Arthur J Gallagher & Co (AJG)vsCorVel Corp (CRVL)
AJG
Arthur J Gallagher & Co
$213.56
-1.26%
FINANCIAL SERVICES · Cap: $54.91B
CRVL
CorVel Corp
$52.25
-2.04%
FINANCIAL SERVICES · Cap: $2.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Arthur J Gallagher & Co generates 1282% more annual revenue ($13.01B vs $941.49M). AJG leads profitability with a 11.5% profit margin vs 11.2%. CRVL trades at a lower P/E of 25.6x. AJG earns a higher WallStSmart Score of 60/100 (C).
AJG
Buy60
out of 100
Grade: C
CRVL
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-426.0%
Fair Value
$39.03
Current Price
$213.56
$174.53 premium
Margin of Safety
-121.1%
Fair Value
$21.05
Current Price
$52.25
$31.20 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 36.7% year-over-year
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Every $100 of equity generates 31 in profit
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Areas to Watch
Premium valuation, high expectations priced in
ROE of 6.9% — below average capital efficiency
Earnings declined 48.3%
Distress zone — elevated risk
Moderate valuation
3.4% revenue growth
2.2% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull 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 : CRVL
The strongest argument for CRVL centers on Return on Equity, Altman Z-Score, Debt/Equity.
Bear Case : AJG
The primary concerns for AJG are P/E Ratio, Return on Equity, EPS Growth.
Bear Case : CRVL
The primary concerns for CRVL are P/E Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AJG profiles as a growth stock while CRVL is a value play — different risk/reward profiles.
CRVL carries more volatility with a beta of 1.11 — expect wider price swings.
AJG is growing revenue faster at 36.7% — sustainability is the question.
AJG generates stronger free cash flow (713M), providing more financial flexibility.
Bottom Line
AJG scores higher overall (60/100 vs 45/100) and 36.7% revenue growth. Both earn "Buy" and "Hold" 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.
CorVel Corp
FINANCIAL SERVICES · INSURANCE BROKERS · USA
CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.
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