ARTHUR J GALLAGHER & CO (1AJG.MI) Fundamental Analysis & Valuation

BIT:1AJG • US3635761097

Current stock price

183 EUR
+9.15 (+5.26%)
Last:

This 1AJG.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. 1AJG.MI Profitability Analysis

1.1 Basic Checks

  • 1AJG had positive earnings in the past year.
  • In the past year 1AJG had a positive cash flow from operations.
  • In the past 5 years 1AJG has always been profitable.
  • 1AJG had a positive operating cash flow in each of the past 5 years.
1AJG.MI Yearly Net Income VS EBIT VS OCF VS FCF1AJG.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

1.2 Ratios

  • The Return On Assets of 1AJG (2.11%) is better than 68.09% of its industry peers.
  • With a Return On Equity value of 6.41%, 1AJG is not doing good in the industry: 80.85% of the companies in the same industry are doing better.
  • 1AJG's Return On Invested Capital of 6.98% is amongst the best of the industry. 1AJG outperforms 93.62% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1AJG is above the industry average of 2.85%.
  • The 3 year average ROIC (6.61%) for 1AJG is below the current ROIC(6.98%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.11%
ROE 6.41%
ROIC 6.98%
ROA(3y)2.09%
ROA(5y)2.38%
ROE(3y)7.55%
ROE(5y)9.1%
ROIC(3y)6.61%
ROIC(5y)6.99%
1AJG.MI Yearly ROA, ROE, ROIC1AJG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 10.72%, 1AJG is in line with its industry, outperforming 59.57% of the companies in the same industry.
  • 1AJG's Profit Margin has declined in the last couple of years.
  • 1AJG's Operating Margin of 24.22% is amongst the best of the industry. 1AJG outperforms 87.23% of its industry peers.
  • 1AJG's Operating Margin has improved in the last couple of years.
  • The Gross Margin of 1AJG (46.02%) is better than 100.00% of its industry peers.
  • 1AJG's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 24.22%
PM (TTM) 10.72%
GM 46.02%
OM growth 3Y1.59%
OM growth 5Y7.18%
PM growth 3Y-6.31%
PM growth 5Y-1.73%
GM growth 3Y1.27%
GM growth 5Y4.61%
1AJG.MI Yearly Profit, Operating, Gross Margins1AJG.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. 1AJG.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1AJG is destroying value.
  • 1AJG has more shares outstanding than it did 1 year ago.
  • 1AJG has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1AJG has been reduced compared to a year ago.
1AJG.MI Yearly Shares Outstanding1AJG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
1AJG.MI Yearly Total Debt VS Total Assets1AJG.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • 1AJG has an Altman-Z score of 1.19. This is a bad value and indicates that 1AJG is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of 1AJG (1.19) is better than 91.49% of its industry peers.
  • The Debt to FCF ratio of 1AJG is 7.27, which is on the high side as it means it would take 1AJG, 7.27 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.27, 1AJG is doing worse than 65.96% of the companies in the same industry.
  • 1AJG has a Debt/Equity ratio of 0.53. This is a neutral value indicating 1AJG is somewhat dependend on debt financing.
  • The Debt to Equity ratio of 1AJG (0.53) is better than 61.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 7.27
Altman-Z 1.19
ROIC/WACC0.89
WACC7.86%
1AJG.MI Yearly LT Debt VS Equity VS FCF1AJG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

  • 1AJG has a Current Ratio of 1.06. This is a normal value and indicates that 1AJG is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.06, 1AJG belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
  • A Quick Ratio of 1.06 indicates that 1AJG should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.06, 1AJG belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.06
Quick Ratio 1.06
1AJG.MI Yearly Current Assets VS Current Liabilites1AJG.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

