Compare Stocks › AJG vs INTU
Arthur J. Gallagher & Co. (AJG) vs Intuit Inc. (INTU)
AJG
Arthur J. Gallagher & Co.
$209.68
VS
INTU
Intuit Inc.
$455.24
Rewards
AJG
- ★Free cash flow has grown at a 13.9% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $11.75 of market value — management is an exceptional capital allocator.
INTU
- ★Gross margin of 80.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Intuit Inc. scores 79/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Free cash flow has grown at a 18.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
Risks
AJG
- ⚠Share count has increased by 21% over the past 4 years, diluting existing shareholders.
- ⚠Altman Z-Score of 1.31 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠5 insider sales totaling $10.4M with no purchases in the past 3 months — insiders are reducing their exposure.
INTU
- ⚠24 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
Key Valuation Metrics
Learn more →AJG
INTU
Valuation
$1.78B
Free Cash Flow
$5.30B
3.31%
FCF Yield
4.18%
36.47
Trailing P/E
29.58
14.12
Forward P/E
17.19
Quality & Moat
2.90%
ROIC
N/A
6.40%
ROE
N/A
42.16%
Gross Margin
80.90%
N/A
PEG Ratio
N/A
Balance Sheet Safety
0.58
Debt / Equity
N/A
N/A
Interest Coverage
No debt
3.51
Net Debt / EBITDA
0.00
1.34%
Dividend Yield
1.02%
AJG: 2INTU: 5
AJGINTU
Historical Fundamentals
Learn more →AJG
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
INTU
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AJG
$11.75
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.26B
Δ Market Cap
+$26.56B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
INTU
$12.31
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$6.10B
Δ Market Cap
+$75.17B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AJG
86.2% Overvalued
Price is 86.2% above estimated fair value
Current Price: $209.68
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $112.64
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
INTU
5.8% Overvalued
Price is 5.8% above estimated fair value
Current Price: $455.24
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $430.46
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AJG
What growth rate is the market pricing in at $210?
+18.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +16.1%
The market implies +18.5% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +16.1%, reflecting heavy growth investment.
INTU
What growth rate is the market pricing in at $455?
+14.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +10.1%
The market implies +14.4% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +10.1%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →AJG
66/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
INTU
79/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AJG
-1.94
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
INTU
-2.65
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AJG
Insiders 0.9%Institutions 93.5%Retail & Other 5.5%
No. of Institutional Holders1,732
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
INTU
Insiders 2.4%Institutions 90.6%Retail & Other 7.1%
No. of Institutional Holders3,066
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AJG
0
Buys (3M)
2
Buys (12M)
Total value (12M): $1.01M
PESCH MICHAEL ROBERT
Officer
$988,488
@ $247.12 · 2025-11-03
PESCH MICHAEL ROBERT
President
$18,784
@ $318.37 · 2025-06-18
GALLAGHER PATRICK MURPHY
Chief Operating Officer
$316,814
@ $284.14 · 2024-12-23
Open market purchases · includes direct & indirect ownership · excludes option exercises
INTU
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AJG
5
Sells (3M)
17
Sells (12M)
Total value (12M): $41.59M
HUDSON SCOTT R
Officer
$864,766
@ $227.57 · 2026-03-06
MEAD CHRISTOPHER E.
Officer
$908,472
@ $227.12 · 2026-03-05
GALLAGHER J PATRICK JR
Chief Executive Officer
$6.32M
@ $230.31 · 2026-03-02
MEAD CHRISTOPHER E.
Officer
$1.03M
@ $258.11 · 2025-12-23
HOWELL DOUGLAS K
Chief Financial Officer
$1.29M
@ $258.05 · 2025-12-22
BAY WALTER D
General Counsel
$4.04M
@ $255.00 · 2025-12-19
MEAD CHRISTOPHER E.
Officer
$313,425
@ $250.74 · 2025-11-21
CARY RICHARD C
Officer
$1.57M
@ $261.00 · 2025-11-18
HOWELL DOUGLAS K
Chief Financial Officer
$4.19M
@ $299.42 · 2025-09-22
HOWELL DOUGLAS K
Chief Financial Officer
$899,334
@ $299.78 · 2025-09-09
HUDSON SCOTT R
Officer
$3.83M
@ $297.60 · 2025-09-08
CARY RICHARD C
Officer
$1.22M
@ $306.00 · 2025-08-21
HUDSON SCOTT R
Officer
$3.54M
@ $337.17 · 2025-05-21
PIETRUCHA SUSAN E
Officer
$4.65M
@ $344.13 · 2025-05-19
JOHNSON DAVID S
Director
$342,038
@ $342.04 · 2025-05-16
CARY RICHARD C
Officer
$4.07M
@ $339.51 · 2025-05-07
HUDSON SCOTT R
Officer
$2.51M
@ $333.59 · 2025-03-21
GALLAGHER PATRICK MURPHY
Chief Operating Officer
$868,870
@ $332.52 · 2025-02-27
ZIEBELL WILLIAM F
Officer
$2.29M
@ $324.41 · 2025-02-18
BAY WALTER D
General Counsel
$3.27M
@ $326.62 · 2025-02-13
JOHNSON DAVID S
Director
$104,670
@ $322.06 · 2025-02-12
CARY RICHARD C
Officer
$3.23M
@ $322.99 · 2025-02-10
BARRAT SHERRY S
Director
$760,831
@ $304.33 · 2025-02-03
MEAD CHRISTOPHER E.
