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AJG 
Arthur J Gallagher & Co (AJG)
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Upturn Advisory Summary
11/10/2025: AJG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $319.8
1 Year Target Price $319.8
| 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 11/10/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 64.20B USD | Price to earnings Ratio 40 | 1Y Target Price 319.8 |
Price to earnings Ratio 40 | 1Y Target Price 319.8 | ||
Volume (30-day avg) 17 | Beta 0.69 | 52 Weeks Range 239.47 - 349.78 | Updated Date 11/9/2025 |
52 Weeks Range 239.47 - 349.78 | Updated Date 11/9/2025 | ||
Dividends yield (FY) 1.04% | Basic EPS (TTM) 6.25 |
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 2025-10-30 | When After Market | Estimate 2.5 | Actual 2.32 |
Profitability
Profit Margin 13.26% | Operating Margin (TTM) 16.1% |
Management Effectiveness
Return on Assets (TTM) 2.22% | Return on Equity (TTM) 9.07% |
Valuation
Trailing PE 40 | Forward PE 22.62 | Enterprise Value 78129167210 | Price to Sales(TTM) 5.32 |
Enterprise Value 78129167210 | Price to Sales(TTM) 5.32 | ||
Enterprise Value to Revenue 6.26 | Enterprise Value to EBITDA 22.33 | Shares Outstanding 256805000 | Shares Floating 253887695 |
Shares Outstanding 256805000 | Shares Floating 253887695 | ||
Percent Insiders 0.92 | Percent Institutions 92.31 |
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 has grown through acquisitions and organic growth into a global insurance brokerage and risk management services firm.
Core Business Areas
- Brokerage: Provides retail and wholesale brokerage services, offering insurance and risk management solutions to businesses and organizations.
- Risk Management: Delivers risk management consulting, claims administration, and loss control services.
- Corporate: Includes investment income and other corporate-related activities.
Leadership and Structure
Patrick Gallagher is the Chairman and CEO. The company is structured with various executive leadership positions overseeing different business segments and functions, including brokerage, risk management, and international operations.
Top Products and Market Share
Key Offerings
- Commercial Property & Casualty Brokerage: Insurance solutions for businesses, including property, liability, workers' compensation, and other coverages. Market share data is not consistently publicly available for specific product lines within the broader insurance brokerage market. Competitors include Marsh McLennan, Aon, and Willis Towers Watson. Revenue derived from this area is significant, but precise figures are bundled within overall brokerage revenue.
- Risk Management Services: Consulting and administrative services to help clients manage and mitigate risks. Market share data is fragmented. Competitors include large consulting firms and specialized risk management companies. Revenue is a substantial portion of the risk management segment's overall revenue.
Market Dynamics
Industry Overview
The insurance brokerage and risk management industry is characterized by consolidation, technological advancements, and increasing regulatory scrutiny. Demand is driven by the need for businesses to manage a wide range of risks, including cyber, geopolitical, and natural disasters.
Positioning
Arthur J. Gallagher is a leading global player, known for its decentralized operating model, strong acquisition strategy, and focus on client relationships. Its competitive advantages include its extensive network, specialized expertise, and entrepreneurial culture.
Total Addressable Market (TAM)
The global insurance brokerage market is estimated to be in the hundreds of billions of dollars. Arthur J. Gallagher is positioned to capture a significant portion of this TAM through its organic growth, acquisition strategy, and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong acquisition track record
- Diversified revenue streams
- Extensive global network
- Decentralized operating model
- Experienced management team
Weaknesses
- Integration risks from acquisitions
- Exposure to economic cycles
- Dependence on key personnel
- Potential for regulatory changes
- High debt levels
Opportunities
- Further acquisitions and expansion into new markets
- Increased demand for risk management services
- Technological innovation in insurance solutions
- Growth in emerging markets
- Opportunities with small and medium size businesses.
Threats
- Increased competition from larger brokers
- Economic downturns and market volatility
- Cybersecurity risks
- Changes in insurance regulations
- Fluctuations in interest rates.
Competitors and Market Share
Key Competitors
- MMC
- AON
- WTW
Competitive Landscape
Arthur J. Gallagher competes with larger global brokers and smaller regional players. Its advantages include its decentralized model and acquisition strategy, while its disadvantages may include smaller size compared to MMC and AON.
Major Acquisitions
BCHR Holdings, Inc.
- Year: 2022
- Acquisition Price (USD millions): 775
- Strategic Rationale: BCHR bolsters Gallagher's benefits & HR consulting operations, broadening its reach.
Buck
- Year: 2023
- Acquisition Price (USD millions): 660
- Strategic Rationale: Buck enhances Gallagheru2019s global footprint in HR & benefits, especially in retirement services.
Growth Trajectory and Initiatives
Historical Growth: Arthur J. Gallagher has experienced significant growth through acquisitions and organic expansion.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by industry trends and strategic initiatives.
Recent Initiatives: Recent strategic initiatives include acquisitions, technology investments, and expansion into new markets.
Summary
Arthur J. Gallagher shows strength from strategic acquisitions and diverse offerings. While debt is high, the company's decentralized model fosters growth and adaptability. Potential economic downturns and cybersecurity risks pose significant threats, yet consistent dividends show a positive outlook.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share and financial data are based on available information and may be subject to change. Investment decisions should be made with professional guidance and careful consideration of personal circumstances.
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 71059 | Website https://www.ajg.com |
Full time employees 71059 | 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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