AON PLC-CLASS A (AON) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:AON • IE00BLP1HW54

343.36 USD
-6.85 (-1.96%)
At close: Feb 5, 2026
343.36 USD
0 (0%)
After Hours: 2/5/2026, 8:04:00 PM
Fundamental Rating

5

AON gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While AON belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. AON is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • AON had positive earnings in the past year.
  • AON had a positive operating cash flow in the past year.
  • In the past 5 years AON has always been profitable.
  • In the past 5 years AON always reported a positive cash flow from operatings.
AON Yearly Net Income VS EBIT VS OCF VS FCFAON Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • With an excellent Return On Assets value of 7.28%, AON belongs to the best of the industry, outperforming 91.16% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 39.51%, AON belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
  • AON has a Return On Invested Capital of 13.48%. This is amongst the best in the industry. AON outperforms 97.28% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for AON is above the industry average of 14.94%.
Industry RankSector Rank
ROA 7.28%
ROE 39.51%
ROIC 13.49%
ROA(3y)6.75%
ROA(5y)6.42%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.99%
ROIC(5y)17.08%
AON Yearly ROA, ROE, ROICAON Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200 -400

1.3 Margins

  • AON's Profit Margin of 21.51% is amongst the best of the industry. AON outperforms 91.16% of its industry peers.
  • In the last couple of years the Profit Margin of AON has grown nicely.
  • With an excellent Operating Margin value of 27.49%, AON belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
  • AON's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 47.70%, AON belongs to the best of the industry, outperforming 94.56% of the companies in the same industry.
Industry RankSector Rank
OM 27.49%
PM (TTM) 21.51%
GM 47.7%
OM growth 3Y-2.31%
OM growth 5Y1.75%
PM growth 3Y1.21%
PM growth 5Y3.86%
GM growth 3YN/A
GM growth 5YN/A
AON Yearly Profit, Operating, Gross MarginsAON Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), AON is creating value.
  • AON has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AON has less shares outstanding
  • AON has a better debt/assets ratio than last year.
AON Yearly Shares OutstandingAON Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
AON Yearly Total Debt VS Total AssetsAON Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • Based on the Altman-Z score of 1.79, we must say that AON is in the distress zone and has some risk of bankruptcy.
  • AON has a better Altman-Z score (1.79) than 90.48% of its industry peers.
  • AON has a debt to FCF ratio of 4.74. This is a neutral value as AON would need 4.74 years to pay back of all of its debts.
  • AON has a Debt to FCF ratio of 4.74. This is in the lower half of the industry: AON underperforms 63.27% of its industry peers.
  • AON has a Debt/Equity ratio of 1.57. This is a high value indicating a heavy dependency on external financing.
  • AON has a worse Debt to Equity ratio (1.57) than 91.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.57
Debt/FCF 4.74
Altman-Z 1.79
ROIC/WACC1.93
WACC6.99%
AON Yearly LT Debt VS Equity VS FCFAON Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

  • AON has a Current Ratio of 1.11. This is a normal value and indicates that AON is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.11, AON belongs to the top of the industry, outperforming 82.31% of the companies in the same industry.
  • A Quick Ratio of 1.11 indicates that AON should not have too much problems paying its short term obligations.
  • The Quick ratio of AON (1.11) is better than 82.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
AON Yearly Current Assets VS Current LiabilitesAON Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • AON shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.46%, which is quite good.
  • AON shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.75% yearly.
  • Looking at the last year, AON shows a quite strong growth in Revenue. The Revenue has grown by 9.45% in the last year.
  • Measured over the past years, AON shows a quite strong growth in Revenue. The Revenue has been growing by 9.20% on average per year.
EPS 1Y (TTM)8.46%
EPS 3Y8.46%
EPS 5Y11.75%
EPS Q2Q%9.73%
Revenue 1Y (TTM)9.45%
Revenue growth 3Y11.25%
Revenue growth 5Y9.2%
Sales Q2Q%3.69%

3.2 Future

  • Based on estimates for the next years, AON will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.87% on average per year.
  • Based on estimates for the next years, AON will show a small growth in Revenue. The Revenue will grow by 4.77% on average per year.
EPS Next Y12.98%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
EPS Next 5Y10.87%
Revenue Next Year4.77%
Revenue Next 2Y5.48%
Revenue Next 3Y5.65%
Revenue Next 5Y4.77%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AON Yearly Revenue VS EstimatesAON Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
AON Yearly EPS VS EstimatesAON Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

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2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.13, AON is valued on the expensive side.
  • AON's Price/Earnings ratio is a bit more expensive when compared to the industry. AON is more expensive than 70.07% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. AON is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 17.81 indicates a rather expensive valuation of AON.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AON indicates a slightly more expensive valuation: AON is more expensive than 66.67% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of AON to the average of the S&P500 Index (27.20), we can say AON is valued slightly cheaper.
Industry RankSector Rank
PE 20.13
Fwd PE 17.81
AON Price Earnings VS Forward Price EarningsAON Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 62.59% of the companies in the same industry are cheaper than AON, based on the Enterprise Value to EBITDA ratio.
  • 66.67% of the companies in the same industry are cheaper than AON, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.93
EV/EBITDA 15.14
AON Per share dataAON EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • AON has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.55
PEG (5Y)1.71
EPS Next 2Y12.7%
EPS Next 3Y11.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.85%, AON is not a good candidate for dividend investing.
  • AON's Dividend Yield is slightly below the industry average, which is at 2.24.
  • Compared to an average S&P500 Dividend Yield of 1.82, AON's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.85%

