AJG vs. C: A Head-to-Head Stock Comparison

Updated on July 7, 2025

Here’s a clear look at AJG and C, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Overview

C’s market capitalization of 165.71 billion USD is significantly greater than AJG’s 81.47 billion USD, highlighting its more substantial market valuation.

C carries a higher beta at 1.31, indicating it’s more sensitive to market moves, while AJG (beta: 0.75) exhibits greater stability.

Symbol	AJG	C
Company Name	Arthur J. Gallagher & Co.	Citigroup Inc.
Country	US	US
Sector	Financial Services	Financial Services
Industry	Insurance - Brokers	Banks - Diversified
CEO	J. Patrick Gallagher Jr.	Jane Nind Fraser
Price	318.1 USD	88.72 USD
Market Cap	81.47 billion USD	165.71 billion USD
Beta	0.75	1.31
Exchange	NYSE	NYSE
IPO Date	June 20, 1984	January 3, 1977
ADR	No	No

Historical Performance

This chart compares the performance of AJG and C by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.

Data is adjusted for dividends and splits.

AJG vs. C: Growth of a $10,000 investment over the past one year.

Profitability

Return on Equity

AJG

9.41%

Insurance - Brokers Industry

Max: 40.40%
Q3: 30.52%
Median: 22.48%
Q1: 4.38%
Min: -5.38%

AJG’s Return on Equity of 9.41% is on par with the norm for the Insurance - Brokers industry, indicating its profitability relative to shareholder equity is typical for the sector.

C

6.38%

Banks - Diversified Industry

Max: 20.93%
Q3: 14.73%
Median: 12.33%
Q1: 9.14%
Min: 5.86%

C’s Return on Equity of 6.38% is in the lower quartile for the Banks - Diversified industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AJG vs. C: A comparison of their ROE against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Return on Invested Capital

AJG

5.85%

Insurance - Brokers Industry

Max: 11.62%
Q3: 11.18%
Median: 8.38%
Q1: 2.57%
Min: -1.51%

AJG’s Return on Invested Capital of 5.85% is in line with the norm for the Insurance - Brokers industry, reflecting a standard level of efficiency in generating profits from its capital base.

C

1.32%

Banks - Diversified Industry

Max: 4.52%
Q3: 2.95%
Median: 1.89%
Q1: 0.86%
Min: 0.18%

Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Diversified industry.

AJG vs. C: A comparison of their ROIC against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Net Profit Margin

AJG

12.96%

Insurance - Brokers Industry

Max: 21.33%
Q3: 15.86%
Median: 10.63%
Q1: 1.06%
Min: -2.28%

AJG’s Net Profit Margin of 12.96% is aligned with the median group of its peers in the Insurance - Brokers industry. This indicates its ability to convert revenue into profit is typical for the sector.

C

7.95%

Banks - Diversified Industry

Max: 33.40%
Q3: 26.40%
Median: 19.24%
Q1: 14.99%
Min: 7.95%

Falling into the lower quartile for the Banks - Diversified industry, C’s Net Profit Margin of 7.95% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AJG vs. C: A comparison of their Net Profit Margin against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Operating Profit Margin

AJG

23.06%

Insurance - Brokers Industry

Max: 28.73%
Q3: 23.24%
Median: 21.46%
Q1: 10.89%
Min: 5.35%

AJG’s Operating Profit Margin of 23.06% is around the midpoint for the Insurance - Brokers industry, indicating that its efficiency in managing core business operations is typical for the sector.

C

10.67%

Banks - Diversified Industry

Max: 50.90%
Q3: 37.76%
Median: 28.44%
Q1: 15.73%
Min: 8.60%

C’s Operating Profit Margin of 10.67% is in the lower quartile for the Banks - Diversified industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

AJG vs. C: A comparison of their Operating Margin against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Profitability at a Glance

Symbol	AJG	C
Return on Equity (TTM)	9.41%	6.38%
Return on Assets (TTM)	2.10%	0.52%
Return on Invested Capital (TTM)	5.85%	1.32%
Net Profit Margin (TTM)	12.96%	7.95%
Operating Profit Margin (TTM)	23.06%	10.67%
Gross Profit Margin (TTM)	55.08%	42.37%

Financial Strength

Current Ratio

AJG

1.44

Insurance - Brokers Industry

Max: 1.90
Q3: 1.76
Median: 1.29
Q1: 1.14
Min: 1.05

AJG’s Current Ratio of 1.44 aligns with the median group of the Insurance - Brokers industry, indicating that its short-term liquidity is in line with its sector peers.

C

0.29

Banks - Diversified Industry

Max: 0.67
Q3: 0.49
Median: 0.39
Q1: 0.28
Min: 0.06

For the Banks - Diversified industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AJG vs. C: A comparison of their Current Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Debt-to-Equity Ratio

AJG

0.04

Insurance - Brokers Industry

Max: 4.59
Q3: 2.12
Median: 0.59
Q1: 0.07
Min: 0.01

Falling into the lower quartile for the Insurance - Brokers industry, AJG’s Debt-to-Equity Ratio of 0.04 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.

C

3.53

Banks - Diversified Industry

Max: 4.98
Q3: 3.65
Median: 3.13
Q1: 1.73
Min: 0.09

C’s Debt-to-Equity Ratio of 3.53 is typical for the Banks - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AJG vs. C: A comparison of their D/E Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Interest Coverage Ratio

AJG

29.40

Insurance - Brokers Industry

Max: 29.40
Q3: 16.65
Median: 7.25
Q1: 4.20
Min: 1.60

AJG’s Interest Coverage Ratio of 29.40 is in the upper quartile for the Insurance - Brokers industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

C

0.21

Banks - Diversified Industry

Max: 0.98
Q3: 0.78
Median: 0.55
Q1: 0.31
Min: 0.09

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Diversified industry.

