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Aegon (AGN) investor relations material
Aegon Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary13 Nov, 2025
Executive summary
Operating capital generation reached EUR 340 million in Q3 2025, up 1% year-on-year, keeping the group on track for its EUR 1.2 billion full-year target and reflecting strong commercial momentum, especially in the U.S. and international segments.
Cash Capital at Holding stood at EUR 1.9 billion, supported by proceeds from the a.s.r. share sale, dividend payments, and ongoing share buybacks.
U.S. and international life sales grew strongly, with WFG agent base up 12%, life sales up 15%, and annuity sales up 9%.
U.K. business experienced net outflows due to the exit of two large low-margin workplace schemes, but asset management and international segments continued to grow.
The group remains on track to meet all 2025 financial targets, reaffirming its full-year OCG target of EUR 1.2 billion.
Financial highlights
Operating capital generation before holding, funding, and expenses increased 1% year-on-year to EUR 340 million, with OCG after holding funding and expenses at EUR 274 million, up 4%.
Free cash flow for the quarter was EUR 76 million, mainly from ASR's interim dividend.
US RBC ratio rose to 425%, up five percentage points from June, with OCG contributing 13 points.
Gross financial leverage stood at EUR 4.9 billion, in line with targets and slightly reduced compared to 1H 2025.
EUR 700 million in proceeds from ASR share sale supported cash capital at holding.
Outlook and guidance
On track to achieve all 2025 financial targets, including full-year OCG target of around EUR 1.2 billion and free cash flow of around EUR 800 million.
Share buyback program of EUR 400 million expected to complete by year-end, with 54% completed by Q3.
Cash capital at holding targeted to reach EUR 1 billion by end of 2026, aiming for the mid-point of the EUR 0.5-1.5 billion range.
Management maintains focus on commercial momentum and capital discipline.
Why is the U.S. RBC ratio sensitive to equity market upside?
Update on financial assets stranded costs guidance
What specific initiatives drive UK adviser platform growth?
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Frequently asked questions
Aegon N.V. provides insurance, pensions and asset management services in the Americas, the Netherlands, and the United Kingdom. Major products include life insurance, pensions and long-term care insurance, investment products and services, health insurances and short-term insurance. With the Aegon companies employees have a better future through decent pensions, personal accident cover and modern old-age care. Aegon N.V. was founded in 1983 and is headquartered in The Hague, the Netherlands.
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