Arthur J. Gallagher & Co. (AJG) Stock: Price, Forecast & Analyst Target
Arthur J. Gallagher & Co. (AJG) — MoonshotScore 55/100 (Fair band), calculated Oct 4, 2026. Price $226.11 (-2.46%), as of the Oct 2, 2026 trading session; market cap $58.1B. Expected results Oct 29, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 41.92× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 29, 2026
Arthur J. Gallagher & Co. · AJG · NYSE · Financial Services · Insurance - Brokers
Research dated 2026-09-12: Arthur J. Gallagher & Co. sells insurance placement, benefits consulting and claims administration rather than relying chiefly on underwriting risk. Its commission-heavy brokerage operation is complemented by contract claims work for businesses and public entities. Revenue is expanding, but the question is whether that growth can produce stronger operating profit and steadier cash generation.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Arthur J. Gallagher & Co. (AJG)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Middling on every pillar — nothing weak enough to single out, nothing strong enough to stand on, and the price trend has turned against it. Business Quality: Solid; Financial Safety: Sound; Valuation: Rich; Growth Durability: Flat; Momentum: Falling.
- quarterly revenue $4.00B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- expected results Oct 29, 2026
Holding back: weak price trend
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 58 | Fair | |
| 57 | Fair | |
| 58 | Fair | |
| 58 | Fair | |
| 56 | Fair | |
| 56 | Fair |
The score was 55 in the stored Oct 3, 2026 snapshot and remains 55 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Growth Durability -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $226.11 | |
| Change on the day | -2.46% | |
| 52-week range | $190.75 – $313.09 | |
| Market capitalisation | $58.1B | |
| Price / earnings (trailing) | 37.07 | |
| Shares traded on the day | 1.39M | |
| Beta (volatility vs the S&P 500) | 0.51 | |
| Dividends per share (last 12 months) | $2.75 | |
| Dividend yield (last 12 months) | 1.22% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for Arthur J. Gallagher & Co. (AJG): Bullish Lean
60/100 · B+Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the AJG film — every key number, told as a short cinematic story
~2 min · open the film
What is Arthur J. Gallagher & Co. (AJG), and what does it report?
Short answer · as of
Gallagher connects commercial organizations, public entities, nonprofits and individuals with insurance markets, while also advising on loss exposure and employer-sponsored benefits.
Research dated 2026-09-12.
Gallagher connects commercial organizations, public entities, nonprofits and individuals with insurance markets, while also advising on loss exposure and employer-sponsored benefits. Its wholesale brokerage, managing general agency and managing general underwriting activities help other brokers place specialized coverage and handle work ranging from policy issuance to premium collection and reinsurance negotiation.
Reported revenue therefore measures commissions, brokerage services, contingent compensation, investment performance and supplemental revenue—not insurance premiums retained as a carrier’s underwriting revenue. Risk Management adds contract claims settlement, claims administration, loss-control consulting and property appraisal, giving Gallagher a service line whose demand follows outsourced claims work rather than policy placement alone.
What do the latest results show for Arthur J. Gallagher & Co. (AJG)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $4.00B.
Research dated 2026-09-12.
Annual revenue continued its climb, yet net income advanced only modestly after a much stronger increase in the prior period. The latest quarter sharpened that disconnect: revenue rose markedly from the comparable period, while operating profit and net income declined.
The earnings release showed a small earnings beat alongside a revenue miss. Gallagher’s revenue mechanism remains anchored in commission-producing placements, broader brokerage activity, contingent compensation and administrative services; the latest figures show that additional revenue did not convert into better reported profitability.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $4.00B Jun 30, 2026
- Latest quarter · SG&A
- $2.33B Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $588.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $4.00B | Not available | $2.33B | $588.00M |
| Mar 31, 2026 | $4.76B | Not available | $0.00 | $1.22B |
| Dec 31, 2025 | $3.63B | Not available | $667.00M | $341.00M |
| Sep 30, 2025 | $3.37B | Not available | $2.63B | $536.60M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $3.96B Jul 30, 2026
- Latest report · revenue estimate
- $4.01B Jul 30, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 30, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 30, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 30, 2026 | $3.96B | $4.01B | $2.8400 | $2.8100 |
| Apr 30, 2026 | $4.72B | $4.73B | $4.4700 | $4.4300 |
| Jan 29, 2026 | $3.59B | $3.60B | $2.3800 | $2.3500 |
| Oct 30, 2025 | $3.37B | $3.34B | $2.3200 | $2.5100 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $4.00B | $323M | $1.25 (diluted) |
| Q1 FY2026 | $4.76B | $822M | $3.16 (diluted) |
| Q4 FY2025 | $3.63B | $151M | $0.58 (diluted) |
| Q3 FY2025 | $3.37B | $273M | $1.05 (diluted) |
What are the financial strengths and risks for Arthur J. Gallagher & Co. (AJG)?
