WallStSmart

Aon PLC (AON)vsWillis Towers Watson PLC (WTW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Aon PLC generates 77% more annual revenue ($17.18B vs $9.71B). AON leads profitability with a 21.5% profit margin vs 16.5%. WTW appears more attractively valued with a PEG of 1.08. 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

WTW

Buy

62

out of 100

Grade: C+

Growth: 2.7Profit: 8.0Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 0.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AONUndervalued (+62.1%)

Margin of Safety

+62.1%

Fair Value

$818.53

Current Price

$327.03

$491.50 discount

UndervaluedFair: $818.53Overvalued
WTWSignificantly Overvalued (-153.5%)

Margin of Safety

-153.5%

Fair Value

$110.50

Current Price

$293.36

$182.86 premium

UndervaluedFair: $110.50Overvalued

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
$69.99B9/10

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

WTW3 strengths · Avg: 9.0/10
Operating MarginProfitability
35.4%10/10

Strong operational efficiency at 35.4%

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Areas to Watch

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

3.7% revenue growth

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

WTW3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

EPS GrowthGrowth
-38.2%2/10

Earnings declined 38.2%

Altman Z-ScoreHealth
0.912/10

Distress zone — elevated risk

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 : WTW

The strongest argument for WTW centers on Operating Margin, Return on Equity, P/E Ratio. Profitability is solid with margins at 16.5% and operating margin at 35.4%. PEG of 1.08 suggests the stock is reasonably priced for its growth.

Bear Case : AON

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

Bear Case : WTW

The primary concerns for WTW are Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

AON profiles as a value stock while WTW is a declining play — different risk/reward profiles.

AON carries more volatility with a beta of 0.83 — 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.

Bottom Line

AON scores higher overall (68/100 vs 62/100), backed by strong 21.5% margins. 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.

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.

Willis Towers Watson PLC

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.

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