ageas SA/NV

AGS · BR · Financial Services / Insurance - Diversified

73.55EUR-0.05 (-0.07%)

Price History

Full chart

Market Stats

Previous Close73.6

Open73.55

Day Range73.55 – 74.85

52-Week Range53.31 – 77.05

Volume276.62K

Market Cap15.44B

P/E (TTM)7.55

Forward P/E8.50

EPS9.72

Dividend Yield6.13%

Beta0.54

50-Day Avg74.06

200-Day Avg67.04

About

ageas SA/NV, together with its subsidiaries, engages in insurance business. It operates through five segments: Belgium, Europe, Asia, Reinsurance, and General Account. The company provides property, casualty, and life insurance products, as well as pension products; and reinsurance products. It offers life insurance products include risks related to the 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. The company serves private individuals, as well as small, medium-sized, and large companies through independent brokers and the bank channels. ageas SA/NV was founded in 1824 and is based in Brussels, Belgium.

Company Details

SectorFinancial Services
IndustryInsurance - Diversified
CEOMr. Hans Jozef Josephina de Cuyper
Employees19.12K
HeadquartersManhattan Center, Brussels, Belgium, 1210, Belgium
Websitehttps://www.ageas.com

Leadership

Mr. Hans Jozef Josephina de CuyperCEO & Executive Director · b. 1969
Mr. Wim GuilliamsCFO & Executive Director · b. 1973
Mr. Emmanuel Van GrimbergenMD of Reinsurance & Investments · b. 1968
Ms. Heidi DelobelleManaging Director of Belgium · b. 1970
Mr. Ben Karel Eugene Fons CoumansManaging Director of Europe · b. 1976
Ms. Karolien GielenManaging Director of Business Development & Asia · b. 1984
Mr. Christophe Ghislain F. VandewegheChief Risk Officer & Executive Director
Mr. Arnaud NicolasHead of Investor Relations
Jerry BataHead of Legal
Ms. Valerie Van ZeverenCompany Secretary

Financials

Income Statement

Line item	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	50.09B	71.93B	88.67B	95.04B	14.28B	8.64B	15.78B	13.92B	11.67B	14.57B	12.58B	13.78B	13.15B	12.76B	11.85B	11.07B	14.11B	11.57B	12.91B	4.89B	7.88B	8.48B	9.04B
Cost of Revenue	-	1.52B	1.61B	1.92B	16.42B	6.11B	972.00M	1.05B	1.05B	1.17B	1.18B	1.26B	1.25B	1.15B	1.10B	1.05B	1.08B	1.14B	1.22B	2.08B	936.00M	1.05B	1.13B
Gross Profit	50.09B	70.41B	87.06B	93.12B	-2.14B	2.53B	14.81B	12.87B	10.62B	13.41B	11.40B	12.52B	11.90B	11.62B	10.75B	10.02B	13.03B	10.43B	11.69B	2.82B	6.94B	7.43B	7.91B
Operating Income	2.25B	2.89B	5.15B	5.38B	121.00M	-477.00M	1.65B	141.20M	-756.80M	1.27B	979.80M	793.10M	1.17B	434.70M	1.11B	1.25B	1.43B	1.53B	1.23B	1.49B	1.43B	1.57B	2.17B
EBITDA	21.99B	39.03B	66.34B	71.33B	1.59B	1.24B	2.72B	1.05B	199.10M	2.28B	1.95B	1.87B	2.04B	1.30B	1.95B	2.02B	2.19B	2.50B	2.19B	2.03B	2.04B	2.17B	2.82B
Net Income	1.75B	2.35B	3.94B	4.35B	3.99B	-28.00B	1.33B	363.80M	-578.20M	743.00M	569.50M	475.60M	770.20M	27.10M	623.20M	809.10M	979.00M	1.14B	845.00M	1.10B	953.00M	1.12B	1.71B
Interest Expense	19.73B	34.35B	60.23B	65.12B	1.28B	1.34B	497.80M	298.40M	269.00M	218.30M	166.30M	125.90M	123.60M	119.40M	98.00M	93.40M	106.00M	118.00M	126.00M	153.00M	275.00M	286.00M	288.00M