Short answer
Cash and short-term investments were $1.39B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $10.00M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
Gallagher remains profitable, carries low debt relative to equity and has liquidity ratios slightly above parity. Cash and short-term investments sit below total debt, however, leaving a net debt position rather than a cash cushion beyond borrowings.
Cash generation has also been uneven. Operating cash flow was strong across much of the history but nearly vanished in the latest quarter, while the cash balance has moved sharply and declined across the reported window. A sustained pattern of rising revenue alongside weaker operating profit or cash conversion would be the clearest financial break in the story.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of 1.05 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 37.07 runs well above the Financial Services sector’s ~17.20x, leaving little room for a miss.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $10.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $957.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $10.00M | −$51.00M |
| Mar 31, 2026 | $957.00M | −$36.00M |
| Dec 31, 2025 | $753.00M | −$39.60M |
| Sep 30, 2025 | $731.30M | −$37.80M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Arthur J. Gallagher & Co. (AJG)?
Short answer · as of
The next earnings report is expected on Oct 29, 2026.
Research dated 2026-09-12.
At Gallagher’s scheduled earnings release, watch whether revenue returns to the trajectory embedded in analyst estimates and whether earnings again prove more resilient than the sales result. Recent history contains repeated earnings beats, but the latest revenue shortfall and weaker operating conversion make the relationship between growth and profit more important than either headline alone.
Cash flow needs its own confirmation after the abrupt latest slowdown. Segment disclosures should also reveal whether commission and brokerage activity remain the expansion engine or whether contingent, investment-performance and supplemental revenue are carrying more of the change.
How does Arthur J. Gallagher & Co. compare with its peers?
Short answer
Arthur J. Gallagher & Co.'s score ranks 7th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Gallagher differs from a pure retail insurance broker because its brokerage operation also serves other brokers seeking specialized or hard-to-place coverage through wholesale, managing general agency and managing general underwriting capabilities. Those functions extend into policy issuance, premium collection, agent oversight, claims payment and reinsurance negotiation.
It also differs from a carrier whose economics center on retaining underwriting risk. Gallagher’s reported mix is led by commissions and service revenue, while Risk Management supplies outsourced claims administration, loss control and appraisal work. That combination ties performance to insurance distribution and claims-service demand without making consolidated revenue a direct measure of premiums underwritten for Gallagher’s own account.
| Company | Price | Market value | Score |
|---|---|---|---|
| $288.61 Oct 2, 2026 | $26.8B | 82 5-pillar Oct 4, 2026 | |
| $24.61 Oct 2, 2026 | $320M | 75 5-pillar Oct 4, 2026 | |
| $269.45 Oct 2, 2026 | $57.2B | 72 5-pillar Oct 4, 2026 | |
| $221.09 Oct 2, 2026 | $10.2B | 67 5-pillar Oct 4, 2026 | |
| $80.45 Oct 2, 2026 | $243B | 61 5-pillar Oct 4, 2026 | |
| $59.91 Oct 2, 2026 | $20.1B | 61 5-pillar Oct 4, 2026 | |
| Arthur J. Gallagher & Co. (AJG) — this page | $226.11 | $58.1B | 55 |
| $25.40 Oct 2, 2026 | $161B | 53 5-pillar Oct 4, 2026 | |
| $75.47 Oct 2, 2026 | $3.85B | 47 5-pillar Oct 4, 2026 | |
| $0.41 Oct 2, 2026 | $72.5M | 46 5-pillar Oct 4, 2026 | |
| $1.33 Oct 2, 2026 | — | 46 5-pillar Oct 4, 2026 | |
| $22.34 Oct 2, 2026 | $115B | 45 5-pillar Oct 4, 2026 | |
| $31.77 Oct 2, 2026 | $2.58B | 27 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $225.00 – $300.00
- Consensus target
- $285.09
- Median target
- $292.00
Consensus record · Captured .
Measured against a quoted price of $226.11 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026
- Transactions
- 35
- Identified insiders
- 19
- Purchases
- 0
- Sales
- 5
- Other transactions
- 30
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 93.7% Period end Jun 30, 2026
- Previous quarter · ownership
- 89.3% Prior to period end Jun 30, 2026
- Reporting holders
- 1,326 Period end Jun 30, 2026
- Previous quarter · holders
- 1,280 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 19,822,870 |
| Fmr LLC | 18,645,620 |
| Vanguard Capital Management LLC | 16,777,183 |
| Jpmorgan Chase & Co | 14,356,764 |
| Capital World Investors | 12,511,991 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Arthur J. Gallagher & Co. (AJG)?
