US · AJG
Arthur J. Gallagher & Co.
- Sector
- Financial Services · Insurance - Brokers
- Headquarters
- Rolling Meadows, IL 60008-4050
- Website
- ajg.com
Price · as of 2025-12-31
$208.11
Market cap 58.67B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $186.28 | -10.49% |
| Intrinsic Value(DCF) | $268.58 | +29.06% |
| Graham-Dodd Method(GD) | $31.49 | -84.87% |
| Graham Formula(GF) | $159.72 | -23.25% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $25.85 | $38.74 | $4.81 | $0.00 | $28.51 |
| 2012 | $29.91 | $47.68 | $73.38 | $0.00 | $40.84 |
| 2013 | $37.47 | $50.84 | $273.68 | $0.00 | $69.17 |
| 2014 | $38.20 | $53.48 | $1,126.52 | $0.00 | $102.71 |
| 2015 | $36.22 | $45.93 | $811.48 | $0.00 | $49.73 |
| 2016 | $49.63 | $50.58 | $398.08 | $0.00 | $29.71 |
| 2017 | $65.26 | $60.53 | $61.12 | $0.00 | $47.30 |
| 2018 | $71.60 | $68.68 | $7.05 | $0.00 | $64.00 |
| 2019 | $94.01 | $82.61 | $6.90 | $0.00 | $38.87 |
| 2020 | $120.09 | $108.09 | $1.65 | $0.00 | $28.29 |
| 2021 | $148.12 | $133.55 | $0.73 | $0.00 | $109.97 |
| 2022 | $178.26 | $142.27 | $10.01 | $0.00 | $64.36 |
| 2023 | $247.91 | $170.55 | $5.98 | $0.00 | $113.49 |
| 2024 | $321.19 | $210.59 | $79.22 | $33.18 | $147.84 |
| 2025 | $229.27 | $186.28 | $115.36 | $31.49 | $159.72 |
AI valuation
Our deep-learning model estimates Arthur J. Gallagher & Co.'s (AJG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $186.28
- Current price
- $208.11
- AI upside
- -10.49%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$268.58
+29.06% upside
Graham-Dodd
$31.49
-84.87% upside
Graham Formula
$159.72
-23.25% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AJG | Arthur J. Gallagher & Co. | $208.11 | 58.67B | -10% | +29% | -85% | -23% | 39.95 | 2.56 | 4.28 | 19.75 | — | -6.00 | 54.75% | 18.28% | 10.72% | 6.87% | 7.50% | 2.21% | 0.60 | 3.99 | 1.06 | 0.20 | 3.44 | -1194.00% | 2066.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 28.36 | — | 5.19 | 1.22 |
| AFL | Aflac Incorporated | $112.93 | 59.19B | -22% | -39% | -50% | — | 16.48 | 2.04 | 3.45 | 11.27 | — | 2.94 | 38.93% | 26.61% | 20.91% | 13.12% | -119.49% | 3.12% | 0.29 | 21.10 | — | — | 0.39 | -2908.00% | -884.00% | 3705.00% | 6.17% | — | -118.76% | 1.99% | 32.90% | 7.87% | 13.41 | 16.78 | 3.57 | 1.43 |
| AON | Aon plc | $335.47 | 72.1B | -21% | -39% | -96% | -12% | 19.66 | 7.77 | 4.23 | 16.15 | 54.22 | -5.97 | 47.70% | 25.28% | 21.51% | 47.76% | 19.30% | 7.41% | 1.77 | 5.33 | 1.11 | 0.30 | 2.87 | 3627.00% | 945.00% | 1424.00% | 4.43% | 0.15 | 18.14% | 0.87% | 17.00% | 4.27% | 19.89 | 26.85 | 5.03 | 1.73 |
| HDB | HDFC Bank Limited | $31.85 | 163.37B | -34% | +356% | -51% | +24% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| MFC | Manulife Financial Corpor… | $35.54 | 59.59B | +184% | -61% | -72% | — | 14.94 | 1.63 | 1.57 | 12.20 | 184.44 | 2.15 | 25.51% | 13.38% | 10.91% | 10.86% | 13.37% | 0.56% | 0.29 | 4.64 | — | — | -0.03 | 810.00% | -82741.00% | 2108.00% | 38.57% | — | 70.79% | 3.97% | 59.30% | 6.89% | 11.69 | 2.59 | 1.56 | 0.22 |
| MMC | Marsh & McLennan Companie… | $182.70 | 89.82B | +12% | -31% | — | -30% | 28.05 | 8.54 | 4.66 | 19.25 | 324.96 | -7.70 | 42.78% | 23.78% | 16.60% | 31.80% | 15.31% | 7.77% | 1.64 | 8.31 | 1.13 | 0.49 | 2.81 | 863.00% | 757.00% | 375.00% | 3.50% | 0.22 | 13.97% | 1.33% | 37.30% | 2.12% | 22.92 | 33.45 | 5.45 | 3.05 |
| PYPL | PayPal Holdings, Inc. | $46.21 | 43.24B | +158% | -45% | -24% | +50% | 8.36 | 2.16 | 1.31 | 5.63 | 23.50 | 4.76 | 47.03% | 19.70% | 15.70% | 25.73% | 27.80% | 6.47% | 0.49 | 14.89 | 1.29 | 1.25 | 0.25 | 3559.00% | 485.00% | -1778.00% | 12.72% | 0.14 | 28.32% | 0.30% | 2.50% | 17.28% | 6.60 | 7.79 | 1.30 | 1.89 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| TRV | The Travelers Companies, … | $308.64 | 68.85B | -30% | -30% | -34% | +19% | 11.08 | 2.12 | 1.43 | 8.13 | 39.90 | 2.44 | 44.25% | 15.97% | 12.88% | 20.70% | 27.25% | 4.54% | 0.28 | 18.34 | 0.23 | 0.23 | 0.95 | 2776.00% | 517.00% | -10000.00% | 0.00% | 0.12 | 0.00% | 1.41% | 15.60% | 5.90% | 9.28 | — | 1.48 | 0.84 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Arthur J. Gallagher & Co.
Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance brokerage, consulting, third-party claims settlement, and administration services in the United States, Australia, Bermuda, Canada, the Caribbean, New Zealand, India, and the United Kingdom. It operates through Brokerage and Risk Management segments. The Brokerage segment consists of retail and wholesale insurance brokerage operations; assists retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; acts as a brokerage wholesaler, managing general agent, and managing general underwriter for distributing specialized insurance coverage's to underwriting enterprises. This segment also performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance; and offers brokerage and consulting services to businesses and organizations, including commercial, not-for-profit, and public entities, as well as individuals in the areas of insurance placement, risk of loss management, and management of employer sponsored benefit programs. The Risk Management segment provides contract claim settlement and administration services to enterprises and public entities; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent insurance brokers and consultants. It serves commercial, industrial, public, religious, and not-for-profit entities. The company was incorporated in 1927 and is headquartered in Rolling Meadows, Illinois.
- CEO
- J. Patrick Gallagher Jr.
- Employees
- 53.71K
- Beta
- 0.66
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($268.58 ÷ $208.11) − 1 = +29.06% (DCF, example).