5.2 History

  • The dividend of AON is nicely growing with an annual growth rate of 10.19%!
  • AON has paid a dividend for at least 10 years, which is a reliable track record.
  • AON has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)10.19%
Div Incr Years5
Div Non Decr Years5
AON Yearly Dividends per shareAON Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 17.02% of the earnings are spent on dividend by AON. This is a low number and sustainable payout ratio.
  • The dividend of AON is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP17.02%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
AON Yearly Income VS Free CF VS DividendAON Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
AON Dividend Payout.AON Dividend Payout, showing the Payout Ratio.AON Dividend Payout.PayoutRetained Earnings

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AON PLC-CLASS A

NYSE:AON (2/5/2026, 8:04:00 PM)

After market: 343.36 0 (0%)

343.36

-6.85 (-1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-30
Earnings (Next)02-19
Inst Owners87.86%
Inst Owner Change-1.68%
Ins Owners1.06%
Ins Owner Change-1.17%
Market Cap73.80B
Revenue(TTM)17.18B
Net Income(TTM)3.69B
Analysts75.71
Price Target404.7 (17.86%)
Short Float %0.93%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 0.85%
Yearly Dividend2.92
Dividend Growth(5Y)10.19%
DP17.02%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.58%
Min EPS beat(2)1.44%
Max EPS beat(2)3.73%
EPS beat(4)3
Avg EPS beat(4)-0.01%
Min EPS beat(4)-6.82%
Max EPS beat(4)3.73%
EPS beat(8)5
Avg EPS beat(8)0.08%
EPS beat(12)6
Avg EPS beat(12)-0.7%
EPS beat(16)9
Avg EPS beat(16)-0.09%
Revenue beat(2)1
Avg Revenue beat(2)-1.42%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)0.03%
Revenue beat(4)1
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-3.71%
Max Revenue beat(4)0.03%
Revenue beat(8)1
Avg Revenue beat(8)-1.61%
Revenue beat(12)2
Avg Revenue beat(12)-1.09%
Revenue beat(16)2
Avg Revenue beat(16)-1.47%
PT rev (1m)-0.59%
PT rev (3m)-3.76%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)-1.3%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.85%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.01%
Valuation
Industry RankSector Rank
PE 20.13
Fwd PE 17.81
P/S 4.3
P/FCF 22.93
P/OCF 21.2
P/B 7.89
P/tB N/A
EV/EBITDA 15.14
EPS(TTM)17.06
EY4.97%
EPS(NY)19.27
Fwd EY5.61%
FCF(TTM)14.97
FCFY4.36%
OCF(TTM)16.2
OCFY4.72%
SpS79.93
BVpS43.51
TBVpS-56.63
PEG (NY)1.55
PEG (5Y)1.71
Graham Number129.23
Profitability
Industry RankSector Rank
ROA 7.28%
ROE 39.51%
ROCE 17.14%
ROIC 13.49%
ROICexc 15.01%
ROICexgc 114.84%
OM 27.49%
PM (TTM) 21.51%
GM 47.7%
FCFM 18.73%
ROA(3y)6.75%
ROA(5y)6.42%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.99%
ROIC(5y)17.08%
ROICexc(3y)33.32%
ROICexc(5y)35.57%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)22.27%
ROCE(5y)22.53%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-34.34%
ROICexc growth 5Y-11.81%
OM growth 3Y-2.31%
OM growth 5Y1.75%
PM growth 3Y1.21%
PM growth 5Y3.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 1.57
Debt/FCF 4.74
Debt/EBITDA 2.58
Cap/Depr 27.23%
Cap/Sales 1.53%
Interest Coverage 250
Cash Conversion 61.19%
Profit Quality 87.09%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 1.79
F-Score8
WACC6.99%
ROIC/WACC1.93
Cap/Depr(3y)52.48%
Cap/Depr(5y)54.74%
Cap/Sales(3y)1.6%
Cap/Sales(5y)1.5%
Profit Quality(3y)105.79%
Profit Quality(5y)119.42%
High Growth Momentum
Growth
EPS 1Y (TTM)8.46%
EPS 3Y8.46%
EPS 5Y11.75%
EPS Q2Q%9.73%
EPS Next Y12.98%
EPS Next 2Y12.7%
EPS Next 3Y11.94%
EPS Next 5Y10.87%
Revenue 1Y (TTM)9.45%
Revenue growth 3Y11.25%
Revenue growth 5Y9.2%
Sales Q2Q%3.69%
Revenue Next Year4.77%
Revenue Next 2Y5.48%
Revenue Next 3Y5.65%
Revenue Next 5Y4.77%
EBIT growth 1Y11.81%
EBIT growth 3Y8.67%
EBIT growth 5Y11.11%
EBIT Next Year15%
EBIT Next 3Y6.56%
EBIT Next 5Y6.03%
FCF growth 1Y14.24%
FCF growth 3Y2.11%
FCF growth 5Y4.02%
OCF growth 1Y14.7%
OCF growth 3Y2.64%
OCF growth 5Y4.58%

AON PLC-CLASS A / AON FAQ

Can you provide the ChartMill fundamental rating for AON PLC-CLASS A?

ChartMill assigns a fundamental rating of 5 / 10 to AON.


What is the valuation status of AON PLC-CLASS A (AON) stock?

ChartMill assigns a valuation rating of 2 / 10 to AON PLC-CLASS A (AON). This can be considered as Overvalued.


What is the profitability of AON stock?

AON PLC-CLASS A (AON) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for AON stock?

The Price/Earnings (PE) ratio for AON PLC-CLASS A (AON) is 20.13 and the Price/Book (PB) ratio is 7.89.


What is the financial health of AON PLC-CLASS A (AON) stock?

The financial health rating of AON PLC-CLASS A (AON) is 5 / 10.