- RBC Capital Maintains Outperform on Arthur J. Gallagher, Lowers Price Target to $290
- Wells Fargo Maintains Overweight on Arthur J. Gallagher, Lowers Price Target to $291
- Arthur J. Gallagher (AJG) Expands Iberia Deal Insurance Team, Is The Stock Still Undervalued?
- RBC Cuts Price Target on Arthur J. Gallagher to $290 From $310, Keeps Outperform Rating
AJG Financial Services Stock FAQ
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
What does Gallagher’s Risk Management segment actually sell?
Risk Management performs contract claims settlement and administration for businesses and public-sector organizations. It also provides claims management, loss-control consulting and independent property appraisals.
Why are commissions so important to Gallagher’s business model?
Commissions are Gallagher’s largest reported revenue stream because much of the company’s work involves placing coverage and connecting clients or other brokers with underwriting firms. Contingent compensation, investment performance and supplemental revenue add other sources, but they do not replace brokerage as the economic core.
Does Gallagher operate like an insurance carrier?
Gallagher’s economics center on brokerage, consulting and administration rather than premiums retained from underwriting for its own account. Its managing general agency and underwriting activities perform important distribution and policy functions for underwriting firms.
Why did Gallagher’s latest revenue growth not produce higher profit?
The latest quarter paired markedly higher revenue with lower operating profit and net income than the comparable period. The result establishes weaker conversion of sales into reported profit, while the next filings will determine whether that divergence persists.
What is the AJG stock price today?
The last price recorded on this page for Arthur J. Gallagher & Co. (AJG) is $226.11, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the AJG price target?
The analyst consensus price target for Arthur J. Gallagher & Co. (AJG) is $285.09 (range $225.00 to $300.00, median $292.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are AJG's next earnings?
The next earnings date listed on this page for Arthur J. Gallagher & Co. (AJG) is Oct 29, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (80 figures)
The 80 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Rolling Meadows, IL | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "2850 Golf Road, Rolling Meadows, IL, 60008-4050, US". |
FMP — 68 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $226.11 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T17:14:32.923Z. | |
px.change | Change on the day | -2.46% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $58.1B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:53.000Z. Captured from FMP at 2026-10-04T17:14:31.986Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$5.71 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $4.00B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 37.07 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.39M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.51 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | J. Patrick Gallagher Jr. | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 67,456 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $8.21B, net result $906.80M; FY2022 revenue $8.55B, net result $1.11B; FY2023 revenue $10.07B, net result $969.50M; FY2024 revenue $11.55B, net result $1.46B; FY2025 revenue $13.94B, net result $1.49B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Commissions $8.02B · Brokerage Segment $4.20B · Contingent Revenue $324.00M · Investment Performance $769.00M · Supplemental Revenue Member $466.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 74.6% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $4.00B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $2.33B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $588.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $4.76B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $1.22B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $3.63B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $667.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $341.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $3.37B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $2.63B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $536.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-30.revenue_actual | Revenue · reported — report date 2026-07-30 | $3.96B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.revenue_estimated | Revenue · estimate — report date 2026-07-30 | $4.01B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_actual | EPS · reported — report date 2026-07-30 | $2.8400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_estimated | EPS · estimate — report date 2026-07-30 | $2.8100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_actual | Revenue · reported — report date 2026-04-30 | $4.72B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_estimated | Revenue · estimate — report date 2026-04-30 | $4.73B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_actual | EPS · reported — report date 2026-04-30 | $4.4700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_estimated | EPS · estimate — report date 2026-04-30 | $4.4300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.revenue_actual | Revenue · reported — report date 2026-01-29 | $3.59B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.revenue_estimated | Revenue · estimate — report date 2026-01-29 | $3.60B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.eps_actual | EPS · reported — report date 2026-01-29 | $2.3800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.eps_estimated | EPS · estimate — report date 2026-01-29 | $2.3500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_actual | Revenue · reported — report date 2025-10-30 | $3.37B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_estimated | Revenue · estimate — report date 2025-10-30 | $3.34B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_actual | EPS · reported — report date 2025-10-30 | $2.3200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_estimated | EPS · estimate — report date 2025-10-30 | $2.5100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $1.39B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $10.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $0.00 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $2.02B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 2.45× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $10.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $957.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$51.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$36.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $753.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$39.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $731.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$37.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $225.00 – $300.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $285.09 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $292.