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6

3. 1AJG.MI Growth Analysis

3.1 Past

  • 1AJG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.52%.
  • The Earnings Per Share has been growing by 17.73% on average over the past years. This is quite good.
  • Looking at the last year, 1AJG shows a very strong growth in Revenue. The Revenue has grown by 20.66%.
  • The Revenue has been growing by 14.76% on average over the past years. This is quite good.
EPS 1Y (TTM)5.52%
EPS 3Y12.43%
EPS 5Y17.73%
EPS Q2Q%11.74%
Revenue 1Y (TTM)20.66%
Revenue growth 3Y17.7%
Revenue growth 5Y14.76%
Sales Q2Q%31.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.16% on average over the next years. This is quite good.
  • Based on estimates for the next years, 1AJG will show a quite strong growth in Revenue. The Revenue will grow by 13.47% on average per year.
EPS Next Y25.15%
EPS Next 2Y18.49%
EPS Next 3Y16.49%
EPS Next 5Y19.16%
Revenue Next Year21.79%
Revenue Next 2Y15.35%
Revenue Next 3Y13.47%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
1AJG.MI Yearly Revenue VS Estimates1AJG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
1AJG.MI Yearly EPS VS Estimates1AJG.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20

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4

4. 1AJG.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.76, the valuation of 1AJG can be described as rather expensive.
  • Based on the Price/Earnings ratio, 1AJG is valued a bit more expensive than the industry average as 74.47% of the companies are valued more cheaply.
  • 1AJG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.23.
  • The Price/Forward Earnings ratio is 15.79, which indicates a correct valuation of 1AJG.
  • Based on the Price/Forward Earnings ratio, 1AJG is valued a bit more expensive than 76.60% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.42. 1AJG is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.76
Fwd PE 15.79
1AJG.MI Price Earnings VS Forward Price Earnings1AJG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1AJG is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, 1AJG is valued a bit more expensive than the industry average as 70.21% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 30.46
EV/EBITDA 14.61
1AJG.MI Per share data1AJG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

4.3 Compensation for Growth

  • 1AJG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of 1AJG may justify a higher PE ratio.
  • A more expensive valuation may be justified as 1AJG's earnings are expected to grow with 16.49% in the coming years.
PEG (NY)0.79
PEG (5Y)1.11
EPS Next 2Y18.49%
EPS Next 3Y16.49%

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4

5. 1AJG.MI Dividend Analysis

5.1 Amount

  • 1AJG has a Yearly Dividend Yield of 1.34%.
  • Compared to an average industry Dividend Yield of 4.59, 1AJG's dividend is way lower than its industry peers. On top of this 85.11% of the companies listed in the same industry pay a better dividend than 1AJG!
  • Compared to the average S&P500 Dividend Yield of 1.89, 1AJG is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.34%

5.2 History

  • The dividend of 1AJG is nicely growing with an annual growth rate of 7.66%!
Dividend Growth(5Y)7.66%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1AJG pays out 44.65% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of 1AJG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.65%
EPS Next 2Y18.49%
EPS Next 3Y16.49%
1AJG.MI Yearly Income VS Free CF VS Dividend1AJG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
1AJG.MI Dividend Payout.1AJG.MI Dividend Payout, showing the Payout Ratio.1AJG.MI Dividend Payout.PayoutRetained Earnings

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1AJG.MI Fundamentals: All Metrics, Ratios and Statistics

ARTHUR J GALLAGHER & CO

BIT:1AJG (3/10/2026, 7:00:00 PM)

