Skip to content
Company Analysis

Arthur J. Gallagher & Co. AJG

A comprehensive view of key metrics, scores, and financial health for Arthur J. Gallagher & Co.

Overview of Arthur J. Gallagher & Co.

AJG NYQ
Financial Services Insurance Brokers Framework: Insurance & Reinsurance Large Cap
Arthur J. Gallagher & Co. (AJG), is a Large Cap company, in the Insurance Brokers industry, last closed at $278.89, about 66.0% overvalued vs fair value, +13.7% 1Y return, ranked 275/1078 in sector.
Metrics P/E 45.1× Rev Growth 20.7% ROE 6.9% Gross Margin 42.6% Div Yield 1.00%
USD 278.89
1.02%
(Delayed)
• Vol 90d: 34.6%
52-Week Range
Market Cap
$71.51B
Enterprise Value
$83.76B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 94%
Confidence: 94%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.ajg.com
HQ Rolling Meadows, IL
Employees 72,000
Fiscal year Dec 31

Next Events

Dividend Dec 7
Earnings Jan 28 Estimated

Fair Value Snapshot

Bear Base Bull
$53
$95
$178
Current: $278.89 -66% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$13.9B
20.7%%
Claims & Losses
-$8.0B
19.9%%
Acquisition & Admin Expenses
-$7.0B
Underwriting Result
$2.6B
12%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
57.4%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$667.0M
44.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
0
High Impact
0
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Arthur J. Gallagher & Co.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.70, demonstrating consistent risk selection and reserving discipline through market cycles.
  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.85), demonstrating resilience through insurance market cycles.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Underwriting Discipline

Moderate
70
Premium

Signals, strengths and risks for Underwriting Discipline

Premium

Signals, strengths and risks for Float Investment Quality

Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Capital Strength & Solvency

Premium

Signals, strengths and risks for Operational Efficiency

Premium

Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing AJG's balance between Growth (37.9%), Profitability (25.9%), and Safety (36.2%). Growth 38% Safety 36% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

63th percentile vs peers
63
Key Signals
Rev Growth YoY 20.7% 74p Revenue CAGR 3Y 17.7% 72p Equity Growth YoY 15.7% 59p EPS Growth YoY -11.7% 26p Asset Growth YoY 10.0% 65p
Strengths
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
43
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

60th percentile vs peers
61
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Arthur J. Gallagher & Co..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$94.91
- - -
-66.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000