WallStSmart

Arthur J Gallagher & Co (AJG)vsAccelerant Holdings (ARX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arthur J Gallagher & Co generates 1419% more annual revenue ($13.01B vs $856.30M). AJG leads profitability with a 11.5% profit margin vs -1.7%. AJG earns a higher WallStSmart Score of 60/100 (C).

AJG

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 5.0Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 0.76

ARX

Avoid

34

out of 100

Grade: F

Growth: 7.3Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 2/9Altman Z: 1.05
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AJGSignificantly Overvalued (-426.0%)

Margin of Safety

-426.0%

Fair Value

$39.03

Current Price

$213.56

$174.53 premium

UndervaluedFair: $39.03Overvalued

Intrinsic value data unavailable for ARX.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AJG4 strengths · Avg: 8.8/10
Revenue GrowthGrowth
36.7%10/10

Revenue surging 36.7% year-over-year

Market CapQuality
$54.91B9/10

Large-cap with strong market position

PEG RatioValuation
0.938/10

Growing faster than its price suggests

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

ARX2 strengths · Avg: 9.5/10
Revenue GrowthGrowth
49.2%10/10

Revenue surging 49.2% year-over-year

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Areas to Watch

AJG4 concerns · Avg: 2.8/10
P/E RatioValuation
37.2x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

EPS GrowthGrowth
-48.3%2/10

Earnings declined 48.3%

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

ARX4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-2.5%2/10

ROE of -2.5% — below average capital efficiency

EPS GrowthGrowth
-11.1%2/10

Earnings declined 11.1%

Altman Z-ScoreHealth
1.052/10

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 36.7% demonstrates continued momentum. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bull Case : ARX

The strongest argument for ARX centers on Revenue Growth, Debt/Equity. Revenue growth of 49.2% demonstrates continued momentum.

Bear Case : AJG

The primary concerns for AJG are P/E Ratio, Return on Equity, EPS Growth.

Bear Case : ARX

The primary concerns for ARX are Piotroski F-Score, Return on Equity, EPS Growth.

Key Dynamics to Monitor

AJG profiles as a growth stock while ARX is a hypergrowth play — different risk/reward profiles.

ARX is growing revenue faster at 49.2% — sustainability is the question.

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

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AJG scores higher overall (60/100 vs 34/100) and 36.7% revenue growth. Both earn "Buy" and "Avoid" 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.

Accelerant Holdings

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Accelerant Holdings (ARX) is a pioneering specialty insurance and reinsurance provider that tailors its offerings to meet the unique needs of underserved markets. Leveraging advanced data analytics and innovative technology, the company empowers its insurance partners to enhance underwriting performance and foster growth through a distinctive membership model. This collaborative strategy not only optimizes risk management but also underscores Accelerant's commitment to agility and innovation in a rapidly changing insurance landscape. By focusing on strategic partnerships, Accelerant positions itself for sustainable growth and operational excellence, capitalizing on emerging opportunities in the evolving market.

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