ageas SA/NV

OTCPK:AGES.F Stock Report

Market Cap: US$13.8b

ageas Valuation

Is AGES.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of AGES.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: AGES.F ($69.95) is trading below our estimate of future cash flow value ($173.1)

Significantly Below Future Cash Flow Value: AGES.F is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AGES.F?

Key metric: As AGES.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for AGES.F. This is calculated by dividing AGES.F's market cap by their current earnings.
What is AGES.F's PE Ratio?
PE Ratio10.1x
Earnings€1.15b
Market Cap€11.66b

Price to Earnings Ratio vs Peers

How does AGES.F's PE Ratio compare to its peers?

The above table shows the PE ratio for AGES.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.6x
HMN Horace Mann Educators
10.7x11.10%US$1.7b
CNA CNA Financial
10.3xn/aUS$13.2b
UNM Unum Group
16.1x17.42%US$11.9b
FNF Fidelity National Financial
13.2x19.06%US$15.4b
AGES.F ageas
10.1x5.65%US$11.7b

Price-To-Earnings vs Peers: AGES.F is good value based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (12.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does AGES.F's PE Ratio compare vs other companies in the US Insurance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
KG Kestrel Group
1.4xn/aUS$91.66m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
AGES.F 10.1xIndustry Avg. 12.2xNo. of Companies20PE0816243240+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: AGES.F is good value based on its Price-To-Earnings Ratio (10.1x) compared to the US Insurance industry average (12.3x).

Price to Earnings Ratio vs Fair Ratio

What is AGES.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AGES.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate AGES.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst AGES.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$76.65
0%
6.33%US$86.17US$70.82n/a11
Feb ’27US$69.95
US$76.42
+9.24%
6.49%US$86.57US$71.16n/a11
Jan ’27n/a
US$75.30
0%
6.30%US$85.74US$70.47n/a9
Dec ’26US$69.40
US$73.88
+6.45%
7.48%US$83.58US$66.17n/a11
Nov ’26n/a
US$74.28
0%
9.93%US$84.72US$58.60n/a10
Oct ’26US$66.80
US$74.28
+11.20%
9.93%US$84.72US$58.60n/a10
Sep ’26n/a
US$72.25
0%
10.89%US$83.17US$58.33n/a10
Aug ’26n/a
US$67.23
0%
11.45%US$79.93US$55.95n/a10
Jul ’26n/a
US$67.47
0%
11.52%US$80.09US$57.71n/a10
Jun ’26n/a
US$62.87
0%
9.41%US$73.32US$55.27n/a11
May ’26US$63.77
US$63.37
-0.62%
9.41%US$73.91US$55.71n/a11
Apr ’26n/a
US$59.89
0%
9.85%US$73.42US$52.90n/a12
Mar ’26n/a
US$56.27
0%
9.73%US$67.41US$50.30n/a12
Feb ’26US$51.37
US$55.79
+8.60%
9.68%US$67.38US$50.27US$69.9512
Jan ’26US$46.75
US$56.50
+20.85%
9.76%US$68.34US$50.99n/a12
Dec ’25n/a
US$55.89
0%
7.64%US$65.93US$51.32US$69.4012
Nov ’25n/a
US$55.60
0%
10.54%US$68.66US$45.42n/a12
Oct ’25n/a
US$56.64
0%
10.38%US$70.70US$46.77US$66.8012
Sep ’25n/a
US$55.02
0%
11.13%US$70.18US$45.31n/a12
Aug ’25n/a
US$52.69
0%
12.72%US$68.76US$43.31n/a12
Jul ’25n/a
US$51.48
0%
14.15%US$67.82US$39.52n/a12
Jun ’25n/a
US$52.26
0%
14.78%US$70.06US$40.19n/a12
May ’25n/a
US$51.05
0%
15.29%US$69.00US$39.58US$63.7711
Apr ’25US$46.00
US$52.52
+14.17%
14.87%US$69.86US$40.07n/a10
Mar ’25US$42.39
US$52.89
+24.76%
14.87%US$69.71US$39.99n/a9
Feb ’25n/a
US$51.38
0%
14.07%US$69.86US$40.07US$51.3714
US$74.04
Fair Value
5.5% undervalued intrinsic discount
11
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/15 06:56
End of Day Share Price 2026/01/27 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ageas SA/NV is covered by 25 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Alessia MagniBarclays
Michael HuttnerBerenberg
Francois BoissinBNP Paribas