AON Aon plc - Fundamental Analysis
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AON Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance Brokers
Current Price
Live
$338.69
Analyst Target
$394.84
+16.6%
Upside
52W High
$412.97
52W Low
$323.73
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$73.03B
P/E
26.88
ROE
37.7%
Profit margin
16.0%
Debt/Equity
2.15
Dividend yield
0.89%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
AON's Advanced Deterministic Scorecard shows a Piotroski F-Score of 4/9, indicating stable but not strong financial health, while the absence of an Altman Z-Score prevents a definitive assessment of bankruptcy risk. The company trades at a premium valuation with a P/E of 26.88 versus sector average of 21.49, yet demonstrates robust profitability (ROE: 37.69%, Operating Margin: 20.36%) and strong earnings growth (YoY: +34.4%). However, weak technical trend (0/100), bearish insider activity, and declining short-term EPS momentum (-20.7% Q/Q) offset these strengths. The stock is trading well above the conservative Graham Number of $102.27 but below the growth-based intrinsic value of $371.7, suggesting the market prices in continued growth.
Key Strengths
Exceptional return on equity (37.69%) indicating efficient use of shareholder capital
Strong year-over-year earnings growth (34.4%) and revenue growth (7.4%)
Low dividend payout ratio (22.72%) providing sustainability and room for future increases
High operating and gross margins relative to peers, signaling pricing power and cost control
Analyst consensus recommendation is 'buy' with a target price of $394.84, implying 16.6% upside
Key Risks
Piotroski F-Score of 4 suggests below-average financial strength and limited margin of safety
Very high debt/equity ratio (2.15), above sector average (1.96), increasing financial risk
Extremely low quick ratio (0.22) indicating potential liquidity concerns in the short term
Bearish insider sentiment with net selling of $3.03M and zero buy transactions in 6 months
Technical trend score of 0/100 signals strong near-term bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$371.7
+9.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
55
78
62
50
60
AI Verdict
Moderate long-term potential offset by near-term risks
Key drivers: High ROE and earnings growth, Analyst optimism, Premium valuation, Weak technicals and insider selling, Liquidity concerns
Confidence
75%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 17.80 is reasonable given growth trajectory
- Intrinsic value estimate ($371.7) above current price
Watchpoints
- Current P/E (26.88) above sector average (21.49)
- Price/Book of 9.18 is very high, indicating overvaluation on asset basis
- Current price ($338.69) significantly above Graham Number ($102.27)
Future
78/100
Ref Growth rates
Positives
- Strong YoY earnings growth (34.4%)
- Consistent revenue expansion (7.4% YoY)
- High analyst target price ($394.84)
Watchpoints
- Q/Q EPS growth declined by 20.7%, signaling near-term weakness
- PEG Ratio unavailable, limiting growth-adjusted valuation insight
Past
62/100
Ref Historical trends
Positives
- Long history of beating earnings estimates (16 of last 25 quarters)
- Average earnings surprise of +6.69% over last 4 quarters
Watchpoints
- Recent quarters show mixed performance with 2 misses in last 4
- 1-year price return of -6.6% underperforms sector
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4 indicates stable, not distressed, financial condition
- Positive ROA (5.59%) and sustained profitability
Watchpoints
- No Altman Z-Score available, creating uncertainty in distress risk modeling
- Very high debt/equity (2.15) and low quick ratio (0.22) raise red flags
Dividend
60/100
Ref Yield, Payout
Positives
- Low payout ratio (22.72%) ensures dividend sustainability
- Dividend strength score of 25/100 is low but stable
Watchpoints
- Dividend yield (0.89%) is below average, offering limited income appeal
- No 5-year yield average available, limiting trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$338.69
Analyst Target
$394.84
Upside/Downside
+16.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AON and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AON
Aon plc
Primary
|
+68.5% | +6.7% | -6.6% | -9.0% | -5.0% | -1.5% |
|
APO
Apollo Global Management, Inc.
Peer
|
+232.8% | +112.0% | -18.6% | -9.1% | -8.4% | -5.3% |
|
COIN
Coinbase Global, Inc.
