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Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance and reinsurance brokerage, consulting, and third-party property/casualty claims settlement and administration services to entities and individuals worldwide. The company operates in Brokerage and Risk Management segments. Its Brokerage segment offers retail and wholesale insurance and reinsurance brokerage services; assists retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; and acts as a brokerage wholesaler, managing general agent, and managing general underwriter for distributing specialized insurance coverages to underwriting enterprises. This segment performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance; and offers services in the areas of insurance and reinsurance placement, risk of loss management, and management of employer sponsored benefit programs. The Risk Management segment provides contract claim settlement and administration services; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent brokers and consultants. It serves commercial, industrial, public, religious, and nonprofit entities, as well as underwriting enterprises. The company was founded in 1927 and is headquartered in Rolling Meadows, Illinois.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Arthur J. Gallagher & Co is a global insurance broker and risk-management firm that arranges commercial and personal insurance, provides employee benefits consulting, and delivers claims and risk advisory services.
Long-term growth may be supported by industry consolidation, demand for more complex risk solutions, and a consistent acquisition strategy; investors may view its diversified fee-based revenue and broad geographic footprint as attractive.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1871.00M | 1874.80M | 1185.10M | 1327.00M | 975.10M |
| Minority interest | -9.00M | -7.70M | 3.50M | -1.80M | -48.20M |
| Net income | 1493.90M | 1462.70M | 969.50M | 1114.20M | 906.80M |
| Selling general administrative | 7001.10M | 6522.30M | 5681.20M | 4799.80M | 3927.50M |
| Selling and marketing expenses | - | - | 4131.20M | - | - |
| Gross profit | 7633.30M | 4878.30M | 4245.30M | 3597.40M | 2975.70M |
| Reconciled depreciation | 1122.00M | 842.30M | 696.50M | 599.60M | 566.30M |
| Ebit | 2538.70M | 2256.10M | 1481.80M | 1749.90M | 1472.80M |
| Ebitda | 3661.20M | 3098.40M | 2178.30M | 2349.50M | 2039.10M |
| Depreciation and amortization | 1122.50M | 842.30M | 696.50M | 599.60M | 566.30M |
| Non operating income net other | - | - | - | - | -16.20M |
| Operating income | 2548.90M | 2282.10M | 1859.10M | 1749.90M | 1472.80M |
| Other operating expenses | 11392.90M | 9272.80M | 8212.80M | 6883.70M | 6872.40M |
| Interest expense | 638.80M | 381.30M | 296.70M | -256.90M | 226.10M |
| Tax provision | 368.00M | 404.40M | 219.10M | 211.00M | 20.10M |
| Interest income | 639.00M | 381.40M | 306.50M | 256.90M | 226.10M |
| Net interest income | -639.00M | -381.30M | -296.70M | -256.90M | -226.10M |
| Income tax expense | 368.30M | 404.40M | 219.10M | 211.00M | 20.10M |
| Total revenue | 13941.80M | 11554.90M | 10071.90M | 8550.60M | 8209.40M |
| Total operating expenses | 5084.40M | 2596.20M | 2386.20M | 1930.50M | 1638.70M |
| Cost of revenue | 6308.50M | 6676.60M | 5826.60M | 4953.20M | 5233.70M |
| Total other income expense net | -677.90M | -407.30M | -674.00M | -422.90M | -497.70M |
| Net income from continuing ops | 1503.00M | 1470.40M | 966.00M | 1116.00M | 955.00M |
| Net income applicable to common shares | 1494.00M | 1462.70M | 969.50M | 1114.20M | 906.80M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 70665.00M | 64255.20M | 51615.80M | 38907.80M | 33345.00M |
