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AJG 
Arthur J Gallagher & Co (AJG)
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Upturn Advisory Summary
12/01/2025: AJG (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $311.75
1 Year Target Price $311.75
| 6 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.11% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 63.20B USD | Price to earnings Ratio 39.31 | 1Y Target Price 311.75 |
Price to earnings Ratio 39.31 | 1Y Target Price 311.75 | ||
Volume (30-day avg) 17 | Beta 0.69 | 52 Weeks Range 239.47 - 349.78 | Updated Date 12/1/2025 |
52 Weeks Range 239.47 - 349.78 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.03% | Basic EPS (TTM) 6.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.26% | Operating Margin (TTM) 17.21% |
Management Effectiveness
Return on Assets (TTM) 2.3% | Return on Equity (TTM) 9.07% |
Valuation
Trailing PE 39.31 | Forward PE 18.35 | Enterprise Value 75876154100 | Price to Sales(TTM) 5.23 |
Enterprise Value 75876154100 | Price to Sales(TTM) 5.23 | ||
Enterprise Value to Revenue 5.82 | Enterprise Value to EBITDA 21.21 | Shares Outstanding 256805000 | Shares Floating 253895592 |
Shares Outstanding 256805000 | Shares Floating 253895592 | ||
Percent Insiders 0.92 | Percent Institutions 92.17 |
Upturn AI SWOT
Arthur J Gallagher & Co
Company Overview
History and Background
Arthur J. Gallagher & Co. was founded in 1927. It has grown from a small, local insurance agency to a global insurance brokerage and risk management services firm through organic growth and strategic acquisitions.
Core Business Areas
- Brokerage: Provides retail and wholesale insurance brokerage services, risk management consulting, and claims administration services to businesses and organizations globally.
- Risk Management: Offers risk management consulting, claims administration, loss control, and appraisal services to clients worldwide.
- Benefits Consulting and Administration: Provides employee benefits consulting, benefits brokerage, human resources consulting, and actuarial services.
Leadership and Structure
Patrick Gallagher is the Chairman and CEO. The company operates with a decentralized structure, empowering regional and specialized teams.
Top Products and Market Share
Key Offerings
- Commercial Insurance Brokerage: This includes arranging property, casualty, and other insurance policies for businesses. Gallagher is a leading broker in this space with global reach, competing with Marsh McLennan (MMC) and Aon (AON). Market share is fragmented, but Gallagher holds a significant portion. Competitors include Marsh McLennan (MMC), Aon (AON), and WTW (WTW).
- Risk Management Services: Provides consulting and claims management services to help clients minimize their risks and associated costs. Competitors include Marsh McLennan (MMC), Aon (AON) and WTW (WTW).
- Benefits Consulting: Employee benefits and HR consulting. Competitors include Mercer, Willis Towers Watson, and Aon.
Market Dynamics
Industry Overview
The insurance brokerage industry is experiencing growth driven by increasing complexity in risk profiles, globalization, and demand for specialized insurance products and risk management services.
Positioning
Arthur J. Gallagher & Co. is a leading player in the insurance brokerage and risk management services industry. Its competitive advantages include its decentralized structure, strong client relationships, and acquisition strategy.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated at hundreds of billions of dollars. Gallagher is positioned to capture a significant portion of this TAM through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Extensive Global Network
- Decentralized Structure Promoting Entrepreneurship
- Proven Acquisition Track Record
- Diversified Revenue Streams
Weaknesses
- Integration Risks Associated with Acquisitions
- Exposure to Economic Downturns
- Reliance on Insurance Market Cycles
- Complexity of Operations
- Client Retention Pressures in a Competitive Market
Opportunities
- Expanding into Emerging Markets
- Leveraging Technology for Enhanced Service Delivery
- Increasing Demand for Risk Management Services
- Growing Regulatory Complexity Driving Demand for Expertise
- Cross-selling Opportunities Across Business Segments
Threats
- Increased Competition from Larger Brokers
- Cybersecurity Threats and Data Breaches
- Changes in Insurance Regulations
- Economic Recession Impacting Insurance Demand
- Rising Interest Rates
Competitors and Market Share
Key Competitors
- MMC
- AON
- WTW
Competitive Landscape
Arthur J. Gallagher & Co. competes with larger global brokers and smaller regional firms. Its strengths lie in its decentralized structure and acquisition strategy. Its disadvantages can be that it is smaller than the largest players, such as Marsh and Aon.
Major Acquisitions
Buck
- Year: 2023
- Acquisition Price (USD millions): 660
- Strategic Rationale: Expands Gallagher's benefits and HR consulting capabilities.
Eastern Planning, Inc.
- Year: 2024
- Acquisition Price (USD millions): 12.3
- Strategic Rationale: Expands Gallagher's benefits offerings with strategic growth and increased operational excellence.
Growth Trajectory and Initiatives
Historical Growth: The company has exhibited substantial growth historically, through a series of acquisitions and strong organic growth. However, that growth depends on the specific market conditions of the insurance markets.
Future Projections: Future growth projections for AJG would need to be gathered from Analyst estimates and financial data services. Consensus is that it should continue to grow
Recent Initiatives: Gallagher focuses on strategic acquisitions, technology investments, and expanding its global footprint.
Summary
Arthur J. Gallagher & Co. is a strong player in the insurance brokerage and risk management services industry, driven by strategic acquisitions and organic growth. The company benefits from a decentralized structure and diversified revenue streams. Key risks include integration challenges from acquisitions and economic downturns. Future opportunities include expanding into emerging markets and leveraging technology.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Industry Reports (e.g., IBISWorld, Deloitte)
- Market Data Providers (e.g., Bloomberg, Reuters)
- Company Investor Relations Website
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Arthur J Gallagher & Co
Exchange NYSE | Headquaters Rolling Meadows, IL, United States | ||
IPO Launch date 1984-09-07 | Chairman & CEO Mr. J. Patrick Gallagher Jr. | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 66391 | Website https://www.ajg.com |
Full time employees 66391 | Website https://www.ajg.com | ||
Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance and reinsurance brokerage, consulting, and third-party property/casualty claims settlement and administration services to entities and individuals worldwide. It operates in Brokerage and Risk Management segments. The Brokerage segment offers retail and wholesale insurance and reinsurance brokerage services; assists retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; and acts as a brokerage wholesaler, managing general agent, and managing general underwriter for distributing specialized insurance coverages to underwriting enterprises. This segment performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance; and offers services in the areas of insurance and reinsurance placement, risk of loss management, and management of employer sponsored benefit programs. The Risk Management segment provides contract claim settlement and administration services; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent brokers and consultants. It serves commercial, industrial, public, religious, and nonprofit entities, as well as underwriting enterprises. The company was founded in 1927 and is headquartered in Rolling Meadows, Illinois.
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