Arthur J Gallagher & Co (AJG)vsThe Baldwin Insurance Group, Inc. (BWIN)
AJG
Arthur J Gallagher & Co
$213.56
-1.26%
FINANCIAL SERVICES · Cap: $54.91B
BWIN
The Baldwin Insurance Group, Inc.
$21.24
-3.85%
FINANCIAL SERVICES · Cap: $2.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Arthur J Gallagher & Co generates 764% more annual revenue ($13.01B vs $1.50B). AJG leads profitability with a 11.5% profit margin vs -2.3%. AJG earns a higher WallStSmart Score of 60/100 (C).
AJG
Buy60
out of 100
Grade: C
BWIN
Avoid32
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-426.0%
Fair Value
$39.03
Current Price
$213.56
$174.53 premium
Intrinsic value data unavailable for BWIN.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 36.7% year-over-year
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
ROE of 6.9% — below average capital efficiency
Earnings declined 48.3%
Distress zone — elevated risk
Weak financial health signals
ROE of -5.2% — below average capital efficiency
Earnings declined 39.4%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AJG
The strongest argument for AJG centers on Revenue Growth, Market Cap, PEG Ratio. Revenue growth of 36.7% demonstrates continued momentum. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : BWIN
The strongest argument for BWIN centers on Price/Book.
Bear Case : AJG
The primary concerns for AJG are P/E Ratio, Return on Equity, EPS Growth.
Bear Case : BWIN
The primary concerns for BWIN are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
AJG profiles as a growth stock while BWIN is a turnaround play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.31 — expect wider price swings.
AJG is growing revenue faster at 36.7% — sustainability is the question.
AJG generates stronger free cash flow (713M), providing more financial flexibility.
Bottom Line
AJG scores higher overall (60/100 vs 32/100) and 36.7% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Arthur J Gallagher & Co
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Arthur J. Gallagher & Co. (AJG) is an American global insurance brokerage and risk management services firm headquartered in Rolling Meadows, Illinois.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
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