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

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

Company Overview

AJG’s market capitalization of 81.47 billion USD is substantially larger than CRVL’s 5.28 billion USD, indicating a significant difference in their market valuations.

With betas of 0.75 for AJG and 1.02 for CRVL, both stocks show similar sensitivity to overall market movements.

SymbolAJGCRVL
Company NameArthur J. Gallagher & Co.CorVel Corporation
CountryUSUS
SectorFinancial ServicesFinancial Services
IndustryInsurance - BrokersInsurance - Brokers
CEOJ. Patrick Gallagher Jr.Michael G. Combs
Price318.1 USD102.85 USD
Market Cap81.47 billion USD5.28 billion USD
Beta0.751.02
ExchangeNYSENASDAQ
IPO DateJune 20, 1984June 28, 1991
ADRNoNo

Historical Performance

This chart compares the performance of AJG and CRVL 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. CRVL: 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.

CRVL

32.55%

Insurance - Brokers Industry

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

In the upper quartile for the Insurance - Brokers industry, CRVL’s Return on Equity of 32.55% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

AJG vs. CRVL: A comparison of their ROE against the Insurance - Brokers industry benchmark.

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.

CRVL

27.83%

Insurance - Brokers Industry

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

CRVL’s Return on Invested Capital of 27.83% is exceptionally high, placing it well beyond the typical range for the Insurance - Brokers industry. This demonstrates an outstanding ability to deploy capital efficiently and create significant value.

AJG vs. CRVL: A comparison of their ROIC against the Insurance - Brokers industry benchmark.

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.

CRVL

10.63%

Insurance - Brokers Industry

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

CRVL’s Net Profit Margin of 10.63% 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.

AJG vs. CRVL: A comparison of their Net Profit Margin against the Insurance - Brokers industry benchmark.

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.

CRVL

13.49%

Insurance - Brokers Industry

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

CRVL’s Operating Profit Margin of 13.49% is around the midpoint for the Insurance - Brokers industry, indicating that its efficiency in managing core business operations is typical for the sector.

AJG vs. CRVL: A comparison of their Operating Margin against the Insurance - Brokers industry benchmark.

Profitability at a Glance

SymbolAJGCRVL
Return on Equity (TTM)9.41%32.55%
Return on Assets (TTM)2.10%17.43%
Return on Invested Capital (TTM)5.85%27.83%
Net Profit Margin (TTM)12.96%10.63%
Operating Profit Margin (TTM)23.06%13.49%
Gross Profit Margin (TTM)55.08%23.42%

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.

CRVL

1.90

Insurance - Brokers Industry

Max
1.90
Q3
1.76
Median
1.29
Q1
1.14
Min
1.05

CRVL’s Current Ratio of 1.90 is in the upper quartile for the Insurance - Brokers industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.

AJG vs. CRVL: A comparison of their Current Ratio against the Insurance - Brokers industry benchmark.

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.

CRVL

0.06

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, CRVL’s Debt-to-Equity Ratio of 0.06 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.

AJG vs. CRVL: A comparison of their D/E Ratio against the Insurance - Brokers industry benchmark.

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.

CRVL

--

Insurance - Brokers Industry

Max
29.40
Q3
16.65
Median
7.25
Q1
4.20
Min
1.60

Interest Coverage Ratio data for CRVL is currently unavailable.

AJG vs. CRVL: A comparison of their Interest Coverage against the Insurance - Brokers industry benchmark.

Financial Strength at a Glance

SymbolAJGCRVL
Current Ratio (TTM)1.441.90
Quick Ratio (TTM)1.441.90
Debt-to-Equity Ratio (TTM)0.040.06
Debt-to-Asset Ratio (TTM)0.010.04
Net Debt-to-EBITDA Ratio (TTM)-4.68-1.06
Interest Coverage Ratio (TTM)29.40--

Growth

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

Revenue Growth

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

Earnings Per Share (EPS) Growth

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

Free Cash Flow Growth

AJG vs. CRVL: 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.

CRVL

0.00%

Insurance - Brokers Industry

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

CRVL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

AJG vs. CRVL: A comparison of their Dividend Yield against the Insurance - Brokers industry benchmark.

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.

CRVL

0.00%

Insurance - Brokers Industry

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

CRVL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

AJG vs. CRVL: A comparison of their Payout Ratio against the Insurance - Brokers industry benchmark.

Dividend at a Glance

SymbolAJGCRVL
Dividend Yield (TTM)0.79%0.00%
Dividend Payout Ratio (TTM)35.97%0.00%

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.

CRVL

55.54

Insurance - Brokers Industry

Max
45.50
Q3
35.20
Median
30.00
Q1
28.34
Min
26.42

At 55.54, CRVL’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.

AJG vs. CRVL: A comparison of their P/E Ratio against the Insurance - Brokers industry benchmark.

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.

CRVL

5.19

Insurance - Brokers Industry

Max
3.32
Q3
3.00
Median
2.77
Q1
2.41
Min
2.09

CRVL’s Forward PEG Ratio of 5.19 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.

AJG vs. CRVL: A comparison of their Forward PEG Ratio against the Insurance - Brokers industry benchmark.

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.

CRVL

5.90

Insurance - Brokers Industry

Max
7.38
Q3
5.34
Median
4.27
Q1
2.32
Min
0.27

CRVL’s P/S Ratio of 5.90 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.

AJG vs. CRVL: A comparison of their P/S Ratio against the Insurance - Brokers industry benchmark.

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.

CRVL

16.41

Insurance - Brokers Industry

Max
10.90
Q3
8.10
Median
6.93
Q1
4.15
Min
1.12

At 16.41, CRVL’s P/B Ratio is at an extreme premium to the Insurance - Brokers industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

AJG vs. CRVL: A comparison of their P/B Ratio against the Insurance - Brokers industry benchmark.

Valuation at a Glance

SymbolAJGCRVL
Price-to-Earnings Ratio (P/E, TTM)46.2155.54
Forward PEG Ratio (TTM)3.325.19
Price-to-Sales Ratio (P/S, TTM)6.775.90
Price-to-Book Ratio (P/B, TTM)3.2316.41
Price-to-Free Cash Flow Ratio (P/FCF, TTM)32.2664.02
EV-to-EBITDA (TTM)19.3635.94
EV-to-Sales (TTM)5.465.73