AJG vs. CRVL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AJG and CRVL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | AJG | CRVL |
|---|---|---|
| Company Name | Arthur J. Gallagher & Co. | CorVel Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Health Care |
| GICS Industry | Insurance | Health Care Providers & Services |
| Market Capitalization | 66.93 billion USD | 3.77 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | June 20, 1984 | June 28, 1991 |
| Security Type | Common Stock | Common Stock |
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.
Historical Performance at a Glance
| Symbol | AJG | CRVL |
|---|---|---|
| 5-Day Price Return | 2.97% | -1.92% |
| 13-Week Price Return | -11.69% | -15.93% |
| 26-Week Price Return | -22.30% | -35.12% |
| 52-Week Price Return | -13.34% | -37.40% |
| Month-to-Date Return | 3.62% | 0.30% |
| Year-to-Date Return | -8.93% | -33.34% |
| 10-Day Avg. Volume | 1.80M | 0.18M |
| 3-Month Avg. Volume | 1.55M | 0.17M |
| 3-Month Volatility | 25.13% | 30.86% |
| Beta | 0.68 | 1.06 |
Profitability
Return on Equity (TTM)
AJG
7.22%
Insurance Industry
- Max
- 31.64%
- Q3
- 19.22%
- Median
- 14.77%
- Q1
- 10.48%
- Min
- 2.20%
AJG’s Return on Equity of 7.22% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
CRVL
31.72%
Health Care Providers & Services Industry
- Max
- 24.67%
- Q3
- 15.54%
- Median
- 8.37%
- Q1
- 5.49%
- Min
- -2.09%
CRVL’s Return on Equity of 31.72% is exceptionally high, placing it well beyond the typical range for the Health Care Providers & Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
Net Profit Margin (TTM)
AJG
12.29%
Insurance Industry
- Max
- 28.47%
- Q3
- 15.63%
- Median
- 10.40%
- Q1
- 6.94%
- Min
- -3.51%
AJG’s Net Profit Margin of 12.29% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
CRVL
11.28%
Health Care Providers & Services Industry
- Max
- 9.33%
- Q3
- 4.80%
- Median
- 2.90%
- Q1
- 0.93%
- Min
- -3.28%
CRVL’s Net Profit Margin of 11.28% is exceptionally high, placing it well beyond the typical range for the Health Care Providers & Services industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
Operating Profit Margin (TTM)
AJG
20.48%
Insurance Industry
- Max
- 35.59%
- Q3
- 21.31%
- Median
- 14.99%
- Q1
- 10.34%
- Min
- -2.51%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
CRVL
14.49%
Health Care Providers & Services Industry
- Max
- 18.35%
- Q3
- 8.71%
- Median
- 5.10%
- Q1
- 2.10%
- Min
- -3.07%
An Operating Profit Margin of 14.49% places CRVL in the upper quartile for the Health Care Providers & Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AJG | CRVL |
|---|---|---|
| Return on Equity (TTM) | 7.22% | 31.72% |
| Return on Assets (TTM) | 2.15% | 18.37% |
| Net Profit Margin (TTM) | 12.29% | 11.28% |
| Operating Profit Margin (TTM) | 20.48% | 14.49% |
| Gross Profit Margin (TTM) | 45.63% | 24.20% |
Financial Strength
Current Ratio (MRQ)
AJG
1.06
Insurance Industry
- Max
- 2.64
- Q3
- 1.19
- Median
- 0.53
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
CRVL
1.89
Health Care Providers & Services Industry
- Max
- 2.00
- Q3
- 1.56
- Median
- 1.28
- Q1
- 0.92
- Min
- 0.01
CRVL’s Current Ratio of 1.89 is in the upper quartile for the Health Care Providers & Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio (MRQ)
AJG
0.56
Insurance Industry
- Max
- 1.10
- Q3
- 0.65
- Median
- 0.35
- Q1
- 0.23
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
CRVL
0.00
Health Care Providers & Services Industry