AJG vs. C: A comparison of their Interest Coverage against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Financial Strength at a Glance

Symbol	AJG	C
Current Ratio (TTM)	1.44	0.29
Quick Ratio (TTM)	1.44	0.29
Debt-to-Equity Ratio (TTM)	0.04	3.53
Debt-to-Asset Ratio (TTM)	0.01	0.29
Net Debt-to-EBITDA Ratio (TTM)	-4.68	19.84
Interest Coverage Ratio (TTM)	29.40	0.21

Growth

The following charts compare key year-over-year (YoY) growth metrics for AJG and C. These metrics are based on the companies’ annual financial reports.

Revenue Growth

AJG vs. C: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

AJG vs. C: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

AJG vs. C: A comparison of their annual year-over-year Free Cash Flow Growth.

Dividend

Dividend Yield

AJG

0.79%

Insurance - Brokers Industry

Max: 2.63%
Q3: 1.34%
Median: 0.79%
Q1: 0.00%
Min: 0.00%

AJG’s Dividend Yield of 0.79% is consistent with its peers in the Insurance - Brokers industry, providing a dividend return that is standard for its sector.

C

2.52%

Banks - Diversified Industry

Max: 7.73%
Q3: 4.16%
Median: 3.24%
Q1: 2.27%
Min: 0.00%

C’s Dividend Yield of 2.52% is consistent with its peers in the Banks - Diversified industry, providing a dividend return that is standard for its sector.

AJG vs. C: A comparison of their Dividend Yield against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Dividend Payout Ratio

AJG

35.97%

Insurance - Brokers Industry

Max: 45.22%
Q3: 39.19%
Median: 29.49%
Q1: 3.85%
Min: 0.00%

AJG’s Dividend Payout Ratio of 35.97% is within the typical range for the Insurance - Brokers industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

C

39.11%

Banks - Diversified Industry

Max: 84.94%
Q3: 39.11%
Median: 26.91%
Q1: 0.00%
Min: 0.00%

C’s Dividend Payout Ratio of 39.11% is within the typical range for the Banks - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AJG vs. C: A comparison of their Payout Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Dividend at a Glance

Symbol	AJG	C
Dividend Yield (TTM)	0.79%	2.52%
Dividend Payout Ratio (TTM)	35.97%	39.11%

Valuation

Price-to-Earnings Ratio

AJG

46.21

Insurance - Brokers Industry

Max: 45.50
Q3: 35.20
Median: 30.00
Q1: 28.34
Min: 26.42

At 46.21, AJG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance - Brokers industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

C

12.46

Banks - Diversified Industry

Max: 14.13
Q3: 13.37
Median: 11.90
Q1: 9.29
Min: 7.43

C’s P/E Ratio of 12.46 is within the middle range for the Banks - Diversified industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AJG vs. C: A comparison of their P/E Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Forward P/E to Growth Ratio

AJG

3.32

Insurance - Brokers Industry

Max: 3.32
Q3: 3.00
Median: 2.77
Q1: 2.41
Min: 2.09

AJG’s Forward PEG Ratio of 3.32 is exceptionally high for the Insurance - Brokers industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.

C

0.48

Banks - Diversified Industry

Max: 1.98
Q3: 1.41
Median: 1.15
Q1: 0.77
Min: 0.45

In the lower quartile for the Banks - Diversified industry, C’s Forward PEG Ratio of 0.48 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.

AJG vs. C: A comparison of their Forward PEG Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Price-to-Sales Ratio

AJG

6.77

Insurance - Brokers Industry

Max: 7.38
Q3: 5.34
Median: 4.27
Q1: 2.32
Min: 0.27

AJG’s P/S Ratio of 6.77 is in the upper echelon for the Insurance - Brokers industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

C

0.99

Banks - Diversified Industry

Max: 4.15
Q3: 2.92
Median: 2.29
Q1: 1.83
Min: 0.94

The P/S Ratio is often not a primary valuation tool in the Banks - Diversified industry.

AJG vs. C: A comparison of their P/S Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Price-to-Book Ratio

AJG

3.23

Insurance - Brokers Industry

Max: 10.90
Q3: 8.10
Median: 6.93
Q1: 4.15
Min: 1.12

AJG’s P/B Ratio of 3.23 is in the lower quartile for the Insurance - Brokers industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

C

0.78

Banks - Diversified Industry

Max: 1.89
Q3: 1.47
Median: 1.23
Q1: 1.10
Min: 0.65

C’s P/B Ratio of 0.78 is in the lower quartile for the Banks - Diversified industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

AJG vs. C: A comparison of their P/B Ratio against their respective Insurance - Brokers and Banks - Diversified industry benchmarks.

Valuation at a Glance

Symbol	AJG	C
Price-to-Earnings Ratio (P/E, TTM)	46.21	12.46
Forward PEG Ratio (TTM)	3.32	0.48
Price-to-Sales Ratio (P/S, TTM)	6.77	0.99
Price-to-Book Ratio (P/B, TTM)	3.23	0.78
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	32.26	-2.24
EV-to-EBITDA (TTM)	19.36	27.30
EV-to-Sales (TTM)	5.46	3.60