Aon PLC (AON)vsRyan Specialty Group Holdings Inc (RYAN)
AON
Aon PLC
$302.69
-1.65%
FINANCIAL SERVICES · Cap: $64.21B
RYAN
Ryan Specialty Group Holdings Inc
$38.12
-1.42%
FINANCIAL SERVICES · Cap: $10.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Aon PLC generates 456% more annual revenue ($17.58B vs $3.16B). AON leads profitability with a 22.3% profit margin vs 3.1%. AON trades at a lower P/E of 16.7x. AON earns a higher WallStSmart Score of 58/100 (C).
AON
Buy58
out of 100
Grade: C
RYAN
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 23.5%
Every $100 of equity generates 37 in profit
Strong operational efficiency at 25.0%
Areas to Watch
Expensive relative to growth rate
2.2% revenue growth
Elevated debt levels
Earnings declined 3.0%
Trading at 9.1x book value
3.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : AON
The strongest argument for AON centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 22.3% and operating margin at 23.5%.
Bull Case : RYAN
The strongest argument for RYAN centers on Return on Equity, Operating Margin.
Bear Case : AON
The primary concerns for AON are PEG Ratio, Revenue Growth, Debt/Equity. Debt-to-equity of 1.64 is elevated, increasing financial risk.
Bear Case : RYAN
The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 55.2x leaves little room for execution misses. Debt-to-equity of 7.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
AON carries more volatility with a beta of 0.66 — expect wider price swings.
RYAN is growing revenue faster at 7.4% — sustainability is the question.
AON generates stronger free cash flow (483M), providing more financial flexibility.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AON scores higher overall (58/100 vs 47/100), backed by strong 22.3% margins. 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.
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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.
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