Aegon vs RGA

This page compares Aegon and RGA to illuminate how their business models, financial performance, and market context differ. It provides neutral, accessible information about each company and its position within the insurance and reinsurance landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AEG

Metric

RGA

$11.83B

Market Cap

$12.77B

15.03%

Potential Profit

18.99%

Strong Buy

Analyst Rating

Buy

Investment Analysis

Aegon

AEG

Pros

Aegon reported a significant turnaround with a net profit of EUR 606 million in the first half of 2025, compared to a net loss in the same period last year.
The company maintains a high dividend yield of over 5%, supported by a stable payout policy and recent share buyback initiatives.
Aegon's price-to-earnings ratio is below industry average, suggesting the stock may be attractively valued relative to earnings.

Considerations

Valuation equity declined to EUR 13.3 billion as of June 2025, mainly due to adverse developments in the contract service margin.
The stock has shown limited price momentum, trading in a narrow range with medium volatility and mixed technical indicators over recent months.
Aegon faces ongoing challenges in certain markets, including adverse experience in some insurance segments and regulatory pressures.

RGA

Pros

Reinsurance Group of America maintains a strong market position as a leading global reinsurer with a diversified international portfolio.
The company has demonstrated consistent profitability and a solid balance sheet, supporting its ability to withstand market cycles.
RGA benefits from favourable industry trends, including rising reinsurance demand and pricing improvements in select markets.

Considerations

RGA is exposed to significant macroeconomic and interest rate risks, which can impact investment returns and capital adequacy.
The stock has a relatively high beta, indicating greater sensitivity to market fluctuations compared to the broader insurance sector.
Reinsurance margins can be pressured by increased competition and large-scale catastrophe events, affecting earnings stability.

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.

RGA (RGA)

Reinsurance Group of America (RGA) is a global life and health reinsurance company that provides risk-transfer solutions and capital management services to insurers. With a market capitalisation of about $12.52B, RGA specialises in mortality, longevity and morbidity risk, using actuarial expertise and analytics to price and manage long‑dated exposures. Investors should note its sensitivity to interest rates, credit markets and claims experience — favourable investment returns and lower-than-expected claims can boost results, while adverse mortality trends, large claims events or capital market stress can weigh on profitability. RGA emphasises capital management and risk diversification across products and geographies, but underwriting and reserving judgement remain key drivers of outcomes. This summary is for educational purposes only and not personalised advice; all investing carries risk, values can fall as well as rise, and past performance does not guarantee future returns. Consider your own objectives, time horizon and risk tolerance or consult a regulated adviser before acting.

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Comparison Snapshot