AON PLC-CLASS A (1AON.MI) Stock Fundamental Analysis

BIT:1AON • IE00BLP1HW54

289.6 EUR
+289.6 (+Infinity%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Overall 1AON gets a fundamental rating of 6 out of 10. We evaluated 1AON against 46 industry peers in the Insurance industry. 1AON scores excellent on profitability, but there are some minor concerns on its financial health. 1AON is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • 1AON had positive earnings in the past year.
  • 1AON had a positive operating cash flow in the past year.
  • 1AON had positive earnings in each of the past 5 years.
  • 1AON had a positive operating cash flow in each of the past 5 years.
1AON.MI Yearly Net Income VS EBIT VS OCF VS FCF1AON.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 4B

1.2 Ratios

  • 1AON has a better Return On Assets (7.28%) than 95.83% of its industry peers.
  • Looking at the Return On Equity, with a value of 39.51%, 1AON belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 1AON has a better Return On Invested Capital (13.48%) than 100.00% of its industry peers.
  • 1AON had an Average Return On Invested Capital over the past 3 years of 16.99%. This is significantly above the industry average of 2.84%.
Industry RankSector Rank
ROA 7.28%
ROE 39.51%
ROIC 13.49%
ROA(3y)6.75%
ROA(5y)6.42%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.99%
ROIC(5y)17.08%
1AON.MI Yearly ROA, ROE, ROIC1AON.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200 -400

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.51%, 1AON belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1AON has grown nicely.
  • 1AON has a better Operating Margin (27.49%) than 91.67% of its industry peers.
  • 1AON's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 47.70%, 1AON belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
OM 27.49%
PM (TTM) 21.51%
GM 47.7%
OM growth 3Y-2.31%
OM growth 5Y1.75%
PM growth 3Y1.21%
PM growth 5Y3.86%
GM growth 3YN/A
GM growth 5YN/A
1AON.MI Yearly Profit, Operating, Gross Margins1AON.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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5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1AON is creating value.
  • Compared to 1 year ago, 1AON has less shares outstanding
  • Compared to 5 years ago, 1AON has less shares outstanding
  • Compared to 1 year ago, 1AON has an improved debt to assets ratio.
1AON.MI Yearly Shares Outstanding1AON.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
1AON.MI Yearly Total Debt VS Total Assets1AON.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • Based on the Altman-Z score of 1.76, we must say that 1AON is in the distress zone and has some risk of bankruptcy.
  • 1AON's Altman-Z score of 1.76 is amongst the best of the industry. 1AON outperforms 95.83% of its industry peers.
  • 1AON has a debt to FCF ratio of 4.74. This is a neutral value as 1AON would need 4.74 years to pay back of all of its debts.
  • 1AON's Debt to FCF ratio of 4.74 is on the low side compared to the rest of the industry. 1AON is outperformed by 70.83% of its industry peers.
  • A Debt/Equity ratio of 1.57 is on the high side and indicates that 1AON has dependencies on debt financing.
  • 1AON has a worse Debt to Equity ratio (1.57) than 85.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.57
Debt/FCF 4.74
Altman-Z 1.76
ROIC/WACC1.96
WACC6.89%
1AON.MI Yearly LT Debt VS Equity VS FCF1AON.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

  • A Current Ratio of 1.11 indicates that 1AON should not have too much problems paying its short term obligations.
  • 1AON has a better Current ratio (1.11) than 89.58% of its industry peers.
  • 1AON has a Quick Ratio of 1.11. This is a normal value and indicates that 1AON is financially healthy and should not expect problems in meeting its short term obligations.
  • 1AON's Quick ratio of 1.11 is amongst the best of the industry. 1AON outperforms 89.58% of its industry peers.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
1AON.MI Yearly Current Assets VS Current Liabilites1AON.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • 1AON shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.46%, which is quite good.
  • Measured over the past years, 1AON shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.75% on average per year.
  • 1AON shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.45%.
  • 1AON shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.20% yearly.
EPS 1Y (TTM)8.46%
EPS 3Y8.46%
EPS 5Y11.75%
EPS Q2Q%9.73%
Revenue 1Y (TTM)9.45%
Revenue growth 3Y11.25%
Revenue growth 5Y9.2%
Sales Q2Q%3.69%

3.2 Future

  • Based on estimates for the next years, 1AON will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.87% on average per year.
  • Based on estimates for the next years, 1AON will show a small growth in Revenue. The Revenue will grow by 4.77% on average per year.
EPS Next Y12.98%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
EPS Next 5Y10.87%
Revenue Next Year4.77%
Revenue Next 2Y5.48%
Revenue Next 3Y5.65%
Revenue Next 5Y4.77%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1AON.MI Yearly Revenue VS Estimates1AON.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
1AON.MI Yearly EPS VS Estimates1AON.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 25

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3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.94, the valuation of 1AON can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1AON indicates a slightly more expensive valuation: 1AON is more expensive than 79.17% of the companies listed in the same industry.
  • 1AON's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.64.
  • Based on the Price/Forward Earnings ratio of 17.66, the valuation of 1AON can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, 1AON is valued more expensive than 89.58% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, 1AON is valued a bit cheaper.
Industry RankSector Rank
PE 19.94
Fwd PE 17.66
1AON.MI Price Earnings VS Forward Price Earnings1AON.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1AON's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1AON is cheaper than 60.42% of the companies in the same industry.
  • 1AON's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1AON is more expensive than 72.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.69
EV/EBITDA 14.74
1AON.MI Per share data1AON.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60

