Insurance - Diversified
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AEG vs MET
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Life
AEG vs MET — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Life |
| Market Cap | $12.62B | $52.27B |
| Revenue (TTM) | $29.40B | $76.13B |
| Net Income (TTM) | $1.25B | $3.38B |
| Gross Margin | 100.0% | 25.6% |
| Operating Margin | 34.5% | 6.1% |
| Forward P/E | 9.6x | 8.2x |
| Total Debt | $5.00B | $20.18B |
| Cash & Equiv. | $3.47B | $22.03B |
AEG vs MET — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Aegon Ltd. (AEG) | 100 | 314.2 | +214.2% |
| MetLife, Inc. (MET) | 100 | 222.6 | +122.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AEG vs MET
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AEG carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.86, yield 3.6%
- Rev growth 50.4%, EPS growth 350.0%, 3Y rev CAGR -25.1%
- Lower volatility, beta 0.86, Low D/E 53.6%, current ratio 4.14x
MET is the clearest fit if your priority is long-term compounding.
- 156.8% 10Y total return vs AEG's 102.3%
- Lower P/E (8.2x vs 9.6x)
- 4.4% margin vs AEG's 4.2%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 50.4% revenue growth vs MET's 10.2% | |
| Value | Lower P/E (8.2x vs 9.6x) | |
| Quality / Margins | 4.4% margin vs AEG's 4.2% | |
| Stability / Safety | Beta 0.86 vs MET's 1.09, lower leverage | |
| Dividends | 3.6% yield, vs MET's 2.8% | |
| Momentum (1Y) | +33.0% vs MET's +7.9% | |
| Efficiency (ROA) | 0.5% ROA vs AEG's 0.4%, ROIC 13.1% vs 4.7% |
AEG vs MET — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
AEG vs MET — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
AEG leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MET is the larger business by revenue, generating $76.1B annually — 2.6x AEG's $29.4B. Profitability is closely matched — net margins range from 4.4% (MET) to 4.2% (AEG). On growth, AEG holds the edge at +106.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $29.4B | $76.1B |
| EBITDAEarnings before interest/tax | $10.2B | $5.7B |
| Net IncomeAfter-tax profit | $1.2B | $3.4B |
| Free Cash FlowCash after capex | $509M | $18.1B |
| Gross MarginGross profit ÷ Revenue | +100.0% | +25.6% |
| Operating MarginEBIT ÷ Revenue | +34.5% | +6.1% |
| Net MarginNet income ÷ Revenue | +4.2% | +4.4% |
| FCF MarginFCF ÷ Revenue | +1.7% | +23.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +106.2% | +29.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +14.2% | -34.3% |
Valuation Metrics
MET leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 16.7x trailing earnings, MET trades at a 30% valuation discount to AEG's 23.8x P/E. On an enterprise value basis, MET's 8.8x EV/EBITDA is more attractive than AEG's 19.6x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $12.6B | $52.3B |
| Enterprise ValueMkt cap + debt − cash | $14.4B | $50.4B |
| Trailing P/EPrice ÷ TTM EPS | 23.83x | 16.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.60x | 8.19x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 19.62x | 8.81x |
| Price / SalesMarket cap ÷ Revenue | 0.55x | 0.68x |
| Price / BookPrice ÷ Book value/share | 1.54x | 1.84x |
| Price / FCFMarket cap ÷ FCF | 15.13x | 2.89x |
Profitability & Efficiency
Evenly matched — AEG and MET each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
AEG delivers a 13.3% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $12 for MET. AEG carries lower financial leverage with a 0.54x debt-to-equity ratio, signaling a more conservative balance sheet compared to MET's 0.70x.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +13.3% | +11.9% |
| ROA (TTM)Return on assets | +0.4% | +0.5% |
| ROICReturn on invested capital | +4.7% | +13.1% |
| ROCEReturn on capital employed | +0.2% | +1.0% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 8 |
| Debt / EquityFinancial leverage | 0.54x | 0.70x |
| Net DebtTotal debt minus cash | $1.5B | -$1.8B |
| Cash & Equiv.Liquid assets | $3.5B | $22.0B |
| Total DebtShort + long-term debt | $5.0B | $20.2B |
| Interest CoverageEBIT ÷ Interest expense | 41.15x | 5.39x |
Total Returns (Dividends Reinvested)
AEG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AEG five years ago would be worth $20,964 today (with dividends reinvested), compared to $13,534 for MET. Over the past 12 months, AEG leads with a +33.0% total return vs MET's +7.9%. The 3-year compound annual growth rate (CAGR) favors AEG at 29.0% vs MET's 17.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +8.1% | +0.5% |
| 1-Year ReturnPast 12 months | +33.0% | +7.9% |
