(AJG) Arthur J Gallagher - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3635761097
Stock: Insurance Brokerage, Risk Management, Claims Services, Consulting
Total Rating 34
Risk 62
Buy Signal -0.69
| Risk 5d forecast | |
|---|---|
| Volatility | 22.1% |
| Relative Tail Risk | 2.22% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.54 |
| Alpha | -42.80 |
| Character TTM | |
|---|---|
| Beta | 0.197 |
| Beta Downside | 0.239 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.88% |
| CAGR/Max DD | 0.13 |
EPS (Earnings per Share)
Revenue
Description: AJG Arthur J Gallagher March 04, 2026
Arthur J. Gallagher & Co. (AJG) provides insurance and reinsurance brokerage, consulting, and claims administration services globally. The company operates in two segments: Brokerage and Risk Management. The insurance brokerage sector is characterized by high fragmentation and reliance on strong client relationships.
The Brokerage segment offers retail and wholesale insurance and reinsurance brokerage services, assisting with specialized and hard-to-place insurance. This segment also acts as a managing general agent and underwriter for distributing specialized insurance coverages. Brokerage firms typically earn commissions on premiums placed.
The Risk Management segment provides contract claim settlement, administration, and loss control consulting services. This segment focuses on managing risk exposure for clients, a critical component of business operations across all industries.
AJG serves a diverse client base including commercial, industrial, public, religious, and nonprofit entities. To further understand AJGs financial performance and market position, consider exploring its detailed financials on ValueRay.
Headlines to watch out for
- Acquisition strategy drives brokerage segment growth
- Global economic conditions impact insurance demand
- Regulatory changes affect compliance costs
- Catastrophic events increase claims and reinsurance costs
- Interest rate fluctuations influence investment income
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.49b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.27 > 1.0 |
| NWC/Revenue: 13.18% < 20% (prev 128.5%; Δ -115.4% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.93b > Net Income 1.49b |
| Net Debt (12.60b) to EBITDA (3.66b): 3.44 < 3 |
| Current Ratio: 1.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (260.3m) vs 12m ago 12.67% < -2% |
| Gross Margin: 54.75% > 18% (prev 0.42%; Δ 5.43k% > 0.5%) |
| Asset Turnover: 20.67% > 50% (prev 17.98%; Δ 2.68% > 0%) |
| Interest Coverage Ratio: 3.97 > 6 (EBITDA TTM 3.66b / Interest Expense TTM 638.8m) |
Altman Z'' 0.81
| A: 0.03 (Total Current Assets 34.36b - Total Current Liabilities 32.52b) / Total Assets 70.67b |
| B: 0.08 (Retained Earnings 5.81b / Total Assets 70.67b) |
| C: 0.04 (EBIT TTM 2.54b / Avg Total Assets 67.46b) |
| D: 0.12 (Book Value of Equity 5.54b / Total Liabilities 47.32b) |
| Altman-Z'' Score: 0.81 = B |
Beneish M -2.62
| DSRI: 1.10 (Receivables 5.17b/3.90b, Revenue 13.94b/11.55b) |
| GMI: 0.77 (GM 54.75% / 42.22%) |
| AQI: 1.66 (AQ_t 0.49 / AQ_t-1 0.30) |
| SGI: 1.21 (Revenue 13.94b / 11.55b) |
| TATA: -0.01 (NI 1.49b - CFO 1.93b) / TA 70.67b) |
| Beneish M-Score: -2.62 (Cap -4..+1) = A |
What is the price of AJG shares?
As of March 20, 2026, the stock is trading at USD 209.68 with a total of 2,049,786 shares traded.
Over the past week, the price has changed by +2.68%, over one month by -3.69%, over three months by -17.00% and over the past year by -35.17%.
Over the past week, the price has changed by +2.68%, over one month by -3.69%, over three months by -17.00% and over the past year by -35.17%.
Is AJG a buy, sell or hold?
Arthur J Gallagher has received a consensus analysts rating of 3.82.
Therefore, it is recommended to buy AJG.
