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Market Price

88.01 

-2.86 -3.2%

as of Aug 23 '19

52 Week Range:

68.19 92.74


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Arthur J. Gallagher & Co., together with its subsidiaries, provides insurance brokerage, consulting, and third party claims settlement and administration services to entities in the United States and internationally. Its Brokerage segment consists of retail and wholesale insurance brokerage operations. It offers brokerage and consulting services to businesses and organizations, including commercial, not-for-profit, and public entities, as well as individuals in the areas of insurance placement, risk of loss management, and management of employer sponsored benefit programs. This segment also assist retail brokers and other non-affiliated brokers in the placement of specialized and hard-to-place insurance; acts as a brokerage wholesaler, and managing general agent or managing general underwriter distributing specialized insurance coverage's for underwriting enterprises; and performs activities, including marketing, underwriting, issuing policies, collecting premiums, appointing and supervising other agents, paying claims, and negotiating reinsurance. The company's Risk Management segment provides contract claim settlement and administration services for enterprises and public entities; and claims management, loss control consulting, and insurance property appraisal services. The company offers its services through a network of correspondent insurance brokers and consultants. Arthur J. Gallagher & Co. was founded in 1927 and is headquartered in Rolling Meadows, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.66
8.71
10.21
10.63
13.21
14.46
19.78
20.65
20.68
22.71
24.70
growth rate 13.7% 17.2% 4.1% 24.3% 9.5% 36.8% 4.4% 0.2% 9.8% 8.8%
Earnings BIT 163.60
211.10
203.00
207.80
245.30
274.50
428.70
493.00
496.20
536.60
631.00
growth rate 29.0% -3.8% 2.4% 18.1% 11.9% 56.2% 15.0% 0.7% 8.1% 17.6%
Avg.PE 21.98
17.06
18.66
26.11
21.79
22.78
24.64
18.68
24.54
25.57
23.50
growth rate -22.4% 9.4% 39.9% -16.6% 4.5% 8.2% -24.2% 31.4% 4.2% -8.1%
ROA 2.26
3.94
5.09
3.57
3.97
4.40
3.60
3.41
3.70
3.80
4.33
growth rate 74.3% 29.2% -29.9% 11.2% 10.8% -18.2% -5.3% 8.5% 2.7% 14.0%
ROE 10.63
15.77
17.41
12.26
13.44
14.35
11.42
10.39
11.46
12.03
14.73
growth rate 48.4% 10.4% -29.6% 9.6% 6.8% -20.4% -9.0% 10.3% 5.0% 22.4%
ROIC 6.14
11.36
13.03
14.55
10.21
10.49
8.83
8.42
8.79
9.16
10.80
growth rate 85.0% 14.7% 11.7% -29.8% 2.7% -15.8% -4.6% 4.4% 4.2% 17.9%
Cur. Ratio 0.92
1.04
1.09
1.06
1.03
0.88
1.05
1.03
0.96
1.05
1.06
growth rate 13.0% 4.8% -2.8% -2.8% -14.6% 19.3% -1.9% -6.8% 9.4% 1.0%
Quick Ratio 0.55
0.61
0.63
0.64
0.59
0.48
0.62
0.65
0.64
0.70
0.83
growth rate 10.9% 3.3% 1.6% -7.8% -18.6% 29.2% 4.8% -1.5% 9.4% 18.6%
Leverage 4.43
3.64
3.25
3.61
3.22
3.29
3.10
3.00
3.19
3.14
3.63
growth rate -17.8% -10.7% 11.1% -10.8% 2.2% -5.8% -3.2% 6.3% -1.6% 15.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 826.50
693.70
750.10
1,027.10
1,096.10
1,288.80
