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Upturn AI SWOT - About
AJG 
Arthur J Gallagher & Co (AJG)
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Upturn Advisory Summary
06/30/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $337.8
Year Target Price $337.8
| 6 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 0 | Under performing |
| 1 | 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 06/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 81.97B USD | Price to earnings Ratio 49.4 | 1Y Target Price 337.8 |
Price to earnings Ratio 49.4 | 1Y Target Price 337.8 | ||
Volume (30-day avg) 17 | Beta 0.75 | 52 Weeks Range 258.78 - 350.53 | Updated Date 06/30/2025 |
52 Weeks Range 258.78 - 350.53 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.82% | Basic EPS (TTM) 6.48 |
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 13.86% | Operating Margin (TTM) 27.83% |
Management Effectiveness
Return on Assets (TTM) 2.68% | Return on Equity (TTM) 9.3% |
Valuation
Trailing PE 49.4 | Forward PE 28.33 | Enterprise Value 78077819690 | Price to Sales(TTM) 7.29 |
Enterprise Value 78077819690 | Price to Sales(TTM) 7.29 | ||
Enterprise Value to Revenue 6.49 | Enterprise Value to EBITDA 23.59 | Shares Outstanding 256052992 | Shares Floating 253213753 |
Shares Outstanding 256052992 | Shares Floating 253213753 | ||
Percent Insiders 0.91 | Percent Institutions 91.89 |
Analyst Ratings
Rating 4 | Target Price 337.8 | Buy 3 | Strong Buy 6 |
Buy 3 | Strong Buy 6 | ||
Hold 7 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Arthur J Gallagher & Co
Company Overview
History and Background
Arthur J. Gallagher & Co. was founded in 1927 by Arthur James Gallagher. Initially focused on surety bonds, it expanded into risk management and insurance brokerage, growing through organic expansion and strategic acquisitions to become one of the largest insurance brokers globally.
Core Business Areas
- Benefits and HR Consulting: Provides employee benefits consulting, retirement plan services, and HR consulting to organizations. This includes health and welfare consulting, retirement plan design and administration, and HR technology solutions.
- Brokerage: Provides retail and wholesale brokerage services, offering insurance and risk management solutions to businesses and organizations of all sizes. It generates revenue through commissions and fees.
- Corporate: Represents unallocated corporate overhead and other non-operating activities.
- Risk Management: Offers risk management consulting services, including claims management, loss control, and actuarial services. These services help clients identify, assess, and mitigate risks.
Leadership and Structure
J. Patrick Gallagher Jr. serves as the Chairman and CEO. The company operates with a decentralized structure, empowering regional and local leadership teams while maintaining central oversight.
Top Products and Market Share
Key Offerings
- Commercial Property & Casualty Insurance Brokerage: Facilitates the placement of commercial property & casualty insurance for businesses. Gallagher operates in a competitive market, with major competitors including Marsh McLennan, Aon, and Willis Towers Watson.
- Employee Benefits Consulting: Advises companies on employee benefits programs, including health insurance, retirement plans, and other benefits. Major competitors are Mercer, Aon, and WTW.
- Risk Management Consulting: Provides risk management consulting services to businesses of all sizes. Key players in this market include Marsh McLennan, Aon and WTW.
Market Dynamics
Industry Overview
The insurance brokerage and risk management industry is characterized by consolidation, technological advancements, and evolving regulatory landscapes. Demand is driven by economic growth, regulatory requirements, and increasing awareness of risk.
Positioning
Arthur J. Gallagher & Co. is a leading global insurance brokerage and risk management services firm, positioned for continued growth through its diversified service offerings, strong client relationships, and active acquisition strategy.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated to be worth hundreds of billions of dollars. Arthur J. Gallagher & Co. is positioned to capture a significant share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong acquisition track record
- Global presence
- Experienced management team
- Strong client relationships
Weaknesses
- Integration risks from acquisitions
- Exposure to economic cycles
- Dependence on key personnel
- Fluctuations in premium rates
Opportunities
- Further consolidation in the industry
- Expansion into new geographies
- Technological advancements
- Increasing demand for risk management services
- Growing middle market segment
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Changes in insurance pricing
Competitors and Market Share
Key Competitors
- MMC
- AON
- WTW
Competitive Landscape
Arthur J. Gallagher & Co. competes effectively with larger players through its decentralized structure, strong client relationships, and focus on specific market segments. The industry overall tends to be quite fragmented.
Major Acquisitions
Buck
- Year: 2023
- Acquisition Price (USD millions): 660
- Strategic Rationale: Expanded Gallagher's benefits and HR consulting capabilities. To strengthen its employee benefits and human resources consulting segment, providing Gallagher with an expanded client base and service offerings
Banyan Water
- Year: 2023
- Acquisition Price (USD millions): 20
- Strategic Rationale: Add Banyan's Water's proprietary data, analytics and technology resources to the existing Gallagher business, enhancing its risk management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Arthur J. Gallagher & Co. has demonstrated consistent growth over the years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth for Arthur J. Gallagher & Co., driven by industry trends and strategic initiatives.
Recent Initiatives: Recent initiatives include acquisitions of smaller brokers and investments in technology to enhance service offerings.
Summary
Arthur J. Gallagher & Co. is a strong player in the insurance brokerage and risk management industry, benefiting from its diversified services and acquisition strategy. Its decentralized structure fosters client relationships, but integration risks and economic cycles pose challenges. The company's growth trajectory is positive, driven by industry trends and strategic initiatives. Continued focus on technology and expanding into new markets will be key to future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Articles
- Analyst Reports
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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 53714 | Website https://www.ajg.com |
Full time employees 53714 | 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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