| Intangible assets | 10684.00M | 4530.10M | 4633.30M | 3372.10M | 3954.00M |
| Other current assets | 27785.00M | 25230.10M | 27358.00M | 1461.50M | 1451.00M |
| Total liab | 47318.00M | 44075.60M | 40800.50M | 29717.60M | 24784.90M |
| Total stockholder equity | 23321.00M | 20153.50M | 10775.30M | 9143.60M | 8508.40M |
| Deferred long term liab | - | - | - | 62.60M | 58.70M |
| Other current liab | 31653.00M | 28298.40M | 29461.00M | 2091.20M | 1895.10M |
| Common stock | 257.00M | 250.00M | 216.70M | 211.90M | 208.50M |
| Capital stock | 257.00M | 250.00M | 216.70M | 211.90M | 208.50M |
| Retained earnings | 5806.00M | 4985.70M | 4052.90M | 3562.20M | 2882.30M |
| Other liab | - | - | - | 1966.40M | 1930.40M |
| Good will | 22593.00M | 12270.20M | 11475.60M | 9489.40M | 8666.20M |
| Other assets | 1645.00M | 2313.50M | - | 2288.80M | 2195.00M |
| Cash | 1396.00M | 14987.30M | 971.50M | 342.30M | 402.60M |
| Cash and equivalents | 1396.00M | 14758.70M | - | 342.30M | 402.60M |
| Total current liabilities | 32519.00M | 29260.80M | 31064.70M | 21888.00M | 16735.00M |
| Current deferred revenue | - | 537.20M | 644.70M | 546.70M | 520.90M |
| Net debt | 12604.00M | -1502.10M | 7345.70M | 6072.80M | 6190.30M |
| Short term debt | 866.00M | 425.20M | 959.00M | 551.90M | 473.40M |
| Short long term debt | 866.00M | 425.20M | 959.00M | 551.90M | 473.40M |
| Short long term debt total | 14000.00M | 13485.20M | 8317.20M | 6415.10M | 6592.90M |
| Other stockholder equity | 17783.00M | 16068.90M | 7297.80M | 6509.90M | 6143.70M |
| Property plant equipment | 1387.00M | 1028.10M | - | 922.90M | 859.40M |
| Total current assets | 34356.00M | 44113.30M | 32116.10M | 22834.60M | 17670.40M |
| Net tangible assets | - | - | - | -3717.90M | -4111.80M |
| Short term investments | - | 6.20M | 3.90M | - | - |
| Net receivables | 5175.00M | 3895.90M | 3786.60M | 16408.90M | 11753.10M |
| Long term debt | 12104.00M | 12731.90M | 7006.00M | 5562.80M | 5810.20M |
| Inventory | - | - | 27077.00M | 4621.90M | 4063.70M |
| Accounts payable | - | - | 2553.10M | 18698.20M | 13845.60M |
| Noncontrolling interest in consolidated entity | - | - | - | 46.60M | 51.70M |
| Accumulated other comprehensive income | -525.00M | -1151.10M | -792.10M | -1140.40M | -726.10M |
| Common stock total equity | - | - | - | 211.90M | 208.50M |
| Retained earnings total equity | - | - | - | 3562.20M | 2882.30M |
| Non currrent assets other | 1645.00M | 1354.40M | 1131.80M | 989.80M | 966.50M |
| Non current assets total | 36309.00M | 20141.90M | 19499.70M | 16073.20M | 15674.60M |
| Capital lease obligations | 515.00M | 328.10M | 352.20M | 300.40M | 309.30M |
| Long term debt total | 12104.00M | 12731.90M | - | 5562.80M | 5810.20M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 2.00M | -1587.40M | -1835.20M | -68.20M | -67.90M |
| Change to liabilities | - | - | - | 5134.10M | -88.30M |
| Total cashflows from investing activities | -15881.00M | -1587.40M | - | -1004.80M | -3431.70M |
| Net borrowings | -212.00M | 5268.00M | - | 15.00M | 1700.70M |
| Total cash from financing activities | 1718.00M | 13052.70M | 2873.90M | -522.80M | 2684.10M |
| Change to operating activities | - | - | - | 5262.80M | 167.30M |
| Net income | 1494.00M | 1462.70M | 966.00M | 1116.00M | 955.00M |
| Change in cash | -13591.30M | 13925.30M | 1579.10M | 497.90M | 892.00M |
| Begin period cash flow | 14987.30M | 6543.30M | 4964.20M | 4466.30M | 3574.30M |
| End period cash flow | 1396.00M | 20468.60M | 6543.30M | 4964.20M | 4466.30M |
| Total cash from operating activities | 1930.00M | 2582.90M | 2031.70M | 2125.40M | 1704.10M |
| Issuance of capital stock | 1499.00M | 8506.80M | 120.90M | 123.10M | 1546.70M |
