AEG
Aegon Ltd.
Insurance - Diversified
Market Cap$12.50B
5Y Perf.+211.2%
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Stock Comparison
AEG vs PFG
Revenue, margins, valuation, and 5-year total return — side by side.
PFG
Principal Financial Group, Inc.
Insurance - Diversified
Market Cap$21.78B
5Y Perf.+160.2%
AEG vs PFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AEG | PFG |
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Diversified |
| Market Cap | $12.50B | $21.78B |
| Revenue (TTM) | $29.40B | $15.63B |
| Net Income (TTM) | $1.25B | $1.19B |
| Gross Margin | 100.0% | 45.2% |
| Operating Margin | 34.5% | 9.1% |
| Forward P/E | 9.1x | 10.8x |
| Total Debt | $5.00B | $4.20B |
| Cash & Equiv. | $3.47B | $4.43B |
AEG vs PFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AEG
PFG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Aegon Ltd. (AEG) | 100 | 311.2 | +211.2% |
| Principal Financial… (PFG) | 100 | 260.2 | +160.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AEG vs PFG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AEG leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Principal Financial Group, Inc. is the stronger pick specifically for profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
AEG
Aegon Ltd.
The Insurance Pick
AEG carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.90, yield 3.7%
- Rev growth 50.4%, EPS growth 350.0%, 3Y rev CAGR -25.1%
- Lower volatility, beta 0.90, Low D/E 53.6%, current ratio 4.14x
Best for: income & stability and growth exposure
PFG
Principal Financial Group, Inc.
The Insurance Pick
PFG is the clearest fit if your priority is long-term compounding.
- 196.9% 10Y total return vs AEG's 102.7%
- 7.6% margin vs AEG's 4.2%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AEG | 50.4% revenue growth vs PFG's -3.1% |
| Value | AEG | Lower P/E (9.1x vs 10.8x) |
| Quality / Margins | PFG | 7.6% margin vs AEG's 4.2% |
| Stability / Safety | AEG | Beta 0.90 vs PFG's 0.98 |
| Dividends | AEG | 3.7% yield, vs PFG's 3.0% |
| Momentum (1Y) | AEG | +32.2% vs PFG's +31.4% |
| Efficiency (ROA) | AEG | 0.4% ROA vs PFG's 0.4%, ROIC 4.7% vs 9.0% |
AEG vs PFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
AEG vs PFG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAEGLAGGINGPFG
PFGPrincipal Financial G…
1leads
AEGAegon Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs PFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AEG4/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PFG6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
AEG4/6
Risk & VolatilityBeta, volatility, and downside exposure
AEG2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
AEG leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
AEG is the larger business by revenue, generating $29.4B annually — 1.9x PFG's $15.6B. Profitability is closely matched — net margins range from 7.6% (PFG) to 4.2% (AEG). On growth, AEG holds the edge at +106.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| RevenueTrailing 12 months | $29.4B | $15.6B |
| EBITDAEarnings before interest/tax | $10.2B | $1.4B |
| Net IncomeAfter-tax profit | $1.2B | $1.2B |
| Free Cash FlowCash after capex | $509M | $4.4B |
| Gross MarginGross profit ÷ Revenue | +100.0% | +45.2% |
| Operating MarginEBIT ÷ Revenue | +34.5% | +9.1% |
| Net MarginNet income ÷ Revenue | +4.2% | +7.6% |
| FCF MarginFCF ÷ Revenue | +1.7% | +28.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +106.2% | -3.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +14.2% | -40.8% |
AEG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
Evenly matched — AEG and PFG each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 19.1x trailing earnings, PFG trades at a 19% valuation discount to AEG's 23.6x P/E. On an enterprise value basis, PFG's 12.9x EV/EBITDA is more attractive than AEG's 19.5x.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| Market CapShares × price | $12.5B | $21.8B |
| Enterprise ValueMkt cap + debt − cash | $14.3B | $21.5B |
| Trailing P/EPrice ÷ TTM EPS | 23.61x | 19.14x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.06x | 10.80x |
| PEG RatioP/E ÷ EPS growth rate | — | 13.85x |
| EV / EBITDAEnterprise value multiple | 19.46x | 12.92x |
| Price / SalesMarket cap ÷ Revenue | 0.55x | 1.39x |
| Price / BookPrice ÷ Book value/share | 1.53x | 1.83x |
| Price / FCFMarket cap ÷ FCF | 14.98x | 4.91x |
Evenly matched — AEG and PFG each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
PFG leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
AEG delivers a 13.3% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $10 for PFG. PFG carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to AEG's 0.54x. On the Piotroski fundamental quality scale (0–9), AEG scores 8/9 vs PFG's 6/9, reflecting strong financial health.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| ROE (TTM)Return on equity | +13.3% | +9.9% |
| ROA (TTM)Return on assets | +0.4% | +0.4% |
| ROICReturn on invested capital | +4.7% | +9.0% |
| ROCEReturn on capital employed | +0.2% | +0.4% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 6 |
| Debt / EquityFinancial leverage | 0.54x | 0.34x |
| Net DebtTotal debt minus cash | $1.5B | -$227M |
| Cash & Equiv.Liquid assets | $3.5B | $4.4B |
| Total DebtShort + long-term debt | $5.0B | $4.2B |
| Interest CoverageEBIT ÷ Interest expense | 41.15x | 644.64x |
PFG leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