- Max
- 2.41
- Q3
- 1.39
- Median
- 0.74
- Q1
- 0.46
- Min
- 0.00
Falling into the lower quartile for the Health Care Providers & Services industry, CRVL’s Debt-to-Equity Ratio of 0.00 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio (TTM)
AJG
5.92
Insurance Industry
- Max
- 49.59
- Q3
- 22.05
- Median
- 9.63
- Q1
- 3.42
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
CRVL
-49.75
Health Care Providers & Services Industry
- Max
- 14.47
- Q3
- 7.46
- Median
- 4.52
- Q1
- 2.04
- Min
- -4.44
CRVL has a negative Interest Coverage Ratio of -49.75. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | AJG | CRVL |
|---|---|---|
| Current Ratio (MRQ) | 1.06 | 1.89 |
| Quick Ratio (MRQ) | 1.06 | 1.84 |
| Debt-to-Equity Ratio (MRQ) | 0.56 | 0.00 |
| Interest Coverage Ratio (TTM) | 5.92 | -49.75 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
AJG
0.89%
Insurance Industry
- Max
- 9.43%
- Q3
- 5.10%
- Median
- 3.57%
- Q1
- 2.02%
- Min
- 0.00%
AJG’s Dividend Yield of 0.89% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
CRVL
0.00%
Health Care Providers & Services Industry
- Max
- 5.51%
- Q3
- 2.66%
- Median
- 1.06%
- 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.
Dividend Payout Ratio (TTM)
AJG
36.32%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 50.55%
- Q1
- 22.12%
- Min
- 0.00%
AJG’s Dividend Payout Ratio of 36.32% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
CRVL
0.00%
Health Care Providers & Services Industry
- Max
- 187.56%
- Q3
- 81.14%
- Median
- 33.42%
- Q1
- 0.00%
- 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.
Dividend at a Glance
| Symbol | AJG | CRVL |
|---|---|---|
| Dividend Yield (TTM) | 0.89% | 0.00% |
| Dividend Payout Ratio (TTM) | 36.32% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
AJG
41.63
Insurance Industry
- Max
- 27.66
- Q3
- 17.29
- Median
- 12.59
- Q1
- 9.86
- Min
- 3.13
At 41.63, AJG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance 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
36.09
Health Care Providers & Services Industry
- Max
- 48.86
- Q3
- 32.22
- Median
- 21.78
- Q1
- 13.97
- Min
- 8.01
A P/E Ratio of 36.09 places CRVL in the upper quartile for the Health Care Providers & Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
AJG
5.12
Insurance Industry
- Max
- 3.39
- Q3
- 1.95
- Median
- 1.25
- Q1
- 0.83
- Min
- 0.22
With a P/S Ratio of 5.12, AJG trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
CRVL
4.07
Health Care Providers & Services Industry
- Max
- 3.66
- Q3
- 1.64
- Median
- 0.72
- Q1
- 0.27
- Min
- 0.10
With a P/S Ratio of 4.07, CRVL trades at a valuation that eclipses even the highest in the Health Care Providers & Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
Price-to-Book Ratio (MRQ)
AJG
3.42
Insurance Industry
- Max
- 4.36
- Q3
- 2.47
- Median
- 1.77
- Q1
- 1.18
- Min
- 0.17
AJG’s P/B Ratio of 3.42 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
CRVL
10.95
Health Care Providers & Services Industry
- Max
- 7.33
- Q3
- 4.33
- Median
- 2.48
- Q1
- 1.31
- Min
- 0.65
At 10.95, CRVL’s P/B Ratio is at an extreme premium to the Health Care Providers & Services 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.
Valuation at a Glance
| Symbol | AJG | CRVL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 41.63 | 36.09 |
| Price-to-Sales Ratio (TTM) | 5.12 | 4.07 |
| Price-to-Book Ratio (MRQ) | 3.42 | 10.95 |
| Price-to-Free Cash Flow Ratio (TTM) | 26.40 | 37.56 |