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AJG · NYSE · United States · Insurance Agents, Brokers & Service
In shortArthur J. Gallagher & Co. is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 10.7% | 63/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 6.9% | 34/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 12.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.19× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 6.4% | 88/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 17.7% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 3.4% | 42/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 8,209 | 8,551 | 10,072 | 11,555 | 13,942 |
| Cost of revenue | 1,173 | 23 | – | – | – |
| Gross profit | 7,036 | 8,528 | – | – | – |
| Interest expense | 226 | 257 | 297 | 381 | 639 |
| Pre-tax income | 975 | 1,327 | 1,185 | 1,875 | 1,871 |
| Income tax | 20 | 211 | 219 | 404 | 368 |
| Net income | 907 | 1,114 | 970 | 1,463 | 1,494 |
| Diluted EPS | $4.37 | $5.19 | $4.42 | $6.50 | $5.74 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Arthur J. Gallagher & Co. are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 5, 2026