WallStSmart

Arthur J Gallagher & Co (AJG)vseHealth Inc (EHTH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arthur J Gallagher & Co generates 2912% more annual revenue ($15.11B vs $501.69M). AJG leads profitability with a 10.4% profit margin vs 5.4%. EHTH appears more attractively valued with a PEG of 0.72. AJG earns a higher WallStSmart Score of 62/100 (C+).

AJG

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 5.5Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.76

EHTH

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 4.0Value: 6.0Quality: 8.0
Piotroski: 2/9Altman Z: 2.90

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AJG5 strengths · Avg: 9.0/10
Revenue GrowthGrowth
30.9%10/10

Revenue surging 30.9% year-over-year

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Market CapQuality
$61.60B9/10

Large-cap with strong market position

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EHTH3 strengths · Avg: 9.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Areas to Watch

AJG4 concerns · Avg: 2.8/10
P/E RatioValuation
39.9x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
6.6%3/10

ROE of 6.6% — below average capital efficiency

EPS GrowthGrowth
-10.7%2/10

Earnings declined 10.7%

Free Cash FlowQuality
$-41.00M2/10

Negative free cash flow — burning cash

EHTH4 concerns · Avg: 3.0/10
Market CapQuality
$35.87M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : AJG

The strongest argument for AJG centers on Revenue Growth, Debt/Equity, Market Cap. Revenue growth of 30.9% demonstrates continued momentum. PEG of 0.72 suggests the stock is reasonably priced for its growth.

Bull Case : EHTH

The strongest argument for EHTH centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.72 suggests the stock is reasonably priced for its growth.

Bear Case : AJG

The primary concerns for AJG are P/E Ratio, Return on Equity, EPS Growth.

Bear Case : EHTH

The primary concerns for EHTH are Market Cap, Return on Equity, Profit Margin.

Key Dynamics to Monitor

AJG profiles as a growth stock while EHTH is a value play — different risk/reward profiles.

EHTH carries more volatility with a beta of 1.53 — expect wider price swings.

AJG is growing revenue faster at 30.9% — sustainability is the question.

EHTH generates stronger free cash flow (30M), providing more financial flexibility.

Bottom Line

AJG scores higher overall (62/100 vs 48/100) and 30.9% revenue growth. Both earn "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.

eHealth Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China. The company is headquartered in Santa Clara, California.

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