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 35 transactions · 0 purchases, 5 sales, 30 other transactions · 19 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 93.7% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 89.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1,326 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,280 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 19,822,870 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Fmr LLC — shares in provider snapshot | 18,645,620 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Capital Management LLC — shares in provider snapshot | 16,777,183 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Jpmorgan Chase & Co — shares in provider snapshot | 14,356,764 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Capital World Investors — shares in provider snapshot | 12,511,991 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 4 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 29, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-08-16 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-02 · Expired observation | |
px.range52 | 52-week range | $190.75 – $313.09 | UNRECORDED | Stored company-profile observation — Captured 2026-10-05 | |
fin.scores | Distress and quality screens | Altman Z 1.05 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 41.92× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $1.39B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $2.75 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.22% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-30.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($3.96B) with the recorded estimate ($4.01B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-30.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($2.8400) with the recorded estimate ($2.8100) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 55 of 100 · Fair · pillars 67 / 66 / 35 / 44 / 17 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 55 (stored snapshot Oct 3, 2026) → 55 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-30. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-30.revenue_actual,earn.history.depth.2026-07-30.revenue_estimated,earn.history.depth.2026-07-30.revenue_actual.comparison,earn.history.depth.2026-07-30.eps_actual.comparison,earn.history.depth.2026-07-30.eps_actual,earn.history.depth.2026-07-30.eps_estimated,earn.history.depth.2026-04-30.revenue_actual,earn.history.depth.2026-04-30.revenue_estimated,earn.history.depth.2026-04-30.eps_actual,earn.history.depth.2026-04-30.eps_estimated,earn.history.depth.2026-01-29.revenue_actual,earn.history.depth.2026-01-29.revenue_estimated,earn.history.depth.2026-01-29.eps_actual,earn.history.depth.2026-01-29.eps_estimated,earn.history.depth.2025-10-30.revenue_actual,earn.history.depth.2025-10-30.revenue_estimated,earn.history.depth.2025-10-30.eps_actual,earn.history.depth.2025-10-30.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | Arthur J. Gallagher & Co. | 2026-02-17 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-17 |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Brokers The company's SEC filings classify it under SIC 6411 — Insurance Agents, Brokers & Service. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Business description | Arthur J. Gallagher & Co., alongside its various subsidiaries, operates globally, providing a wide array of services that encompass insurance brokerage, expert consulting, and outsourced claims settlement and administration. Its geographic reach extends across the United States, Australia, Bermuda, Canada, the Caribbean, New Zealand, India, and the United Kingdom. The company's business model is divided into two primary segments: Brokerage and Risk Management. The Brokerage division manages both retail and wholesale insurance operations. It also supports other brokers, including independent ones, in securing specialized or hard-to-place insurance coverage. This segment functions as a wholesale broker, managing general agent (MGA), and managing general underwriter (MGU) to distribute tailored insurance products to underwriting firms. Key activities within this segment include marketing, underwriting, policy issuance, premium collection, agent recruitment and supervision, claims payment, and reinsurance negotiations. It delivers essential brokerage and consulting solutions to a diverse client base, from commercial businesses, non-profit organizations, and public entities to individuals, specializing in insurance placement, managing loss exposure, and overseeing employer-sponsored benefit programs. The Risk Management segment focuses on offering contract-based claims settlement and administration services to businesses and public sector organizations. Its services also include comprehensive claims management, specialized loss control consulting, and independent insurance property appraisals. Arthur J. Gallagher & Co. delivers its extensive services through a broad network of associated insurance brokers and consultants. Its clientele is varied, serving commercial, industrial, public, religious, and non-profit organizations. The company was founded in 1927 and maintains its corporate headquarters in Rolling Meadows, Illinois. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Commissions: $8.02B; Brokerage Segment: $4.20B; Contingent Revenue: $324.00M; Investment Performance: $769.00M; Supplemental Revenue Member: $466.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-30 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 1.05; Current ratio: 1.05; Debt to equity: 0.09; Net margin: 10%; Gross margin: 74.6%; Operating margin: 17%; Return on assets: 1.9%; Return on equity: 6.7% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $2.02B; Liquidity basis: cash and short-term investments; Total liabilities: $58.06B; Cash and short-term investments: $1.39B; Cash and investments: $1.39B; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $1.39B; Cash and short-term investments: $1.39B; Long-term investments: $0; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: -$631.00M; Total debt: $2.02B; Cash and investments: $1.39B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Cash decline over the reported window | To: 2026-06-30; From: 2024-09-30; Periods: 7; Cash basis: cash and short-term investments; Closing balance: $1.39B; Decline: $656.50M; Opening balance: $2.04B; Average change per period: $93.80M Change in cash, cash equivalents and short-term investments between the 2024-09-30 and 2026-06-30 balance sheets.; This is a balance change, not operating burn: financing and investing move it too.; Averaged over 7 reporting periods of unequal length. | 2026-06-30 | COMPUTED | Computed from reported balances |
| Distress and quality screens | Altman Z-score: 1.08; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. For a company holding large cash against negative retained earnings the score mostly reflects the retained-earnings term. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-29; EPS estimate: $3.04 per share; Revenue estimate: $4.05B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Most recent periodic reports | 2026-08-05 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.