| Depreciation | 1122.00M | 842.30M | 696.50M | 599.60M | 566.30M |
| Other cashflows from investing activities | 16.00M | 16.80M | - | -753.90M | -3235.20M |
| Dividends paid | 667.00M | 525.40M | 473.60M | 429.50M | 392.00M |
| Change to inventory | - | - | - | - | -260.60M |
| Change to account receivables | -278.00M | -65.00M | -503.50M | -4789.30M | 132.90M |
| Sale purchase of stock | 1499.00M | 8506.80M | 5470.70M | 119.50M | 2994.00M |
| Other cashflows from financing activities | 1089.00M | -196.70M | 1366.60M | 2540.10M | -229.60M |
| Change to netincome | - | - | - | -311.30M | -214.90M |
| Capital expenditures | 145.00M | 141.90M | 193.60M | 182.70M | 128.60M |
| Cash flows other operating | - | - | - | -4413.00M | 486.00M |
| Cash and cash equivalents changes | - | - | - | 597.80M | 956.50M |
| Change in working capital | -539.00M | 40.90M | -121.20M | 552.70M | 199.50M |
| Stock based compensation | 49.00M | 117.50M | 31.40M | 24.40M | 13.40M |
| Other non cash items | -147.00M | 10.90M | 415.90M | 41.70M | 153.90M |
| Free cash flow | 1785.00M | 2441.00M | 1838.10M | 1942.70M | 1575.50M |
Sector: Financial Services Industry: Insurance Brokers
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| AJG Arthur J Gallagher & Co |
14.93 5.46% |
288.38 | 41.13 | 17.09 | 4.21 | 2.74 | 4.93 | 19.58 |
| MRSH Marsh & McLennan Companies, Inc. |
6.75 3.31% |
210.38 | 22.03 | 15.87 | 3.07 | 5.67 | 3.82 | 14.80 |
| AON Aon PLC |
- -% |
344.67 | 19.50 | 17.61 | 4.19 | 7.68 | 4.95 | 13.01 |
| WTW Willis Towers Watson PLC |
9.71 2.96% |
337.37 | 19.92 | 14.56 | 2.96 | 3.91 | 3.52 | 13.08 |
| BRO Brown & Brown Inc |
2.97 4.19% |
73.89 | 21.48 | 15.20 | 4.07 | 1.87 | 5.25 | 14.80 |
Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance and reinsurance brokerage, consulting, and third-party property/casualty claims settlement and administration services to entities and individuals worldwide. The company operates in Brokerage and Risk Management segments. Its Brokerage segment offers retail and wholesale insurance and reinsurance brokerage services; assists retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; and acts as a brokerage wholesaler, managing general agent, and managing general underwriter for distributing specialized insurance coverages to underwriting enterprises. This segment performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance; and offers services in the areas of insurance and reinsurance placement, risk of loss management, and management of employer sponsored benefit programs. The Risk Management segment provides contract claim settlement and administration services; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent brokers and consultants. It serves commercial, industrial, public, religious, and nonprofit entities, as well as underwriting enterprises. The company was founded in 1927 and is headquartered in Rolling Meadows, Illinois.
2850 Golf Road, Rolling Meadows, IL, United States, 60008-4050
(630) 773-3800
67456
| Name | Title | Year Born |
|---|---|---|
| Mr. J. Patrick Gallagher Jr. | Chairman, Pres & CEO | 1952 |
| Mr. Douglas K. Howell CPA | Corp. VP & CFO | 1962 |
| Mr. Walter D. Bay | Corp. VP, Gen. Counsel & Sec. | 1963 |
| Mr. Thomas Joseph Gallagher | Chief Exec. Officer of Brokerage Services | 1959 |
| Mr. Scott R. Hudson CPA | Pres & CEO of Risk Management Services | 1962 |
| Mr. David R. Long | VP | 1952 |
| Mr. Richard C. Cary | Chief Accounting Officer & Controller | 1963 |
| Mr. Mark H. Bloom | Global Chief Information Officer | 1964 |
| Mr. Raymond Iardella | VP of Investor Relations | NA |
| Ms. Linda J. Collins | VP of Corp. Communications | NA |
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