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Investor Relations14 Oct 2025
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Aegon (AGN) investor relations material
Aegon H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary21 Aug, 2025
Executive summary
Operating result rose 19% year-over-year to EUR 845 million, driven by profitable growth, improved claims experience, and strong commercial momentum in the US, UK, and international segments.
Net profit reached EUR 606 million in 1H 2025, reversing a net loss of EUR 65 million in 1H 2024, supported by higher operating results and favorable non-operating items.
Cash Capital at Holding increased to over EUR 2.0 billion, reflecting EUR 442 million of free cash flow and completed share buybacks.
Interim dividend increased to EUR 0.19 per share, up EUR 0.03 from 2024; share buyback program expanded to EUR 400 million for 2025.
Strategic review announced on relocating legal domicile and head office to the US, aligning with the primary market and simplifying the corporate structure, with conclusions expected December 2025.
Financial highlights
Operating capital generation before holding and funding expenses was EUR 576 million, down 2% year-over-year due to higher new business strain.
Free cash flow increased to EUR 442 million from EUR 373 million last year (+18%).
Group solvency ratio decreased by 5 percentage points to 183%, mainly due to share buybacks and interim dividend reservation.
Valuation equity per share decreased by 5% to EUR 8.47, primarily from unfavorable exchange rates.
Shareholders' equity per share increased to EUR 4.64 from EUR 4.53 at year-end 2024.
Outlook and guidance
On track to achieve all 2025 financial targets, including operating capital generation of around EUR 1.2 billion and free cash flow of around EUR 800 million.
US operating result guidance raised by $50 million to $700–800 million for H2 2025; group guidance maintained at $750–850 million.
Committed to maintaining Cash Capital at Holding within the EUR 0.5–1.5 billion operating range by end of 2026.
Outcome of head office relocation review to be shared at Capital Markets Day in December 2025; transition, if approved, would take 2–3 years.
Elaborate on the review of relocating Aegon's head office.
Explain the drivers behind the Workplace platform growth.
How did assumption updates impact valuation equity?
What non-financial benefits from US relocation?
Explain OCG vs IFRS profit guidance divergence.
How does ASR stake align with US-centric strategy?
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Q3 2025 TU13 Nov, 2025
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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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