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

Updated on July 7, 2025

Here’s a clear look at AON 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 AON’s 76.61 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 AON (beta: 0.86) exhibits greater stability.

Symbol	AON	C
Company Name	Aon plc	Citigroup Inc.
Country	IE	US
Sector	Financial Services	Financial Services
Industry	Insurance - Brokers	Banks - Diversified
CEO	Gregory Clarence Case	Jane Nind Fraser
Price	354.76 USD	88.72 USD
Market Cap	76.61 billion USD	165.71 billion USD
Beta	0.86	1.31
Exchange	NYSE	NYSE
IPO Date	June 2, 1980	January 3, 1977
ADR	No	No

Historical Performance

This chart compares the performance of AON 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.

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

Profitability

Return on Equity

AON

40.40%

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, AON’s Return on Equity of 40.40% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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.

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

Return on Invested Capital

AON

10.73%

Insurance - Brokers Industry

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

AON’s Return on Invested Capital of 10.73% 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.

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

Net Profit Margin

AON

15.58%

Insurance - Brokers Industry

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

AON’s Net Profit Margin of 15.58% 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.

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

Operating Profit Margin

AON

23.42%

Insurance - Brokers Industry

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

An Operating Profit Margin of 23.42% places AON in the upper quartile for the Insurance - Brokers industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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.

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

Profitability at a Glance

Symbol	AON	C
Return on Equity (TTM)	40.40%	6.38%
Return on Assets (TTM)	5.07%	0.52%
Return on Invested Capital (TTM)	10.73%	1.32%
Net Profit Margin (TTM)	15.58%	7.95%
Operating Profit Margin (TTM)	23.42%	10.67%
Gross Profit Margin (TTM)	47.12%	42.37%

Financial Strength

Current Ratio

AON

1.05

Insurance - Brokers Industry

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

AON’s Current Ratio of 1.05 falls into the lower quartile for the Insurance - Brokers industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

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.

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

Debt-to-Equity Ratio

AON

2.64

Insurance - Brokers Industry

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

AON’s leverage is in the upper quartile of the Insurance - Brokers industry, with a Debt-to-Equity Ratio of 2.64. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

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.

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

Interest Coverage Ratio

AON

4.51

Insurance - Brokers Industry

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

AON’s Interest Coverage Ratio of 4.51 is positioned comfortably within the norm for the Insurance - Brokers industry, indicating a standard and healthy capacity to cover its interest payments.

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.

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

Financial Strength at a Glance

Symbol	AON	C
Current Ratio (TTM)	1.05	0.29
Quick Ratio (TTM)	1.05	0.29
Debt-to-Equity Ratio (TTM)	2.64	3.53
Debt-to-Asset Ratio (TTM)	0.37	0.29
Net Debt-to-EBITDA Ratio (TTM)	3.41	19.84
Interest Coverage Ratio (TTM)	4.51	0.21

Growth

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

Revenue Growth

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

Earnings Per Share (EPS) Growth

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

Free Cash Flow Growth

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

Dividend

Dividend Yield

AON

0.78%

Insurance - Brokers Industry

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

AON’s Dividend Yield of 0.78% 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.

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

Dividend Payout Ratio

AON

23.00%

Insurance - Brokers Industry

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

AON’s Dividend Payout Ratio of 23.00% 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.

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

Dividend at a Glance

Symbol	AON	C
Dividend Yield (TTM)	0.78%	2.52%
Dividend Payout Ratio (TTM)	23.00%	39.11%

Valuation

Price-to-Earnings Ratio

AON

30.13

Insurance - Brokers Industry

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

AON’s P/E Ratio of 30.13 is within the middle range for the Insurance - Brokers industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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.

AON 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

AON

2.89

Insurance - Brokers Industry

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

AON’s Forward PEG Ratio of 2.89 is within the middle range of its peers in the Insurance - Brokers industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.

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.

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

Price-to-Sales Ratio

AON

4.68

Insurance - Brokers Industry

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

AON’s P/S Ratio of 4.68 aligns with the market consensus for the Insurance - Brokers industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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.

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

Price-to-Book Ratio

AON

10.96

Insurance - Brokers Industry

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

At 10.96, AON’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.

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.

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

Valuation at a Glance

Symbol	AON	C
Price-to-Earnings Ratio (P/E, TTM)	30.13	12.46
Forward PEG Ratio (TTM)	2.89	0.48
Price-to-Sales Ratio (P/S, TTM)	4.68	0.99
Price-to-Book Ratio (P/B, TTM)	10.96	0.78
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	29.02	-2.24
EV-to-EBITDA (TTM)	18.30	27.30
EV-to-Sales (TTM)	5.76	3.60