1,722.30
2,023.20
2,158.90
4,484.10
5,365.90
growth rate -16.1% 8.1% 36.9% 6.7% 17.6% 33.6% 17.5% 6.7% 107.7% 19.7%
Acct.Payable 1,926.00
2,126.40
2,525.30
2,623.30
2,877.10
2,996.10
4,986.00
5,740.20
growth rate 10.4% 18.8% 3.9% 9.7% 4.1% 66.4% 15.1%
Cur.Assets 1,702.00
1,540.00
1,726.00
2,199.40
2,429.50
2,875.60
3,811.20
4,213.70
4,416.10
7,269.40
8,118.70
growth rate -9.5% 12.1% 27.4% 10.5% 18.4% 32.5% 10.6% 4.8% 64.6% 11.7%
Total Assets 3,271.30
3,250.30
3,596.00
4,483.50
5,352.30
6,860.50
10,010.00
10,910.50
11,489.60
14,909.70
16,334.00
growth rate -0.6% 10.6% 24.7% 19.4% 28.2% 45.9% 9.0% 5.3% 29.8% 9.6%
Cash 194.40
205.90
249.80
983.70
1,153.70
1,325.50
314.40
480.40
545.50
681.20
607.20
growth rate 5.9% 21.3% 293.8% 17.3% 14.9% -76.3% 52.8% 13.6% 24.9% -10.9%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 1,858.60
1,474.40
1,577.30
2,073.60
2,362.90
3,284.80
3,642.70
4,187.10
4,611.70
6,730.20
7,693.60
growth rate -20.7% 7.0% 31.5% 14.0% 39.0% 10.9% 14.9% 10.1% 45.9% 14.3%
Liabilities 2,532.80
2,357.40
2,489.30
3,239.90
3,693.70
4,775.00
6,704.90
7,222.30
7,833.80
10,610.00
11,764.30
growth rate -6.9% 5.6% 30.2% 14.0% 29.3% 40.4% 7.7% 8.5% 35.4% 10.9%
LT Debt 400.00
550.00
550.00
2,296.90
2,544.70
2,979.70
2,125.00
2,071.70
2,144.60
2,691.90
3,091.40
growth rate 37.5% 0.0% 317.6% 10.8% 17.1% -28.7% -2.5% 3.5% 25.5% 14.8%
Equity 738.50
892.90
1,106.70
1,243.60
1,658.60
2,085.50
3,229.40
3,638.30
3,596.60
4,235.60
4,498.90
growth rate 20.9% 23.9% 12.4% 33.4% 25.7% 54.9% 12.7% -1.2% 17.8% 6.2%
Common Shares 94.00
100.00
105.00
113.00
123.00
131.00
154.00
173.00
178.00
182.00
186.00
growth rate 6.4% 5.0% 7.6% 8.9% 6.5% 17.6% 12.3% 2.9% 2.3% 2.2%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 32.00
23.50
25.10
45.90
51.00
93.60
81.50
99.00
217.80
129.20
124.40
growth rate -26.6% 6.8% 82.9% 11.1% 83.5% -12.9% 21.5% 120.0% -40.7% -3.7%
Cash Dividends 118.50
127.90
133.50
145.80
204.40
182.60
223.10
257.50
272.20
282.70
301.80
growth rate 7.9% 4.4% 9.2% 40.2% -10.7% 22.2% 15.4% 5.7% 3.9% 6.8%
Cash From OA 160.60
211.50
229.50
284.00
343.00
372.50
436.60
686.10
649.60
854.20
765.10
growth rate 31.7% 8.5% 23.8% 20.8% 8.6% 17.2% 57.2% -5.3% 31.5% -10.4%
FCF per Share 1.37
1.87
1.96
1.49
2.38
2.78
1.51
2.21
3.08
2.98
3.45
growth rate 36.5% 4.8% -24.0% 59.7% 16.8% -45.7% 46.4% 39.4% -3.3% 15.8%
Sale Purchase of Stock 72.70
80.80
53.60
997.00
203.30
45.60
60.40
growth rate 11.1% -33.7% 1,760.1% -79.6% -77.6% 32.5%
FCF 128.00
188.00
206.00
243.00
292.00
256.00
321.00
554.00
404.00
725.00
641.00
growth rate 46.9% 9.6% 18.0% 20.2% -12.3% 25.4% 72.6% -27.1% 79.5% -11.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,645.00
1,729.30
1,864.20
2,134.70
2,520.30
3,179.60
4,559.50
5,301.00
5,489.50
6,050.90
6,711.20
growth rate 5.1% 7.8% 14.5% 18.1% 26.2% 43.4% 16.3% 3.6% 10.2% 10.9%
Op.Income 163.60
211.10
203.00
144.10
195.00
284.60
428.70
493.00
496.20
536.60
631.00
growth rate 29.0% -3.8% -29.0% 35.3% 46.0% 50.6% 15.0% 0.7% 8.1% 17.6%
IBT 163.60
211.10
203.00
207.80
245.30
291.00
291.50
293.50
333.60
359.80
479.40