Balance Sheet

Line item	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	523.25B	570.65B	728.99B	775.23B	871.18B	92.87B	93.24B	99.17B	90.60B	97.11B	95.74B	103.56B	104.49B	104.29B	103.34B	101.69B	109.45B	111.42B	111.14B	100.30B	96.69B	98.45B	107.07B
Total Liabilities	509.24B	554.83B	709.34B	753.68B	836.99B	85.56B	83.24B	89.30B	82.23B	86.33B	86.31B	92.65B	92.51B	94.09B	93.18B	90.17B	95.97B	97.64B	96.97B	91.67B	88.19B	89.66B	95.57B
Total Equity	11.89B	14.37B	18.93B	20.64B	33.05B	6.79B	8.35B	8.25B	7.76B	9.91B	8.53B	10.22B	11.38B	9.56B	9.61B	9.41B	11.22B	11.55B	11.91B	7.58B	7.42B	7.75B	9.44B
Cash	8.29B	5.22B	21.82B	20.41B	26.36B	5.93B	5.64B	3.26B	2.70B	2.45B	2.21B	2.52B	2.39B	2.18B	2.55B	2.92B	3.75B	2.24B	1.94B	1.15B	1.88B	2.08B	3.10B
Total Debt	52.28B	51.94B	77.27B	90.69B	319.45B	7.76B	3.69B	5.62B	5.51B	4.22B	3.55B	3.89B	4.29B	3.70B	3.55B	3.48B	4.91B	4.71B	4.73B	4.44B	4.58B	6.35B	7.13B
Net Debt	43.99B	46.73B	55.44B	70.27B	293.09B	1.82B	-1.95B	2.36B	2.81B	1.77B	1.34B	1.37B	1.89B	1.52B	998.40M	555.60M	1.16B	2.47B	2.79B	3.29B	2.71B	2.67B	4.03B

Cash Flow

Line item	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	7.44B	12.25B	-2.84B	-2.98B	-3.40B	9.67B	3.18B	1.31B	2.12B	2.44B	1.92B	-312.80M	404.80M	-725.50M	861.50M	467.00M	-1.33B	-1.06B	-588.00M	121.00M	1.04B	2.90B
Investing Cash Flow	-10.77B	-17.48B	-15.40B	-16.58B	-15.06B	-6.20B	-5.00B	-1.10B	-1.96B	-955.30M	-558.40M	706.40M	257.30M	1.97B	420.20M	270.10M	635.00M	1.44B	1.03B	1.35B	93.00M	-2.69B
Financing Cash Flow	6.83B	1.90B	16.98B	26.32B	-1.94B	-3.78B	-567.90M	-773.10M	-413.60M	-1.70B	-1.03B	-539.40M	-844.90M	-865.20M	-909.20M	77.70M	-804.00M	-684.00M	-1.13B	-868.00M	-952.00M	863.00M
Capital Expenditure	840.20M	898.20M	1.83B	1.49B	80.00M	204.00M	212.40M	306.10M	123.80M	134.90M	154.30M	108.70M	114.20M	100.80M	122.40M	188.10M	358.00M	147.00M	164.00M	239.00M	403.00M	322.00M
Free Cash Flow	6.60B	11.36B	-4.67B	-4.47B	-3.48B	9.46B	2.97B	999.40M	2.00B	2.31B	1.76B	-421.50M	290.60M	-826.30M	739.10M	278.90M	-1.69B	-1.21B	-752.00M	-115.00M	642.00M	2.58B
Dividends Paid	1.18B	2.01B	1.60B	1.95B	1.38B	7.00M	191.50M	196.60M	194.60M	272.10M	310.60M	328.90M	338.30M	419.40M	403.20M	415.70M	485.00M	485.00M	765.00M	540.00M	584.00M	657.00M

