WallStSmart

Arthur J Gallagher & Co (AJG)vsAon PLC (AON)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Aon PLC generates 23% more annual revenue ($17.49B vs $14.20B). AON leads profitability with a 22.5% profit margin vs 11.4%. AJG appears more attractively valued with a PEG of 0.88. AJG earns a higher WallStSmart Score of 72/100 (B).

AJG

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 6.0Value: 5.7Quality: 4.3
Piotroski: 4/9Altman Z: 0.76

AON

Strong Buy

70

out of 100

Grade: B

Growth: 7.3Profit: 8.5Value: 5.7Quality: 4.3
Piotroski: 5/9Altman Z: 0.82

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AJG5 strengths · Avg: 8.6/10
Revenue GrowthGrowth
34.6%10/10

Revenue surging 34.6% year-over-year

Market CapQuality
$51.10B9/10

Large-cap with strong market position

PEG RatioValuation
0.888/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Operating MarginProfitability
28.2%8/10

Strong operational efficiency at 28.2%

AON6 strengths · Avg: 9.0/10
Return on EquityProfitability
46.5%10/10

Every $100 of equity generates 47 in profit

Operating MarginProfitability
35.8%10/10

Strong operational efficiency at 35.8%

Market CapQuality
$66.80B9/10

Large-cap with strong market position

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
27.1%8/10

Earnings expanding 27.1% YoY

Areas to Watch

AJG3 concerns · Avg: 3.0/10
P/E RatioValuation
32.2x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

AON2 concerns · Avg: 3.0/10
PEG RatioValuation
2.504/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AJG

The strongest argument for AJG centers on Revenue Growth, Market Cap, PEG Ratio. Revenue growth of 34.6% demonstrates continued momentum. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bull Case : AON

The strongest argument for AON centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 22.5% and operating margin at 35.8%.

Bear Case : AJG

The primary concerns for AJG are P/E Ratio, Return on Equity, Altman Z-Score.

Bear Case : AON

The primary concerns for AON are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

AJG profiles as a growth stock while AON is a mature play — different risk/reward profiles.

AON carries more volatility with a beta of 0.71 — expect wider price swings.

AJG is growing revenue faster at 34.6% — sustainability is the question.

AJG generates stronger free cash flow (713M), providing more financial flexibility.

Bottom Line

AJG scores higher overall (72/100 vs 70/100) and 34.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Arthur J Gallagher & Co

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Arthur J. Gallagher & Co. (AJG) is an American global insurance brokerage and risk management services firm headquartered in Rolling Meadows, Illinois.

Aon PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Aon plc is a multinational professional services firm that sells a range of financial risk-mitigation products, including insurance, pension administration, and health-insurance plans.

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