growth rate 29.0% -3.8% 2.4% 18.1% 18.6% 0.2% 0.7% 13.7% 7.9% 33.2%
Net Income 77.30
128.60
174.10
144.10
195.00
284.60
303.40
356.80
396.80
481.30
633.50
growth rate 66.4% 35.4% -17.2% 35.3% 46.0% 6.6% 17.6% 11.2% 21.3% 31.6%
EPS 0.82
1.28
1.66
1.28
1.59
2.06
1.97
2.06
2.22
2.64
3.40
growth rate 56.1% 29.7% -22.9% 24.2% 29.6% -4.4% 4.6% 7.8% 18.9% 28.8%
Gross Profit 1,263.80
660.60
682.70
2,134.70
2,520.30
3,179.60
1,387.40
1,584.50
1,583.70
1,706.60
1,922.20
growth rate -47.7% 3.4% 212.7% 18.1% 26.2% -56.4% 14.2% -0.1% 7.8% 12.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 128.50
140.70
84.60
302.80
158.50
growth rate 9.5% -39.9% 257.9% -47.7%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 5,567.10
5,332.80
5,365.90
6,673.50
6,493.50
growth rate -4.2% 0.6% 24.4% -2.7%
Acct.Payable 5,982.70
5,693.60
5,740.20
6,741.40
6,873.80
growth rate -4.8% 0.8% 17.4% 2.0%
Cur.Assets 8,365.00
8,084.00
8,118.70
9,669.50
9,547.40
growth rate -3.4% 0.4% 19.1% -1.3%
Total Assets 16,230.50
16,114.70
16,334.00
18,631.40
19,200.30
growth rate -0.7% 1.4% 14.1% 3.1%
Cash 652.20
605.00
607.20
871.50
512.30
growth rate -7.2% 0.4% 43.5% -41.2%
Inventory
growth rate
Cur.Liabilities 7,568.60
7,422.60
7,693.60
8,637.90
8,932.50
growth rate -1.9% 3.7% 12.3% 3.4%
Liabilities 11,717.40
11,502.00
11,764.30
13,673.20
14,252.50
growth rate -1.8% 2.3% 16.2% 4.2%
LT Debt 3,141.00
3,141.20
3,091.40
3,690.30
3,844.50
growth rate 0.0% -1.6% 19.4% 4.2%
Equity 4,443.60
4,544.50
4,498.90
4,880.30
4,879.40
growth rate 2.3% -1.0% 8.5% 0.0%
Common Shares 182.60
183.70
184.00
185.30
186.10
growth rate 0.6% 0.2% 0.7% 0.4%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 31.60
28.10
33.60
39.30
36.00
growth rate -11.1% 19.6% 17.0% -8.4%
Cash Dividends 74.80
75.30
75.60
79.60
80.10
growth rate 0.7% 0.4% 5.3% 0.6%
Cash From OA 530.90
191.30
260.50
-96.20
515.80
growth rate -64.0% 36.2% -100.0% 100.0%
Sale Purchase of Stock 15.40
growth rate
FCF 499.30
163.20
226.90
-135.50
479.80
growth rate -67.3% 39.0% -100.0% 100.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 1,602.50
1,722.30
1,599.80
1,882.10
1,603.20
growth rate 7.5% -7.1% 17.7% -14.8%
Op.Income 128.50
140.70
84.60
302.80
158.50
growth rate 9.5% -39.9% 257.9% -47.7%
IBT 103.60
90.30
43.20
321.80
105.50
growth rate -12.8% -52.2% 644.9% -67.2%
Net Income 114.90
127.60
117.30
334.10
110.10
growth rate 11.1% -8.1% 184.8% -67.1%
EPS
growth rate
Gross Profit 445.50
469.70
420.70
667.70
524.40
growth rate 5.4% -10.4% 58.7% -21.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (82.29)

YOY Growth Grade:

C (66.32)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 22.38 23.76 19.23
EPS / Growth 12.4% 3.70 14.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 14.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.4% 13.8% 13.8%
Future PE 19.23 23.04 23.04
Future EPS 11.91 13.45 13.45
Value Price
MOS %
56.62
-35.7%
76.59
-13.0%
76.59
-13.0%
MOS Price 28.31 38.29 38.29
IRT 11.01 10.49 10.49

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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