Aegon vs CNA

Aegon vs CNA: this page compares business models, financial performance, and market context to help readers understand how Aegon and CNA operate within their sectors. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AEG

Metric

CNA

$11.83B

Market Cap

$12.56B

15.03%

Potential Profit

-20.81%

Strong Buy

Analyst Rating

Hold

Investment Analysis

Aegon

AEG

Pros

Aegon reported a net profit of €606 million in the first half of 2025, reversing a net loss from the same period in 2024.
Operating result increased by 19% to €845 million, driven by business growth and improved experience variance in key areas.
Solvency II ratio improved to 203% as of June 2025, reflecting stronger capital adequacy and organic capital creation.

Considerations

The company's P/E ratio of 16.1x is higher than the sector average, suggesting a relatively expensive valuation.
Price-to-book ratio of 1.1x is below sector average, indicating limited premium for tangible assets.
Recent performance improvements are partly due to favourable non-operating items, which may not be sustainable.

CNA

Pros

CNA maintains a solid balance sheet with strong liquidity and a robust solvency position relative to industry peers.
The company has demonstrated consistent underwriting profitability in its core property and casualty segments.
CNA benefits from a diversified business model with exposure to both commercial and specialty insurance markets.

Considerations

Cyclicality in commercial insurance exposes CNA to potential earnings volatility during economic downturns.
The company faces ongoing exposure to natural catastrophe losses, which can materially impact annual results.
Growth in premium rates has slowed recently, limiting top-line expansion in a competitive market environment.

About The Companies

Aegon (AEG)

Aegon NV is a Dutch-based international financial services holding company with a history stretching back over 175 years. The company operates across numerous countries, offering a broad range of products in insurance, pensions, long-term savings, and asset management. In the United States, it is widely known through its Transamerica brand, providing life insurance and retirement solutions. In its home market, the Netherlands, it focuses heavily on pensions, life insurance, and mortgages. The company also has a significant presence in the United Kingdom as an investment platform for advisers and employers. Aegon's global reach extends into Asia through a joint venture in China and into Southern Europe via a partnership with Banco Santander in Spain and Portugal. This diversified model allows it to serve a wide variety of customers, from individuals to large corporations, with their long-term financial planning needs, although all investments carry risk and past performance is no guarantee of future returns.

CNA (CNA)

CNA Financial Corporation (CNA) is a US-based commercial property and casualty insurer offering a range of liability, property, and specialty products to businesses and organisations. With a market capitalisation of about $12.37 billion, CNA earns through underwriting premiums and investment income from its portfolio. Key things investors should know include sensitivity to underwriting cycles, claims severity (including catastrophe events), and regulatory capital requirements that can affect returns and dividend capacity. Management focus on underwriting discipline, pricing, reinsurance and expense control can influence profitability, while interest rates and market returns shape investment income. Like all insurance stocks, CNA’s performance can be cyclical and influenced by broader economic trends and natural disaster frequency. This summary is educational and not investment advice; values can rise and fall, and past results do not guarantee future performance. Consider your objectives and risk tolerance and consult a financial professional before making decisions.

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Comparison Snapshot