Arthur J Gallagher & Co (AJG)vsThe Baldwin Insurance Group, Inc. (BWIN)
AJG
Arthur J Gallagher & Co
$202.50
-1.32%
FINANCIAL SERVICES · Cap: $52.87B
BWIN
The Baldwin Insurance Group, Inc.
$19.88
+3.33%
FINANCIAL SERVICES · Cap: $1.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Arthur J Gallagher & Co generates 774% more annual revenue ($14.20B vs $1.62B). AJG leads profitability with a 11.4% profit margin vs -2.8%. AJG earns a higher WallStSmart Score of 72/100 (B).
AJG
Strong Buy72
out of 100
Grade: B
BWIN
Hold39
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 34.6% year-over-year
Conservative balance sheet, low leverage
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 28.4%
Reasonable price relative to book value
Revenue surging 28.7% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
ROE of 6.8% — below average capital efficiency
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -4.7% — below average capital efficiency
Earnings declined 90.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : AJG
The strongest argument for AJG centers on Revenue Growth, Debt/Equity, Market Cap. Revenue growth of 34.6% demonstrates continued momentum. PEG of 0.88 suggests the stock is reasonably priced for its growth.
Bull Case : BWIN
The strongest argument for BWIN centers on Price/Book, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum.
Bear Case : AJG
The primary concerns for AJG are P/E Ratio, Return on Equity, Altman Z-Score.
Bear Case : BWIN
The primary concerns for BWIN are Market Cap, Piotroski F-Score, Return on Equity. Debt-to-equity of 2.67 is elevated, increasing financial risk.
Key Dynamics to Monitor
BWIN carries more volatility with a beta of 1.15 — expect wider price swings.
AJG is growing revenue faster at 34.6% — sustainability is the question.
AJG generates stronger free cash flow (921M), providing more financial flexibility.
Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AJG scores higher overall (72/100 vs 39/100) and 34.6% revenue growth. Both earn "Strong Buy" and "Hold" 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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