Earnings

Report Date	Mar 13, 2003	Mar 11, 2004	Aug 26, 2004	Nov 24, 2004	May 25, 2005	Aug 25, 2005	Nov 23, 2005	May 18, 2006	Aug 10, 2006	Nov 9, 2006	May 11, 2007	Aug 9, 2007	Nov 8, 2007	Mar 7, 2008	May 13, 2008	Aug 4, 2008	Aug 27, 2009	Nov 17, 2009	May 12, 2010	Aug 25, 2010	Nov 10, 2010	Mar 9, 2011	May 18, 2011	Aug 24, 2011	Nov 9, 2011	Feb 20, 2012	May 14, 2012	Aug 6, 2012	Nov 7, 2012	Feb 20, 2013	May 15, 2013	Aug 2, 2013	Nov 6, 2013	Feb 19, 2014	May 14, 2014	Aug 6, 2014	Nov 5, 2014	Feb 12, 2015	May 8, 2015	Aug 5, 2015	Nov 4, 2015	Feb 17, 2016	May 19, 2016	Aug 10, 2016	Nov 16, 2016	Feb 15, 2017	May 10, 2017	Aug 8, 2017	Nov 8, 2017	Feb 21, 2018	May 16, 2018	Aug 8, 2018	Nov 14, 2018	Feb 20, 2019	May 15, 2019	Aug 7, 2019	Nov 6, 2019	Feb 19, 2020	May 13, 2020	Aug 5, 2020	Nov 13, 2020	Feb 24, 2021	May 12, 2021	Aug 11, 2021	Nov 10, 2021	Feb 23, 2022	May 11, 2022	Aug 10, 2022	Nov 9, 2022	Feb 21, 2023	May 26, 2023	Aug 30, 2023	Nov 8, 2023	Mar 1, 2024	May 15, 2024	Aug 28, 2024	Nov 29, 2024	Apr 9, 2025	Aug 27, 2025	Nov 28, 2025	Feb 25, 2027
EPS Estimate	-	-	3.53	3.62	6.42	4.34	4.59	6.86	6.43	5.94	7.66	7.94	5.60	-	4.88	3.85	0.10	0.60	-	-	-	-	-	-	-	-	-	-	-	1.22	0.60	0.58	0.64	0.63	0.08	0.54	0.71	0.64	0.96	0.77	0.88	0.91	0.61	2.88	0.85	0.91	1.00	0.83	0.92	1.18	0.95	1.01	0.84	0.85	1.19	1.60	1.42	1.04	1.25	1.28	1.35	1.06	1.38	1.32	0.81	1.20	1.13	1.15	1.59	1.29	1.36	1.31	1.48	1.14	1.63	1.64	1.63	1.63	1.74	1.72	-
EPS Actual	4.00	5.31	4.42	4.35	6.78	6.77	5.94	8.46	8.87	5.78	7.45	10.30	4.90	-3.14	5.10	7.80	1.29	0.45	-0.81	2.65	0.77	-1.64	-0.59	0.37	-1.84	-0.18	-0.35	1.62	0.89	0.96	0.68	0.78	0.19	0.25	0.13	0.87	1.12	0.71	1.10	1.06	0.60	0.93	0.95	2.65	0.88	0.70	1.09	0.61	0.38	1.32	1.25	0.98	1.09	0.79	1.30	1.83	1.41	0.53	0.94	1.78	1.07	0.81	1.58	0.59	0.86	1.49	1.14	1.33	0.61	1.65	1.44	1.44	0.00	1.15	0.00	1.74	0.00	2.60	3.65	0.00	-
Surprise	-	-	25.21%	20.17%	5.61%	55.99%	29.41%	23.32%	37.95%	-2.69%	-2.74%	29.72%	-12.50%	-	4.51%	102.60%	1190.00%	-25.00%	-	-	-	-	-	-	-	-	-	-	-	-21.31%	13.33%	34.48%	-70.31%	-60.32%	62.50%	61.11%	57.75%	10.94%	14.58%	37.66%	-31.82%	2.20%	55.74%	-7.99%	3.53%	-23.08%	9.00%	-26.51%	-58.70%	11.86%	31.58%	-2.97%	29.76%	-7.06%	9.24%	14.38%	-0.70%	-49.04%	-24.80%	39.06%	-20.74%	-23.58%	14.49%	-55.30%	6.17%	24.17%	0.89%	15.65%	-61.64%	27.91%	5.88%	10.27%	-100.00%	0.68%	-100.00%	6.38%	-100.00%	59.51%	109.77%	-100.00%	-
Timing	-	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	-	-	-	-	-	-	-	-	-	-	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	-	After-hours	Pre-market	-	-	-	After-hours	-	Pre-market

Key Statistics & Ratios

Market Cap15.44B

Enterprise Value20.29B

Trailing P/E7.55

Forward P/E8.50

PEG Ratio6.39

Price / Sales1.28

Price / Book1.51

EPS9.72

Book Value48.86

Revenue (TTM)10.64B

Gross Profit (TTM)2.90B

EBITDA1.25B

Profit Margin17.67%

Operating Margin6.75%

Return on Equity19.75%

Return on Assets0.56%

Shares Outstanding209.23M

Shares Float197.29M

Beta0.54

Dividend Yield6.13%

Dividend Rate4.5

Payout Ratio38.58%

Dividends

20261×

2.25Jun 3, 2026

20252×

1.50Dec 3, 20252.00Jun 4, 2025

20242×

1.50Dec 4, 20241.75Jun 5, 2024

20232×

1.50Oct 25, 20231.50May 31, 2023

20222×

1.50Oct 26, 20222.75Jun 1, 2022

20211×

2.65Jun 2, 2021

20202×

2.38Nov 3, 20200.27Jun 2, 2020

20191×

2.20May 27, 2019

20181×

2.10May 28, 2018

20171×

2.10May 29, 2017

20161×

1.65May 9, 2016

20151×

1.55May 6, 2015

20141×

1.40May 5, 2014

20132×

1.00Dec 10, 20131.20Apr 26, 2013

20121×

0.80Apr 30, 2012

20111×

0.80May 2, 2011

20101×

0.80May 3, 2010

20081×

5.90May 2, 2008

Stock Splits

Aug 7, 20121:10