AEG leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AEG five years ago would be worth $20,574 today (with dividends reinvested), compared to $17,104 for PFG. Over the past 12 months, AEG leads with a +32.2% total return vs PFG's +31.4%. The 3-year compound annual growth rate (CAGR) favors AEG at 28.6% vs PFG's 15.2% — a key indicator of consistent wealth creation.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| YTD ReturnYear-to-date | +7.1% | +13.3% |
| 1-Year ReturnPast 12 months | +32.2% | +31.4% |
| 3-Year ReturnCumulative with dividends | +112.7% | +52.9% |
| 5-Year ReturnCumulative with dividends | +105.7% | +71.0% |
| 10-Year ReturnCumulative with dividends | +102.7% | +196.9% |
| CAGR (3Y)Annualised 3-year return | +28.6% | +15.2% |
AEG leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
AEG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AEG is the less volatile stock with a 0.90 beta — it tends to amplify market swings less than PFG's 0.98 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.90x | 0.98x |
| 52-Week HighHighest price in past year | $8.41 | $103.00 |
| 52-Week LowLowest price in past year | $6.61 | $75.00 |
| % of 52W HighCurrent price vs 52-week peak | +98.8% | +97.6% |
| RSI (14)Momentum oscillator 0–100 | 61.5 | 62.1 |
| Avg Volume (50D)Average daily shares traded | 5.9M | 1.4M |
AEG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AEG and PFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AEG as "Hold" and PFG as "Hold". Consensus price targets imply -6.0% upside for PFG (target: $95) vs -9.7% for AEG (target: $8). For income investors, AEG offers the higher dividend yield at 3.66% vs PFG's 3.02%.
| Metric | AEGAegon Ltd. | PFGPrincipal Financi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $7.50 | $94.50 |
| # AnalystsCovering analysts | 16 | 25 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +3.0% |
| Dividend StreakConsecutive years of raises | 0 | 17 |
| Dividend / ShareAnnual DPS | $0.26 | $3.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +8.7% | +4.1% |
Evenly matched — AEG and PFG each lead in 1 of 2 comparable metrics.
Key Takeaway
AEG leads in 3 of 6 categories (Income & Cash Flow, Total Returns). PFG leads in 1 (Profitability & Efficiency). 2 tied.
Best OverallAegon Ltd. (AEG)Leads 3 of 6 categories
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AEG vs PFG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AEG or PFG a better buy right now?
For growth investors, Aegon Ltd.
(AEG) is the stronger pick with 50. 4% revenue growth year-over-year, versus -3. 1% for Principal Financial Group, Inc. (PFG). Principal Financial Group, Inc. (PFG) offers the better valuation at 19. 1x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate Aegon Ltd. (AEG) a "Hold" — based on 16 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 PFG?
On trailing P/E, Principal Financial Group, Inc.
(PFG) is the cheapest at 19. 1x versus Aegon Ltd. at 23. 6x. On forward P/E, Aegon Ltd. is actually cheaper at 9. 1x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AEG or PFG?
Over the past 5 years, Aegon Ltd.
(AEG) delivered a total return of +105. 7%, compared to +71. 0% for Principal Financial Group, Inc. (PFG). Over 10 years, the gap is even starker: PFG returned +196. 9% versus AEG's +102. 7%. 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 PFG?
By beta (market sensitivity over 5 years), Aegon Ltd.
(AEG) is the lower-risk stock at 0. 90β versus Principal Financial Group, Inc. 's 0. 98β — meaning PFG is approximately 9% more volatile than AEG relative to the S&P 500. On balance sheet safety, Principal Financial Group, Inc. (PFG) carries a lower debt/equity ratio of 34% versus 54% for Aegon Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — AEG or PFG?
By revenue growth (latest reported year), Aegon Ltd.
(AEG) is pulling ahead at 50. 4% versus -3. 1% for Principal Financial Group, Inc. (PFG). On earnings-per-share growth, the picture is similar: Aegon Ltd. grew EPS 350. 0% year-over-year, compared to -21. 4% for Principal Financial Group, Inc.. Over a 3-year CAGR, PFG leads at -3. 8% 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 PFG?
Principal Financial Group, Inc.
(PFG) is the more profitable company, earning 7. 6% net margin versus 3. 5% for Aegon Ltd. — meaning it keeps 7. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFG leads at 9. 1% 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 PFG more undervalued right now?
On forward earnings alone, Aegon Ltd.
(AEG) trades at 9. 1x forward P/E versus 10. 8x for Principal Financial Group, Inc. — 1. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PFG: -6. 0% to $94. 50.
08Which pays a better dividend — AEG or PFG?
All stocks in this comparison pay dividends.
Aegon Ltd. (AEG) offers the highest yield at 3. 7%, versus 3. 0% for Principal Financial Group, Inc. (PFG).
09Is AEG or PFG 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. 90), 3. 7% yield, +102. 7% 10Y return). Both have compounded well over 10 years (AEG: +102. 7%, PFG: +196. 9%), 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 PFG?
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; PFG is a mid-cap income-oriented 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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Revenue Growth>
%
(AEG: 106.2% · PFG: -3.7%)Net Margin>
%
(AEG: 4.2% · PFG: 7.6%)P/E Ratio<
x
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