4.3 Compensation for Growth

  • 1AON's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The excellent profitability rating of 1AON may justify a higher PE ratio.
PEG (NY)1.54
PEG (5Y)1.7
EPS Next 2Y12.7%
EPS Next 3Y11.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • 1AON has a yearly dividend return of 0.92%, which is pretty low.
  • Compared to an average industry Dividend Yield of 4.18, 1AON's dividend is way lower than its industry peers. On top of this 87.50% of the companies listed in the same industry pay a better dividend than 1AON!
  • Compared to an average S&P500 Dividend Yield of 1.80, 1AON's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.92%

5.2 History

  • The dividend of 1AON is nicely growing with an annual growth rate of 10.19%!
Dividend Growth(5Y)10.19%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 17.02% of the earnings are spent on dividend by 1AON. This is a low number and sustainable payout ratio.
  • The dividend of 1AON is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP17.02%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
1AON.MI Yearly Income VS Free CF VS Dividend1AON.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
1AON.MI Dividend Payout.1AON.MI Dividend Payout, showing the Payout Ratio.1AON.MI Dividend Payout.PayoutRetained Earnings

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AON PLC-CLASS A

BIT:1AON (2/12/2026, 7:00:00 PM)

289.6

+289.6 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners87.86%
Inst Owner ChangeN/A
Ins Owners1.06%
Ins Owner ChangeN/A
Market Cap62.12B
Revenue(TTM)17.18B
Net Income(TTM)3.69B
Analysts74.29
Price Target311.15 (7.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.92%
Yearly Dividend2.48
Dividend Growth(5Y)10.19%
DP17.02%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.58%
Min EPS beat(2)1.44%
Max EPS beat(2)3.73%
EPS beat(4)3
Avg EPS beat(4)-0.01%
Min EPS beat(4)-6.82%
Max EPS beat(4)3.73%
EPS beat(8)5
Avg EPS beat(8)0.08%
EPS beat(12)6
Avg EPS beat(12)-0.7%
EPS beat(16)9
Avg EPS beat(16)-0.09%
Revenue beat(2)1
Avg Revenue beat(2)-1.42%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)0.03%
Revenue beat(4)1
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-3.71%
Max Revenue beat(4)0.03%
Revenue beat(8)1
Avg Revenue beat(8)-1.61%
Revenue beat(12)2
Avg Revenue beat(12)-1.09%
Revenue beat(16)2
Avg Revenue beat(16)-1.47%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.94
Fwd PE 17.66
P/S 4.25
P/FCF 22.69
P/OCF 20.97
P/B 7.81
P/tB N/A
EV/EBITDA 14.74
EPS(TTM)14.52
EY5.01%
EPS(NY)16.4
Fwd EY5.66%
FCF(TTM)12.76
FCFY4.41%
OCF(TTM)13.81
OCFY4.77%
SpS68.15
BVpS37.1
TBVpS-48.28
PEG (NY)1.54
PEG (5Y)1.7
Graham Number110.09
Profitability
Industry RankSector Rank
ROA 7.28%
ROE 39.51%
ROCE 17.14%
ROIC 13.49%
ROICexc 15.01%
ROICexgc 114.84%
OM 27.49%
PM (TTM) 21.51%
GM 47.7%
FCFM 18.73%
ROA(3y)6.75%
ROA(5y)6.42%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.99%
ROIC(5y)17.08%
ROICexc(3y)33.32%
ROICexc(5y)35.57%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)22.27%
ROCE(5y)22.53%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-34.34%
ROICexc growth 5Y-11.81%
OM growth 3Y-2.31%
OM growth 5Y1.75%
PM growth 3Y1.21%
PM growth 5Y3.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 1.57
Debt/FCF 4.74
Debt/EBITDA 2.58
Cap/Depr 27.23%
Cap/Sales 1.53%
Interest Coverage 250
Cash Conversion 61.19%
Profit Quality 87.09%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 1.76
F-Score8
WACC6.89%
ROIC/WACC1.96
Cap/Depr(3y)52.48%
Cap/Depr(5y)54.74%
Cap/Sales(3y)1.6%
Cap/Sales(5y)1.5%
Profit Quality(3y)105.79%
Profit Quality(5y)119.42%
High Growth Momentum
Growth
EPS 1Y (TTM)8.46%
EPS 3Y8.46%
EPS 5Y11.75%
EPS Q2Q%9.73%
EPS Next Y12.98%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
EPS Next 5Y10.87%
Revenue 1Y (TTM)9.45%
Revenue growth 3Y11.25%
Revenue growth 5Y9.2%
Sales Q2Q%3.69%
Revenue Next Year4.77%
Revenue Next 2Y5.48%
Revenue Next 3Y5.65%
Revenue Next 5Y4.77%
EBIT growth 1Y11.81%
EBIT growth 3Y8.67%
EBIT growth 5Y11.11%
EBIT Next Year15%
EBIT Next 3Y6.56%
EBIT Next 5Y6.03%
FCF growth 1Y14.24%
FCF growth 3Y2.11%
FCF growth 5Y4.02%
OCF growth 1Y14.7%
OCF growth 3Y2.64%
OCF growth 5Y4.58%

AON PLC-CLASS A / 1AON.MI FAQ

Can you provide the ChartMill fundamental rating for AON PLC-CLASS A?

ChartMill assigns a fundamental rating of 6 / 10 to 1AON.MI.


What is the valuation status for 1AON stock?

ChartMill assigns a valuation rating of 3 / 10 to AON PLC-CLASS A (1AON.MI). This can be considered as Overvalued.


Can you provide the profitability details for AON PLC-CLASS A?

AON PLC-CLASS A (1AON.MI) has a profitability rating of 9 / 10.


Can you provide the financial health for 1AON stock?

The financial health rating of AON PLC-CLASS A (1AON.MI) is 5 / 10.


Can you provide the expected EPS growth for 1AON stock?

The Earnings per Share (EPS) of AON PLC-CLASS A (1AON.MI) is expected to grow by 12.98% in the next year.