Arthur J. Gallagher & (AJG) stock: Winston Score and insider trades

§Winston Score History

Arthur J. Gallagher & Co. is an insurance brokerage and risk management company. It helps businesses and organizations find and buy insurance — acting as the middleman between clients and insurance companies. It serves a wide range of customers, from small businesses to large corporations and public institutions, across property, casualty, employee benefits, and specialty insurance markets.

The company earns money primarily through commissions and fees paid when it places insurance policies for clients, rather than taking on insurance risk itself. It operates across the United States and internationally, with a growing presence in the UK, Australia, and Canada, making it one of the largest insurance brokers in the world. Gallagher has built a strong competitive position through an aggressive acquisition strategy, steadily buying smaller regional brokers to expand its client base and geographic reach. The main risk is that this acquisition-heavy growth model depends on continued access to affordable capital and successful integration of purchased firms.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+24.3% YoY

YoY Growth Rate

Steady revenue growth

Reported EPS Growth

-11.9% YoY

Quarterly reporting periods ended:

30 Jun 2025: $1.43

30 Jun 2026: $1.26

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS decreased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~8 years

$1.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$1.4B cash & investments at current burn rate

Growth context

Arthur J. Gallagher & is growing revenue at 24% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

80.9%

Premium pricing power — 80.9% gross margin

Profit after running costs

Operating Margin

14.7%

Healthy — 14.7% operating margin

Return on the money invested

ROCE

10.4%

Below par — 10.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+26.3%

Fast-growing sales (+26.3% YoY)

Profit growth

EPS YoY

-9.8%

Earnings shrinking (-9.8% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

156%

Turns 156% of profit into real cash

Spare cash per sale

FCF Margin

14.5%

Converts sales into free cash efficiently (14.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.09

Conservative — low debt load (0.09)

Covers its interest

Interest Cover

4.14x

Adequate interest coverage (4.1x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

43.9x

Pricey — P/E 43.9

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+26.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (43.9 → 17.6)

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Dividends

Dividend

Dividend Yield

1.21%

Small dividend — 1.21% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+7.8%

Dividend growing modestly (7.8% YoY)

Payout Ratio

44%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Arthur J. Gallagher &

§How the score breaks down

Share count rising — dilution

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends