Arthur J. Gallagher & Co provides insurance brokerage and consulting services to middle-market entities around the world. The majority of the company's revenue comes from its brokerage segment, where it negotiates and places its customers with insurance companies that provide, among other types, property/casualty and health insurance. The company's primary source of revenue in the brokerage segment is commissioning from the insurance companies. The company also generates significant revenue in its corporate segment, which includes clean energy investment and other investment income. The company generates most of its revenue in the United States, with the remaining revenue coming primarily from Australia, Bermuda, Canada, the Caribbean, New Zealand, and the United Kingdom.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.2
Equity-to-Asset	0.19
Debt-to-Equity	0.76
Debt-to-EBITDA	3.57
Interest Coverage	6.21
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.09	Distress Grey Safe
Beneish M-Score	-2.34	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.5
	3-Year EBITDA Growth Rate	5.9
	3-Year EPS without NRI Growth Rate	22.9
	3-Year FCF Growth Rate	-1.5
	3-Year Book Growth Rate	15.9
	Future 3-5Y EPS without NRI Growth Rate	11.1
	Future 3-5Y Total Revenue Growth Rate	10.69

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	52.35
	9-Day RSI	53.97
	14-Day RSI	55.7
	6-1 Month Momentum %	10.95
	12-1 Month Momentum %	17.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.05
	Quick Ratio	1.05
	Cash Ratio	0.04
	Days Sales Outstanding	130.21
	Days Payable	1111.1

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.88
	Dividend Payout Ratio	0.24
	3-Year Dividend Growth Rate	6.9
	Forward Dividend Yield %	0.92
	5-Year Yield-on-Cost %	1.19
	3-Year Average Share Buyback Ratio	-3.8
	Shareholder Yield %	-1.37

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	42.18
	Operating Margin %	18.76
	Net Margin %	10.27
	FCF Margin %	20.7
	ROE %	10.34
	ROA %	2.06
	ROIC %	3.11
	ROC (Joel Greenblatt) %	82.64
	ROCE %	8.59
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	52.49
	Forward PE Ratio	25.51
	PE Ratio without NRI	28.09
	Shiller PE Ratio	60.37
	Price-to-Owner-Earnings	31.39
	PEG Ratio	2.23
	PS Ratio	5.39
	PB Ratio	5.01
	Price-to-Free-Cash-Flow	26.06
	Price-to-Operating-Cash-Flow	23.95
	EV-to-EBIT	37.97
	EV-to-Forward-EBIT	18.25
	EV-to-EBITDA	26.27
	EV-to-Forward-EBITDA	17.36
	EV-to-Revenue	5.98
	EV-to-Forward-Revenue	5.51
	EV-to-FCF	28.89
	Price-to-Projected-FCF	2.37
	Price-to-DCF (Earnings Based)	1.16
	Price-to-DCF (FCF Based)	1.2
	Price-to-Median-PS-Value	2.49
	Price-to-Peter-Lynch-Fair-Value	2.27
	Earnings Yield (Greenblatt) %	2.63
	FCF Yield %	3.88
	Forward Rate of Return (Yacktman) %	15.17

GF Value: $230.55

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