meaningful weather-related losses that pressured the combined ratio, a decline in the Solvency II ratio driven by several flagged items, a drop in operational free capital generation due to higher capital requirements and one-off upstream items, and some challenges in China (regulatory changes and product-mix pressure). On balance the company demonstrated resilience and strategic progress while acknowledging manageable short-term impacts.
View all DE:FO4 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |












