AJG vs. C: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AJG and C, comparing key factors like performance, valuation metrics, dividends, and financial strength. It’s built for investors or anyone curious to see how these two stocks match up.
Company Overview
C towers over AJG with a market cap of 137.13 billion USD, roughly 1.59 times the 86.44 billion USD of its peer.
C dances to a riskier tune, sporting a beta of 1.28, while AJG keeps it calmer at 0.78.
| 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 | Mr. J. Patrick Gallagher Jr. | Ms. Jane Nind Fraser Ph.D. |
| Price | 337.53 USD | 73.42 USD |
| Market Cap | 86.44 billion USD | 137.13 billion USD |
| Beta | 0.781 | 1.285 |
| Exchange | NYSE | NYSE |
| IPO Date | June 20, 1984 | January 3, 1977 |
| ADR | No | No |
Performance Comparison
This chart compares the performance of AJG and C over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Hover over the lines to see the investment’s value and total return (%) at specific dates.
Data is adjusted for dividends and splits.
Valuation Metrics Comparison
The section examines key financial ratios to assess the valuation of AJG and C based on earnings, cash flow, sales, and book value. Pay attention to the following notable points where extreme values stand out.
- C has a negative Price-to-Free Cash Flow of -5.24, indicating it’s spent more cash than it’s brought in over the past year—a cash flow shortfall that raises questions about its operational sustainability. Meanwhile, AJG at 34.23 maintains a positive cash position.
| Symbol | AJG | C |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 49.03 | 10.31 |
| Forward PEG Ratio (TTM) | 3.55 | 0.40 |
| Price-to-Sales Ratio (P/S, TTM) | 7.19 | 1.39 |
| Price-to-Book Ratio (P/B, TTM) | 3.42 | 0.65 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 34.23 | -5.24 |
| EV-to-EBITDA (TTM) | 20.83 | 41.54 |
| EV-to-Sales (TTM) | 5.87 | 9.00 |
| EV-to-Free Cash Flow (TTM) | 27.96 | -33.85 |
Dividend Comparison
Both AJG at 0.73% and C at 3.05% pay dividends, blending income with growth in their strategies. Yet C’s 3.05% yield, 320% above AJG’s 0.73%, suggests a focus on generous payouts—possibly from stronger profits—while AJG leans toward reinvestment, perhaps due to tighter margins.
| Symbol | AJG | C |
|---|---|---|
| Dividend Yield (TTM) | 0.73% | 3.05% |
Financial Strength Metrics Comparison
This section dives into the financial resilience of AJG and C, spotlighting key metrics like liquidity, leverage, and debt coverage. Check out the standout observations below where notable differences or extremes pop up.
- C’s current ratio of 0.00 dips below 1, leaving short-term liabilities larger than current assets—a scenario that could hinge on cash flow support. On the other hand, AJG at 1.44 has enough assets to handle its obligations.
- At 0.00, C’s quick ratio falls below 0.8, where liquid assets, minus inventory, can’t keep up with short-term bills—possibly riding on cash flow. By contrast, AJG hits 1.44, covering its bases comfortably.
- C’s 3.53 D/E breaches 3.0, loading up on debt that could test its resilience. In contrast, AJG at 0.04 plays it closer to the vest with borrowing.
- C’s 0.57 sits under 1.5, where earnings hug interest costs too closely—a squeeze if income dips. Meanwhile, AJG at 29.40 has room to breathe.
| Symbol | AJG | C |
|---|---|---|
| Current Ratio (TTM) | 1.44 | 0.00 |
| Quick Ratio (TTM) | 1.44 | 0.00 |
| Debt-to-Equity Ratio (TTM) | 0.04 | 3.53 |
| Debt-to-Assets Ratio (TTM) | 0.01 | 0.29 |
| Interest Coverage Ratio (TTM) | 29.40 | 0.57 |