WallStSmart

Arthur J Gallagher & Co (AJG)vsWillis Towers Watson PLC (WTW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arthur J Gallagher & Co generates 43% more annual revenue ($14.20B vs $9.90B). WTW leads profitability with a 16.8% profit margin vs 11.4%. AJG appears more attractively valued with a PEG of 0.88. WTW earns a higher WallStSmart Score of 74/100 (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

WTW

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 4.3
Piotroski: 4/9Altman Z: 0.91

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%

WTW4 strengths · Avg: 8.3/10
Return on EquityProfitability
20.6%9/10

Every $100 of equity generates 21 in profit

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.5%8/10

Strong operational efficiency at 20.5%

EPS GrowthGrowth
33.0%8/10

Earnings expanding 33.0% 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

WTW2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-65.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.912/10

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 : WTW

The strongest argument for WTW centers on Return on Equity, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.8% and operating margin at 20.5%. PEG of 1.08 suggests the stock is reasonably priced for its growth.

Bear Case : AJG

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

Bear Case : WTW

The primary concerns for WTW are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

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

AJG carries more volatility with a beta of 0.55 — 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

WTW scores higher overall (74/100 vs 72/100), backed by strong 16.8% margins. 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.

Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a premier global advisory, broking, and solutions firm specializing in risk management, insurance, and consulting services. Operating in over 140 countries, WTW combines advanced data analytics and innovative technology to provide customized solutions in critical areas such as health, retirement, and talent management. Serving a wide array of clients from multinational corporations to smaller businesses, WTW is committed to driving sustainable growth and enhancing client engagement, positioning itself as a trusted advisor in a complex and rapidly changing market environment. Its strategic initiatives aim to address the evolving needs of clients, solidifying its role as a leader in the industry.

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