Peer
|
-26.5% | +345.4% | -14.4% | -42.5% | -1.2% | +0.1% |
|
AJG
Arthur J. Gallagher & Co.
Peer
|
+125.8% | +32.2% | -11.3% | -19.3% | -2.9% | -2.0% |
|
TFC
Truist Financial Corporation
Peer
|
+21.2% | +24.8% | +16.6% | +15.7% | -0.3% | -1.2% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
26.88
Forward P/E
17.8
PEG Ratio
N/A
P/B Ratio
9.18
P/S Ratio
4.29
EV/Revenue
5.26
EV/EBITDA
16.48
Market Cap
$73.03B
Profitability
Profit margins and return metrics
Profit Margin
15.96%
Operating Margin
20.36%
Gross Margin
46.76%
ROE
37.69%
ROA
5.59%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.4%
Earnings Growth
+34.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+33.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
2.15
High debt
Current Ratio
1.06
Good
Quick Ratio
0.22
Poor
Cash/Share
$5.42
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-30
$N/A
2025-10-31
$2.11
+14.1% surprise
2025-07-25
$2.66
+12.1% surprise
2025-04-25
$5.67
-6.1% surprise
Financial Services Sector Comparison
Comparing AON against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
26.88
This Stock
vs
30.35
Sector Avg
-11.4%
(Discount)
Return on Equity (ROE)
37.69%
This Stock
vs
-7.62%
Sector Avg
-594.6%
(Below Avg)
Profit Margin
15.96%
This Stock
vs
82.74%
Sector Avg
-80.7%
(Weaker)
Debt to Equity
2.15
This Stock
vs
1.48
Sector Avg
+45.2%
(Higher)
Revenue Growth
7.4%
This Stock
vs
28.4%
Sector Avg
-73.9%
(Slower)
Current Ratio
1.06
This Stock
vs
3.73
Sector Avg
-71.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AON
Aon plc
|
NEUTRAL | $73.03B | 26.88 | 37.7% | 16.0% | $338.69 | |
|
APO
Apollo Global Management, Inc.
|
NEUTRAL | $79.12B | 20.38 | 16.5% | 15.8% | $136.31 | |
|
COIN
Coinbase Global, Inc.
|
NEUTRAL | $65.03B | 20.82 | 26.0% | 43.7% | $241.15 | |
|
AJG
Arthur J. Gallagher & Co.
|
BEARISH | $65.03B | 40.0 | 9.1% | 13.3% | $253.21 | |
|
TFC
Truist Financial Corporation
|
NEUTRAL | $64.46B | 13.4 | 8.0% | 28.6% | $49.99 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-05 | KNIGHT LESTER B III | Director | Gift | 7,878 | - |
| 2025-11-21 | CORONA ANNE | Officer | Stock Award | 132 | - |
| 2025-11-21 | GOLTERMANN LORI | Officer | Stock Award | 156 | - |
| 2025-11-21 | MARCELL ANDY | Officer | Stock Award | 86 | - |
| 2025-11-14 | SIMON MINDY F | Chief Operating Officer | Stock Award | 1,970 | - |
| 2025-11-12 | SANTONA GLORIA | Director | Gift | 17,736 | - |
| 2025-11-05 | ZEIDEL DARREN | General Counsel | Sale | 8,800 | $3,031,818 |
| 2025-09-26 | JENKINS JO ANN C. | Director | Stock Award | 547 | - |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
19 analysts
Cantor Fitzgerald
2026-01-14
Overweight
Overweight
Wells Fargo
2026-01-13
Overweight
Overweight
Barclays
2026-01-08
Equal-Weight
Equal-Weight
JP Morgan
2026-01-07
Overweight
Overweight
Keefe, Bruyette & Woods
2026-01-06
Outperform
Outperform
Mizuho
2025-12-16
Neutral
Barclays
2025-11-20
Overweight
Equal-Weight
UBS
2025-11-10
Neutral
Neutral
Keefe, Bruyette & Woods
2025-11-04
Outperform
Outperform
TD Cowen
2025-11-03
Buy
Buy
Past News Coverage
Recent headlines mentioning AON from our newsroom.
Newest → oldest
No matching news yet.