- StrongBuy: 6
- Buy: 3
- Hold: 7
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the AJG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 277 | 32.1% |
| Analysts Target Price | 277 | 32.1% |
AJG Fundamental Data Overview March 19, 2026
P/E Trailing = 36.5585
P/E Forward = 15.625
P/S = 4.14
P/B = 2.3059
P/EG = 0.8984
Revenue TTM = 13.94b USD
EBIT TTM = 2.54b USD
EBITDA TTM = 3.66b USD
Long Term Debt = 12.10b USD (from longTermDebt, last quarter)
Short Term Debt = 866.0m USD (from shortTermDebt, last quarter)
Debt = 14.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.60b USD (from netDebt column, last quarter)
Enterprise Value = 66.46b USD (53.86b + Debt 14.00b - CCE 1.40b)
Interest Coverage Ratio = 3.97 (Ebit TTM 2.54b / Interest Expense TTM 638.8m)
EV/FCF = 37.23x (Enterprise Value 66.46b / FCF TTM 1.78b)
FCF Yield = 2.69% (FCF TTM 1.78b / Enterprise Value 66.46b)
FCF Margin = 12.80% (FCF TTM 1.78b / Revenue TTM 13.94b)
Net Margin = 10.72% (Net Income TTM 1.49b / Revenue TTM 13.94b)
Gross Margin = 54.75% ((Revenue TTM 13.94b - Cost of Revenue TTM 6.31b) / Revenue TTM)
Gross Margin QoQ = 39.11% (prev 90.60%)
Tobins Q-Ratio = 0.94 (Enterprise Value 66.46b / Total Assets 70.67b)
Interest Expense / Debt = 1.15% (Interest Expense 161.0m / Debt 14.00b)
Taxrate = 14.44% (26.0m / 180.0m)
NOPAT = 2.17b (EBIT 2.54b * (1 - 14.44%))
Current Ratio = 1.06 (Total Current Assets 34.36b / Total Current Liabilities 32.52b)
Debt / Equity = 0.60 (Debt 14.00b / totalStockholderEquity, last quarter 23.32b)
Debt / EBITDA = 3.44 (Net Debt 12.60b / EBITDA 3.66b)
Debt / FCF = 7.06 (Net Debt 12.60b / FCF TTM 1.78b)
Total Stockholder Equity = 22.97b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.21% (Net Income 1.49b / Total Assets 70.67b)
RoE = 6.50% (Net Income TTM 1.49b / Total Stockholder Equity 22.97b)
RoCE = 7.24% (EBIT 2.54b / Capital Employed (Equity 22.97b + L.T.Debt 12.10b))
RoIC = 6.04% (NOPAT 2.17b / Invested Capital 35.98b)
WACC = 5.47% (E(53.86b)/V(67.86b) * Re(6.64%) + D(14.00b)/V(67.86b) * Rd(1.15%) * (1-Tc(0.14)))
Discount Rate = 6.64% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 9.70%
[DCF] Terminal Value 86.83% ; FCFF base≈2.05b ; Y1≈2.15b ; Y5≈2.52b
[DCF] Fair Price = 242.2 (EV 74.86b - Net Debt 12.60b = Equity 62.26b / Shares 257.1m; r=5.90% [WACC]; 5y FCF grow 5.67% → 2.90% )
EPS Correlation: 37.17 | EPS CAGR: -4.33% | SUE: 0.27 | # QB: 0
Revenue Correlation: 86.20 | Revenue CAGR: 11.23% | SUE: 3.24 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.90 | Chg7d=+0.006 | Chg30d=-0.011 | Revisions Net=-1 | Analysts=19
EPS current Year (2026-12-31): EPS=13.26 | Chg7d=+0.021 | Chg30d=+0.008 | Revisions Net=-1 | Growth EPS=+24.0% | Growth Revenue=+21.1%
EPS next Year (2027-12-31): EPS=14.85 | Chg7d=-0.002 | Chg30d=-0.046 | Revisions Net=-2 | Growth EPS=+12.0% | Growth Revenue=+9.1%
