Arthur J Gallagher & Co (AJG)vsCrawford & Company (CRD-A)
AJG
Arthur J Gallagher & Co
$288.38
+0.27%
FINANCIAL SERVICES · Cap: $70.79B
CRD-A
Crawford & Company
$11.94
+5.66%
FINANCIAL SERVICES · Cap: $580.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Arthur J Gallagher & Co generates 1123% more annual revenue ($15.43B vs $1.26B). AJG leads profitability with a 11.0% profit margin vs 1.9%. CRD-A appears more attractively valued with a PEG of 0.91. AJG earns a higher WallStSmart Score of 70/100 (B-).
AJG
Strong Buy70
out of 100
Grade: B-
CRD-A
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Large-cap with strong market position
Growing faster than its price suggests
Revenue surging 25.9% year-over-year
Earnings expanding 49.0% YoY
Earnings expanding 76.1% YoY
Growing faster than its price suggests
Areas to Watch
ROE of 6.6% — below average capital efficiency
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Distress zone — elevated risk
Moderate valuation
Smaller company, higher risk/reward
1.9% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AJG
The strongest argument for AJG centers on Debt/Equity, Market Cap, PEG Ratio. Revenue growth of 25.9% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : CRD-A
The strongest argument for CRD-A centers on EPS Growth, PEG Ratio. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : AJG
The primary concerns for AJG are Return on Equity, P/E Ratio, Free Cash Flow. A P/E of 42.1x leaves little room for execution misses.
Bear Case : CRD-A
The primary concerns for CRD-A are P/E Ratio, Market Cap, Profit Margin. Thin 1.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
AJG profiles as a growth stock while CRD-A is a value play — different risk/reward profiles.
CRD-A carries more volatility with a beta of 0.62 — expect wider price swings.
AJG is growing revenue faster at 25.9% — sustainability is the question.
CRD-A generates stronger free cash flow (12M), providing more financial flexibility.
Bottom Line
AJG scores higher overall (70/100 vs 55/100) and 25.9% revenue growth. Both earn "Strong Buy" and "Buy" 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.
Crawford & Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.
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