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Upturn AI SWOT - About
AJG 
Arthur J Gallagher & Co (AJG)
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Upturn Advisory Summary
08/28/2025: 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 $336.5
1 Year Target Price $336.5
| 6 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.18% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 76.81B USD | Price to earnings Ratio 45.4 | 1Y Target Price 336.5 |
Price to earnings Ratio 45.4 | 1Y Target Price 336.5 | ||
Volume (30-day avg) 17 | Beta 0.69 | 52 Weeks Range 272.64 - 350.53 | Updated Date 08/28/2025 |
52 Weeks Range 272.64 - 350.53 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 0.84% | Basic EPS (TTM) 6.6 |
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 14.21% | Operating Margin (TTM) 17.9% |
Management Effectiveness
Return on Assets (TTM) 2.11% | Return on Equity (TTM) 9.51% |
Valuation
Trailing PE 45.4 | Forward PE 27.03 | Enterprise Value 75578355360 | Price to Sales(TTM) 6.65 |
Enterprise Value 75578355360 | Price to Sales(TTM) 6.65 | ||
Enterprise Value to Revenue 6.06 | Enterprise Value to EBITDA 21.6 | Shares Outstanding 256363008 | Shares Floating 253464220 |
Shares Outstanding 256363008 | Shares Floating 253464220 | ||
Percent Insiders 0.92 | Percent Institutions 91.16 |
Upturn AI SWOT
Arthur J Gallagher & Co
Company Overview
History and Background
Arthur J. Gallagher & Co. was founded in 1927. Initially a local insurance agency, it has grown through organic growth and strategic acquisitions to become one of the largest global insurance brokerage and risk management firms.
Core Business Areas
- Brokerage: Provides insurance brokerage and consulting services to businesses and organizations of all sizes. This includes retail brokerage, wholesale brokerage, and risk management consulting.
- Risk Management: Offers risk management services, including claims management, loss control, and actuarial services.
- Benefits Consulting and Administration: Delivers employee benefits consulting, administration, and HR outsourcing solutions.
- Corporate: Includes net corporate interest expense and income, gains and losses on sales of assets, and other corporate items.
Leadership and Structure
J. Patrick Gallagher Jr. serves as Chairman and CEO. The company has a decentralized organizational structure with regional and specialized teams operating under the Gallagher umbrella.
Top Products and Market Share
Key Offerings
- Commercial Property & Casualty Insurance: Arranges property and casualty insurance coverage for businesses. Market share data is difficult to pinpoint precisely for Gallagher's specific segment, but the overall commercial insurance brokerage market is highly competitive. Competitors include Marsh McLennan, Aon, and WTW.
- Employee Benefits Consulting: Provides consulting and brokerage services related to employee benefits programs, including health, dental, and life insurance. Market share is also spread across multiple providers, with competitors like Mercer and Willis Towers Watson. Revenue for 2023 was $2.5 Billion.
- Risk Management Services: Helps companies identify, assess, and mitigate risks. Competitors include large consulting firms and specialized risk management providers. It makes around $1 billion in revenues.
Market Dynamics
Industry Overview
The insurance brokerage and risk management industry is experiencing growth driven by increasing complexity of risks, globalization, and technological advancements. Consolidation is also a key trend.
Positioning
Arthur J. Gallagher & Co. is a leading global player known for its decentralized, entrepreneurial culture and focus on middle-market clients. It has a strong reputation for acquisitions and integration.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated to be in the hundreds of billions of dollars. Arthur J. Gallagher & Co. is well-positioned to capture a significant share of this market through its diversified offerings and global reach.
Upturn SWOT Analysis
Strengths
- Strong acquisition track record
- Diversified revenue streams
- Decentralized organizational structure
- Strong client relationships
- Global presence
Weaknesses
- Integration risks associated with acquisitions
- Dependence on key personnel
- Exposure to economic cycles
- Organic growth slower than peers.
Opportunities
- Further expansion into emerging markets
- Increased demand for cyber insurance
- Technological advancements in risk management
- Consolidation in the insurance industry
- Growing complexity of risk
Threats
- Intense competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Rising interest rates impacting acquisition financing
Competitors and Market Share
Key Competitors
- MMC
- AON
- WTW
Competitive Landscape
Arthur J. Gallagher & Co. competes with larger global brokers like Marsh & McLennan and Aon. Its strengths include its decentralized structure and focus on the middle market. However, it may have less scale than some of its larger competitors.
Major Acquisitions
BCHR Holdings, Inc
- Year: 2023
- Acquisition Price (USD millions): 775
- Strategic Rationale: Expanded Gallagher's presence in the employee benefits consulting and brokerage space.
Buck
- Year: 2023
- Acquisition Price (USD millions): 660
- Strategic Rationale: Significantly enhanced Gallagher's global benefits and HR consulting capabilities, especially in retirement and technology solutions.
Growth Trajectory and Initiatives
Historical Growth: Arthur J. Gallagher & Co. has grown significantly over the past decade, both organically and through acquisitions.
Future Projections: Analysts expect Arthur J. Gallagher & Co. to continue to grow revenue and earnings at a solid pace in the coming years, driven by continued acquisitions and organic growth initiatives.
Recent Initiatives: Recent initiatives include expanding into new geographies, investing in technology, and focusing on specialized industry niches.
Summary
Arthur J. Gallagher & Co. is a strong player in the insurance brokerage and risk management industry, driven by strategic acquisitions and organic growth. Its decentralized structure and focus on the middle market provide a competitive advantage. The company should be mindful of integration risks from acquisitions and the potential impact of economic cycles.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and estimates are subject to change. Consult with a qualified financial advisor 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 55493 | Website https://www.ajg.com |
Full time employees 55493 | 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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