WallStSmart

Arthur J Gallagher & Co (AJG)vsCrawford & Company (CRD-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arthur J Gallagher & Co generates 1098% more annual revenue ($15.11B vs $1.26B). AJG leads profitability with a 10.4% profit margin vs 1.9%. AJG appears more attractively valued with a PEG of 0.72. AJG earns a higher WallStSmart Score of 62/100 (C+).

AJG

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 5.5Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.76

CRD-B

Buy

53

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AJG5 strengths · Avg: 9.0/10
Revenue GrowthGrowth
30.9%10/10

Revenue surging 30.9% year-over-year

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Market CapQuality
$61.60B9/10

Large-cap with strong market position

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

CRD-B2 strengths · Avg: 9.0/10
EPS GrowthGrowth
76.1%10/10

Earnings expanding 76.1% YoY

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Areas to Watch

AJG4 concerns · Avg: 2.8/10
P/E RatioValuation
39.9x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
6.6%3/10

ROE of 6.6% — below average capital efficiency

EPS GrowthGrowth
-10.7%2/10

Earnings declined 10.7%

Free Cash FlowQuality
$-41.00M2/10

Negative free cash flow — burning cash

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Market CapQuality
$562.06M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Debt/EquityHealth
1.453/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : AJG

The strongest argument for AJG centers on Revenue Growth, Debt/Equity, Market Cap. Revenue growth of 30.9% demonstrates continued momentum. PEG of 0.72 suggests the stock is reasonably priced for its growth.

Bull Case : CRD-B

The strongest argument for CRD-B centers on EPS Growth, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bear Case : AJG

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

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

AJG profiles as a growth stock while CRD-B is a value play — different risk/reward profiles.

CRD-B carries more volatility with a beta of 0.63 — expect wider price swings.

AJG is growing revenue faster at 30.9% — sustainability is the question.

CRD-B generates stronger free cash flow (12M), providing more financial flexibility.

Bottom Line

AJG scores higher overall (62/100 vs 53/100) and 30.9% revenue growth. Both earn "Buy" and "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.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

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