183

+9.15 (+5.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners93.47%
Inst Owner ChangeN/A
Ins Owners0.59%
Ins Owner ChangeN/A
Market Cap47.05B
Revenue(TTM)13.94B
Net Income(TTM)1.49B
Analysts73.33
Price Target248.75 (35.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.34%
Yearly Dividend2.28
Dividend Growth(5Y)7.66%
DP44.65%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.72%
Min EPS beat(2)-9.74%
Max EPS beat(2)0.31%
EPS beat(4)2
Avg EPS beat(4)-2.64%
Min EPS beat(4)-9.74%
Max EPS beat(4)1.43%
EPS beat(8)4
Avg EPS beat(8)-0.89%
EPS beat(12)7
Avg EPS beat(12)-0.43%
EPS beat(16)10
Avg EPS beat(16)-0.93%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-4.64%
Max Revenue beat(2)-2.44%
Revenue beat(4)1
Avg Revenue beat(4)-1.97%
Min Revenue beat(4)-4.64%
Max Revenue beat(4)0.09%
Revenue beat(8)3
Avg Revenue beat(8)-0.87%
Revenue beat(12)6
Avg Revenue beat(12)-0.12%
Revenue beat(16)9
Avg Revenue beat(16)0.19%
PT rev (1m)-1.47%
PT rev (3m)N/A
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.24%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.76
Fwd PE 15.79
P/S 3.9
P/FCF 30.46
P/OCF 28.17
P/B 2.33
P/tB N/A
EV/EBITDA 14.61
EPS(TTM)9.26
EY5.06%
EPS(NY)11.59
Fwd EY6.33%
FCF(TTM)6.01
FCFY3.28%
OCF(TTM)6.5
OCFY3.55%
SpS46.93
BVpS78.5
TBVpS-33.51
PEG (NY)0.79
PEG (5Y)1.11
Graham Number127.89
Profitability
Industry RankSector Rank
ROA 2.11%
ROE 6.41%
ROCE 8.85%
ROIC 6.98%
ROICexc 7.25%
ROICexgc 72.46%
OM 24.22%
PM (TTM) 10.72%
GM 46.02%
FCFM 12.8%
ROA(3y)2.09%
ROA(5y)2.38%
ROE(3y)7.55%
ROE(5y)9.1%
ROIC(3y)6.61%
ROIC(5y)6.99%
ROICexc(3y)8.34%
ROICexc(5y)8.14%
ROICexgc(3y)57.33%
ROICexgc(5y)48.29%
ROCE(3y)8.4%
ROCE(5y)8.91%
ROICexgc growth 3Y19.17%
ROICexgc growth 5Y19.54%
ROICexc growth 3Y-8.59%
ROICexc growth 5Y-2.23%
OM growth 3Y1.59%
OM growth 5Y7.18%
PM growth 3Y-6.31%
PM growth 5Y-1.73%
GM growth 3Y1.27%
GM growth 5Y4.61%
F-Score6
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 7.27
Debt/EBITDA 2.74
Cap/Depr 12.92%
Cap/Sales 1.04%
Interest Coverage 5.87
Cash Conversion 42.9%
Profit Quality 119.48%
Current Ratio 1.06
Quick Ratio 1.06
Altman-Z 1.19
F-Score6
WACC7.86%
ROIC/WACC0.89
Cap/Depr(3y)19.19%
Cap/Depr(5y)22.15%
Cap/Sales(3y)1.4%
Cap/Sales(5y)1.58%
Profit Quality(3y)158.65%
Profit Quality(5y)164.81%
High Growth Momentum
Growth
EPS 1Y (TTM)5.52%
EPS 3Y12.43%
EPS 5Y17.73%
EPS Q2Q%11.74%
EPS Next Y25.15%
EPS Next 2Y18.49%
EPS Next 3Y16.49%
EPS Next 5Y19.16%
Revenue 1Y (TTM)20.66%
Revenue growth 3Y17.7%
Revenue growth 5Y14.76%
Sales Q2Q%31.26%
Revenue Next Year21.79%
Revenue Next 2Y15.35%
Revenue Next 3Y13.47%
Revenue Next 5YN/A
EBIT growth 1Y22.73%
EBIT growth 3Y19.57%
EBIT growth 5Y23%
EBIT Next Year64.68%
EBIT Next 3Y26.04%
EBIT Next 5YN/A
FCF growth 1Y-26.87%
FCF growth 3Y-2.78%
FCF growth 5Y0.89%
OCF growth 1Y-25.28%
OCF growth 3Y-3.16%
OCF growth 5Y1.32%

ARTHUR J GALLAGHER & CO / 1AJG.MI Fundamental Analysis FAQ

What is the fundamental rating for 1AJG stock?

ChartMill assigns a fundamental rating of 5 / 10 to 1AJG.MI.


What is the valuation status of ARTHUR J GALLAGHER & CO (1AJG.MI) stock?

ChartMill assigns a valuation rating of 4 / 10 to ARTHUR J GALLAGHER & CO (1AJG.MI). This can be considered as Fairly Valued.


What is the profitability of 1AJG stock?

ARTHUR J GALLAGHER & CO (1AJG.MI) has a profitability rating of 7 / 10.


What are the PE and PB ratios of ARTHUR J GALLAGHER & CO (1AJG.MI) stock?

The Price/Earnings (PE) ratio for ARTHUR J GALLAGHER & CO (1AJG.MI) is 19.76 and the Price/Book (PB) ratio is 2.33.


How financially healthy is ARTHUR J GALLAGHER & CO?

The financial health rating of ARTHUR J GALLAGHER & CO (1AJG.MI) is 4 / 10.