WallStSmart

Aon PLC (AON)vsCorVel Corp (CRVL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Aon PLC generates 1725% more annual revenue ($17.18B vs $941.49M). AON leads profitability with a 21.5% profit margin vs 11.2%. AON trades at a lower P/E of 18.9x. AON earns a higher WallStSmart Score of 68/100 (B-).

AON

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.5Value: 7.3Quality: 4.3
Piotroski: 5/9Altman Z: 0.82

CRVL

Hold

45

out of 100

Grade: D+

Growth: 5.3Profit: 7.5Value: 5.7Quality: 8.0
Piotroski: 5/9Altman Z: 5.95
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AONUndervalued (+61.0%)

Margin of Safety

+61.0%

Fair Value

$795.60

Current Price

$321.45

$474.15 discount

UndervaluedFair: $795.60Overvalued
CRVLSignificantly Overvalued (-121.1%)

Margin of Safety

-121.1%

Fair Value

$21.05

Current Price

$52.25

$31.20 premium

UndervaluedFair: $21.05Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AON6 strengths · Avg: 9.3/10
Return on EquityProfitability
46.9%10/10

Every $100 of equity generates 47 in profit

Operating MarginProfitability
31.4%10/10

Strong operational efficiency at 31.4%

EPS GrowthGrowth
138.3%10/10

Earnings expanding 138.3% YoY

Market CapQuality
$69.09B9/10

Large-cap with strong market position

Profit MarginProfitability
21.5%9/10

Keeps 22 of every $100 in revenue as profit

Free Cash FlowQuality
$1.32B8/10

Generating 1.3B in free cash flow

CRVL3 strengths · Avg: 9.7/10
Return on EquityProfitability
31.3%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
5.9510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Areas to Watch

AON3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

PEG RatioValuation
2.592/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

CRVL3 concerns · Avg: 4.0/10
P/E RatioValuation
25.6x4/10

Moderate valuation

Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

EPS GrowthGrowth
2.2%4/10

2.2% earnings growth

Comparative Analysis Report

WallStSmart Research

Bull Case : AON

The strongest argument for AON centers on Return on Equity, Operating Margin, EPS Growth. Profitability is solid with margins at 21.5% and operating margin at 31.4%.

Bull Case : CRVL

The strongest argument for CRVL centers on Return on Equity, Altman Z-Score, Debt/Equity.

Bear Case : AON

The primary concerns for AON are Revenue Growth, PEG Ratio, Altman Z-Score.

Bear Case : CRVL

The primary concerns for CRVL are P/E Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

CRVL carries more volatility with a beta of 1.11 — expect wider price swings.

AON is growing revenue faster at 3.7% — sustainability is the question.

AON generates stronger free cash flow (1.3B), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AON scores higher overall (68/100 vs 45/100), backed by strong 21.5% margins. 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.

Aon PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Aon plc is a multinational professional services firm that sells a range of financial risk-mitigation products, including insurance, pension administration, and health-insurance plans.

CorVel Corp

FINANCIAL SERVICES · INSURANCE BROKERS · USA

CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.

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