AEG vs. AJG: Aegon vs. Arthur J. Gallagher Stock Comparison
How do Aegon (AEG) and Arthur J. Gallagher (AJG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Aegon (AEG) and Arthur J. Gallagher (AJG) both belong to the Insurance industry, though AEG is classified under Life & Health Insurance while AJG falls under Insurance Brokers.
Arthur J. Gallagher (AJG) trades as ordinary local shares, while Aegon (AEG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | AEG | AJG |
|---|---|---|
| Name | Aegon Ltd. New York Registry Shares | Arthur J. Gallagher & Co. |
| Country/Region | Netherlands | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Insurance Brokers |
| Market Capitalization | 12.09 billion USD | 72.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 28, 1985 | June 20, 1984 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AEG | AJG |
|---|---|---|
| Total Return (1Y) | 19.25% | 13.67% |
| Total Return (3Y, Annualized) | 26.15% | 5.42% |
| Total Return (5Y, Annualized) | 17.53% | 12.86% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AEG | AJG |
|---|---|---|
| Volatility (1Y, Annualized) | 24.91% | 32.13% |
| Beta (5Y) | 0.85 | 0.46 |
| Max Drawdown (5Y) | -36.55% | -44.40% |
| Avg. Volume (3M) | 5.27M | 1.52M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AEG | AJG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 0.29 |
| Sortino Ratio (1Y) | 0.84 | 0.43 |
Profitability
ROE (TTM)
Aegon (AEG) at 11.07% is around its peer norm for ROE, while Arthur J. Gallagher (AJG) at 7.21% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
AEG
Insurance industry group
11.07%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AEG
- 11.07%
- Q1
- 8.79%
- Min
- -10.66%
AJG
Insurance industry group
7.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AJG
- 7.21%
- Min
- -10.66%
Net Margin (TTM)
Both Aegon (AEG) at 8.62% and Arthur J. Gallagher (AJG) at 10.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AEG
Insurance industry group
8.62%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AEG
- 8.62%
- Q1
- 6.21%
- Min
- -4.68%
AJG
Insurance industry group
10.78%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AJG
- 10.78%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Aegon (AEG) in Insurance and Arthur J. Gallagher (AJG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AEG | AJG |
|---|---|---|
| ROE (TTM) | 11.07% | 7.21% |
| ROA (TTM) | 0.10% | 2.57% |
| Net Margin (TTM) | 8.62% | 10.78% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while Arthur J. Gallagher (AJG) at 20.66% is closer to the peer norm — faster top-line expansion for AEG.
EPS Growth
Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while Arthur J. Gallagher (AJG) at -11.69% is closer to the peer norm — faster per-share earnings growth for AEG.
Growth Metrics
| Metric | AEG | AJG |
|---|---|---|
| Revenue Growth (YoY) | 37.63% | 20.66% |
| Revenue Growth (3Y CAGR) | -- | 17.70% |
| EPS Growth (YoY) | 59.46% | -11.69% |
| EPS Growth (3Y CAGR) | -- | 3.41% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aegon (AEG) in Insurance and Arthur J. Gallagher (AJG) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Aegon (AEG) in Insurance and Arthur J. Gallagher (AJG) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AEG | AJG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Aegon (AEG) at 4.96% delivers top-quartile income for its industry, while Arthur J. Gallagher (AJG) at 0.95% pays a more typical yield — both are credible income propositions, AEG the richer one.
AEG
Insurance industry group
4.96%
- Max
- 5.12%
- AEG
- 4.96%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
AJG
Insurance industry group
0.95%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AJG
- 0.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Aegon (AEG) at 61.52% and Arthur J. Gallagher (AJG) at 41.98% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
AEG
Insurance industry group
61.52%
- Max
- 76.67%
- AEG
- 61.52%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
AJG
Insurance industry group
41.98%
- Max
- 76.67%
- AJG
- 41.98%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AEG | AJG |
|---|---|---|
| Dividend Yield (TTM) | 4.96% | 0.95% |
| Dividend Payout Ratio (TTM) | 61.52% | 41.98% |
Valuation
P/E Ratio (TTM)
Aegon (AEG) at 12.03 is near its industry’s usual P/E ratio, while Arthur J. Gallagher (AJG) at 42.99 sits above its peer range — an unusually expensive price for AJG’s trailing earnings.
AEG
Insurance industry group
12.03
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- AEG
- 12.03
- Q1
- 9.08
- Min
- 2.32
AJG
Insurance industry group
42.99
- AJG
- 42.99
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Aegon (AEG) at 1.04 prices around its industry’s typical P/S ratio, while Arthur J. Gallagher (AJG) at 4.58 clears its benchmark range — AJG looks notably rich on sales.
AEG
Insurance industry group
1.04
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- AEG
- 1.04
- Q1
- 0.85
- Min
- 0.07
AJG
Insurance industry group
4.58
- AJG
- 4.58
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Aegon (AEG) at 1.23 is valued about in line with its industry on P/B ratio, while Arthur J. Gallagher (AJG) at 3.00 carries an above-peer premium to book — AJG is pricier on assets.
AEG
Insurance industry group
1.23
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- AEG
- 1.23
- Q1
- 1.23
- Min
- 0.30
AJG
Insurance industry group
3.00
- Max
- 5.07
- AJG
- 3.00
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AEG | AJG |
|---|---|---|
| P/E Ratio (TTM) | 12.03 | 42.99 |
| P/S Ratio (TTM) | 1.04 | 4.58 |
| P/B Ratio (MRQ) | 1.23 | 3.00 |
| Free Cash Flow Yield (TTM) | -- | -- |