[Analyst] Revisions Ratio: -0.33 (1 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.2% (Discount Rate 7.9% - Earnings Yield 2.7%)
[Growth] Growth Spread = +21.5% (Analyst 26.8% - Implied 5.2%)
P/E Forward = 15.625
P/S = 4.14
P/B = 2.3059
P/EG = 0.8984
Revenue TTM = 13.94b USD
EBIT TTM = 2.54b USD
EBITDA TTM = 3.66b USD
Long Term Debt = 12.10b USD (from longTermDebt, last quarter)
Short Term Debt = 866.0m USD (from shortTermDebt, last quarter)
Debt = 14.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.60b USD (from netDebt column, last quarter)
Enterprise Value = 66.46b USD (53.86b + Debt 14.00b - CCE 1.40b)
Interest Coverage Ratio = 3.97 (Ebit TTM 2.54b / Interest Expense TTM 638.8m)
EV/FCF = 37.23x (Enterprise Value 66.46b / FCF TTM 1.78b)
FCF Yield = 2.69% (FCF TTM 1.78b / Enterprise Value 66.46b)
FCF Margin = 12.80% (FCF TTM 1.78b / Revenue TTM 13.94b)
Net Margin = 10.72% (Net Income TTM 1.49b / Revenue TTM 13.94b)
Gross Margin = 54.75% ((Revenue TTM 13.94b - Cost of Revenue TTM 6.31b) / Revenue TTM)
Gross Margin QoQ = 39.11% (prev 90.60%)
Tobins Q-Ratio = 0.94 (Enterprise Value 66.46b / Total Assets 70.67b)
Interest Expense / Debt = 1.15% (Interest Expense 161.0m / Debt 14.00b)
Taxrate = 14.44% (26.0m / 180.0m)
NOPAT = 2.17b (EBIT 2.54b * (1 - 14.44%))
Current Ratio = 1.06 (Total Current Assets 34.36b / Total Current Liabilities 32.52b)
Debt / Equity = 0.60 (Debt 14.00b / totalStockholderEquity, last quarter 23.32b)
Debt / EBITDA = 3.44 (Net Debt 12.60b / EBITDA 3.66b)
Debt / FCF = 7.06 (Net Debt 12.60b / FCF TTM 1.78b)
Total Stockholder Equity = 22.97b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.21% (Net Income 1.49b / Total Assets 70.67b)
RoE = 6.50% (Net Income TTM 1.49b / Total Stockholder Equity 22.97b)
RoCE = 7.24% (EBIT 2.54b / Capital Employed (Equity 22.97b + L.T.Debt 12.10b))
RoIC = 6.04% (NOPAT 2.17b / Invested Capital 35.98b)
WACC = 5.47% (E(53.86b)/V(67.86b) * Re(6.64%) + D(14.00b)/V(67.86b) * Rd(1.15%) * (1-Tc(0.14)))
Discount Rate = 6.64% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 9.70%
[DCF] Terminal Value 86.83% ; FCFF base≈2.05b ; Y1≈2.15b ; Y5≈2.52b
[DCF] Fair Price = 242.2 (EV 74.86b - Net Debt 12.60b = Equity 62.26b / Shares 257.1m; r=5.90% [WACC]; 5y FCF grow 5.67% → 2.90% )
EPS Correlation: 37.17 | EPS CAGR: -4.33% | SUE: 0.27 | # QB: 0
Revenue Correlation: 86.20 | Revenue CAGR: 11.23% | SUE: 3.24 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.90 | Chg7d=+0.006 | Chg30d=-0.011 | Revisions Net=-1 | Analysts=19
EPS current Year (2026-12-31): EPS=13.26 | Chg7d=+0.021 | Chg30d=+0.008 | Revisions Net=-1 | Growth EPS=+24.0% | Growth Revenue=+21.1%
EPS next Year (2027-12-31): EPS=14.85 | Chg7d=-0.002 | Chg30d=-0.046 | Revisions Net=-2 | Growth EPS=+12.0% | Growth Revenue=+9.1%
[Analyst] Revisions Ratio: -0.33 (1 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.2% (Discount Rate 7.9% - Earnings Yield 2.7%)
[Growth] Growth Spread = +21.5% (Analyst 26.8% - Implied 5.2%)