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Company Analysis

Aon plc AON

A comprehensive view of key metrics, scores, and financial health for Aon plc

Overview of Aon plc

AON NYQ
Financial Services Insurance Brokers Framework: Insurance & Reinsurance Large Cap
Aon plc (AON), is a Large Cap company, in the Insurance Brokers industry, last closed at $333.38, about 86.1% overvalued vs fair value, -1.9% 1Y return, placing in the top 25% of its sector.
Metrics P/E 20.7× Rev Growth 9.5% ROE 47.8% Gross Margin 47.7% Div Yield 0.83%
USD 333.38
3.64%
(Delayed)
• Vol 90d: 33.7%
52-Week Range
Market Cap
$70.73B
Enterprise Value
$84.75B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.aon.com
HQ Dublin
Employees 60,000
Fiscal year Dec 31

Next Events

Dividend Nov 13
Earnings Jan 29 Estimated

Fair Value Snapshot

Bear Base Bull
$26
$46
$87
Current: $333.38 -86% vs base

Engine Room Money Flow™

Large Cap

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

Flow Steps
Total Revenue
$17.2B
9.4%%
Claims & Losses
-$9.0B
8.5%%
Acquisition & Admin Expenses
$2.0B
Underwriting Result
$4.7B
11.5%%
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
52.3%
Excellent

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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.6B
44.1% 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
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Aon plc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Top-Quartile Underwriting Margins Gross margin at 47.7% (top 21%) and operating margin at 25.3% (top 5%) reflect strong underwriting discipline.
  • Superior Returns on Float Float investment returns are strong (signal score 0.95), with ROA at 7.41% vs peers — investment income amplifies underwriting profit.

Key risks

  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.05), indicating elevated catastrophe or reserve cycle exposure.

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

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Underwriting Discipline

Moderate
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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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 AON's balance between Growth (34.7%), Profitability (48.3%), and Safety (17.0%). Growth 35% Safety 17% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 9.4% 57p Equity Growth YoY 52.8% 95p Revenue CAGR 3Y 11.2% 54p EPS Growth YoY 36.3% 62p Asset Growth YoY 3.7% 32p
Strengths
  • Equity Growth YoY in top 20% of peers (52.8%, 95th percentile)
  • ROE in top 20% of peers (47.8%, 98th percentile)
  • Net Profit Margin in top 20% of peers (21.5%, 85th percentile)
  • ROA in top 20% of peers (7.4%, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

88th percentile vs peers
89
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
31
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Aon plc.

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
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Bear
-
- - -
- upside
-
Base
$46.45
- - -
-86.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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