| 3-Year ReturnCumulative with dividends | +114.5% | +61.5% |
| 5-Year ReturnCumulative with dividends | +109.6% | +35.3% |
| 10-Year ReturnCumulative with dividends | +102.3% | +156.8% |
| CAGR (3Y)Annualised 3-year return | +29.0% | +17.3% |
Risk & Volatility
AEG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AEG is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than MET's 1.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AEG currently trades 99.8% from its 52-week high vs MET's 95.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.86x | 1.09x |
| 52-Week HighHighest price in past year | $8.41 | $83.64 |
| 52-Week LowLowest price in past year | $6.61 | $67.33 |
| % of 52W HighCurrent price vs 52-week peak | +99.8% | +95.8% |
| RSI (14)Momentum oscillator 0–100 | 63.8 | 66.3 |
| Avg Volume (50D)Average daily shares traded | 5.9M | 3.5M |
Analyst Outlook
Evenly matched — AEG and MET each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AEG as "Hold" and MET as "Buy". Consensus price targets imply 20.4% upside for MET (target: $97) vs -10.6% for AEG (target: $8). For income investors, AEG offers the higher dividend yield at 3.63% vs MET's 2.83%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $7.50 | $96.50 |
| # AnalystsCovering analysts | 16 | 33 |
| Dividend YieldAnnual dividend ÷ price | +3.6% | +2.8% |
| Dividend StreakConsecutive years of raises | 0 | 13 |
| Dividend / ShareAnnual DPS | $0.26 | $2.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +8.6% | +7.4% |
AEG leads in 3 of 6 categories (Income & Cash Flow, Total Returns). MET leads in 1 (Valuation Metrics). 2 tied.
AEG vs MET: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AEG or MET a better buy right now?
For growth investors, Aegon Ltd.
(AEG) is the stronger pick with 50. 4% revenue growth year-over-year, versus 10. 2% for MetLife, Inc. (MET). MetLife, Inc. (MET) offers the better valuation at 16. 7x trailing P/E (8. 2x forward), making it the more compelling value choice. Analysts rate MetLife, Inc. (MET) a "Buy" — based on 33 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AEG or MET?
On trailing P/E, MetLife, Inc.
(MET) is the cheapest at 16. 7x versus Aegon Ltd. at 23. 8x. On forward P/E, MetLife, Inc. is actually cheaper at 8. 2x.
03Which is the better long-term investment — AEG or MET?
Over the past 5 years, Aegon Ltd.
(AEG) delivered a total return of +109. 6%, compared to +35. 3% for MetLife, Inc. (MET). Over 10 years, the gap is even starker: MET returned +156. 8% versus AEG's +102. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AEG or MET?
By beta (market sensitivity over 5 years), Aegon Ltd.
(AEG) is the lower-risk stock at 0. 86β versus MetLife, Inc. 's 1. 09β — meaning MET is approximately 27% more volatile than AEG relative to the S&P 500. On balance sheet safety, Aegon Ltd. (AEG) carries a lower debt/equity ratio of 54% versus 70% for MetLife, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AEG or MET?
By revenue growth (latest reported year), Aegon Ltd.
(AEG) is pulling ahead at 50. 4% versus 10. 2% for MetLife, Inc. (MET). On earnings-per-share growth, the picture is similar: Aegon Ltd. grew EPS 350. 0% year-over-year, compared to -19. 2% for MetLife, Inc.. Over a 3-year CAGR, MET leads at 4. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AEG or MET?
MetLife, Inc.
(MET) is the more profitable company, earning 4. 4% net margin versus 3. 5% for Aegon Ltd. — meaning it keeps 4. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MET leads at 6. 0% versus 3. 4% for AEG. At the gross margin level — before operating expenses — AEG leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AEG or MET more undervalued right now?
On forward earnings alone, MetLife, Inc.
(MET) trades at 8. 2x forward P/E versus 9. 6x for Aegon Ltd. — 1. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MET: 20. 4% to $96. 50.
08Which pays a better dividend — AEG or MET?
All stocks in this comparison pay dividends.
Aegon Ltd. (AEG) offers the highest yield at 3. 6%, versus 2. 8% for MetLife, Inc. (MET).
09Is AEG or MET better for a retirement portfolio?
For long-horizon retirement investors, Aegon Ltd.
(AEG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 86), 3. 6% yield, +102. 3% 10Y return). Both have compounded well over 10 years (AEG: +102. 3%, MET: +156. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AEG and MET?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AEG is a mid-cap high-growth stock; MET is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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