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AJG

SELL

Arthur J. Gallagher & Co.

Financial Services · Rank #279 · Analyzed Apr 20, 2026

$221.61

Current Price

$123.43

Intrinsic Value

-33.2%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree
Quality Score2/5.0
Framework RatingSELL
Price vs Intrinsic ValueOvervalued by 33.2%

Fair Value Range

Low$67.64
Base (IV)$123.43
High$148.11

Entry Points

Conservative$67.64
Moderate$95.53
Aggressive$123.43

⚠️ Warnings

  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity6.9% → 0/1.0
Debt LevelD/E 58 → 0.5/1.0
Revenue QualityGrowth 19.9%, margin Δ+1.1% +recovery → 1.0/1.0
Moat Strength1.5/5 → 0/1.0
Profit Margins11.5% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.