Officer
$877,569
@ $302.61 · 2025-02-03
HUDSON SCOTT R
Officer
$7.06M
@ $306.59 · 2025-02-03
BARRAT SHERRY S
Director
$258,698
@ $294.64 · 2024-11-08
MEAD CHRISTOPHER E.
Officer
$803,600
@ $287.00 · 2024-10-28
HOWELL DOUGLAS K
Chief Financial Officer
$1.99M
@ $284.70 · 2024-10-28
HOWELL DOUGLAS K
Chief Financial Officer
$1.99M
@ $284.68 · 2024-09-19
PESCH MICHAEL ROBERT
President
$2.10M
@ $296.20 · 2024-09-13
GALLAGHER THOMAS JOSEPH
President
$4.24M
@ $282.96 · 2024-08-08
HOWELL DOUGLAS K
Chief Financial Officer
$2.48M
@ $285.07 · 2024-08-01
BAY WALTER D
General Counsel
$1.80M
@ $284.06 · 2024-07-30
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
INTU
2
Sells (3M)
24
Sells (12M)
Total value (12M): $121.78M
DALZELL RICHARD L
Director
$457,046
@ $457.50 · 2026-03-12
AUJLA SANDEEP S
Chief Financial Officer
$840,097
@ $629.76 · 2026-01-05
AUJLA SANDEEP S
Chief Financial Officer
$741,172
@ $675.02 · 2025-12-19
DALZELL RICHARD L
Director
$219,763
@ $659.95 · 2025-12-11
DALZELL RICHARD L
Director
$435,354
@ $653.68 · 2025-12-10
AUJLA SANDEEP S
Chief Financial Officer
$792,160
@ $677.06 · 2025-10-03
DALZELL RICHARD L
Director
$665,951
@ $666.62 · 2025-09-11
AUJLA SANDEEP S
Chief Financial Officer
$27,930
@ $665.00 · 2025-08-25
DALZELL RICHARD L
Director
$255,887
@ $768.43 · 2025-07-10
DALZELL RICHARD L
Director
$521,891
@ $783.62 · 2025-07-09
BALAZS ALEX G
Chief Technology Officer
$689,400
@ $782.52 · 2025-07-08
AUJLA SANDEEP S
Chief Financial Officer
$2.03M
@ $782.22 · 2025-07-03
NOTARAINNI MARK PHILLIP
Officer
$887,583
@ $774.51 · 2025-07-02
AUJLA SANDEEP S
Chief Financial Officer
$1.25M
@ $773.90 · 2025-07-02
HOTZ LAUREN DALE
Officer
$1.36M
@ $784.24 · 2025-06-27
BALAZS ALEX G
Chief Technology Officer
$1.12M
@ $771.24 · 2025-06-05
TESSEL MARIANNA
Officer
$26.12M
@ $760.84 · 2025-06-03
FENNELL LAURA A
Officer
$19.29M
@ $752.25 · 2025-05-29
FENNELL LAURA A
Officer
$30.46M
@ $738.61 · 2025-05-28
NOTARAINNI MARK PHILLIP
Officer
$340,143
@ $725.25 · 2025-05-27
AUJLA SANDEEP S
Chief Financial Officer
$11.66M
@ $726.15 · 2025-05-27
MCLEAN KERRY JEAN
General Counsel
$12.18M
@ $729.16 · 2025-05-27
FENNELL LAURA A
Officer
$5.00M
@ $612.45 · 2025-03-24
TESSEL MARIANNA
Officer
$4.43M
@ $600.13 · 2025-03-21
BURTON EVE B
Director
$1.02M
@ $600.00 · 2025-03-20
HOTZ LAUREN DALE
Officer
$667,838
@ $619.52 · 2025-01-10
AUJLA SANDEEP S
Chief Financial Officer
$814,350
@ $626.42 · 2025-01-08
FENNELL LAURA A
Officer
$2.94M
@ $613.70 · 2025-01-07
NOTARAINNI MARK PHILLIP
Officer
$228,121
@ $630.17 · 2025-01-03
AUJLA SANDEEP S
Chief Financial Officer
$68,506
@ $628.50 · 2025-01-03
BALAZS ALEX G
Chief Technology Officer
$15.86M
@ $665.98 · 2024-12-12
FENNELL LAURA A
Officer
$5.06M
@ $657.64 · 2024-12-10
MCLEAN KERRY JEAN
General Counsel
$11.16M
@ $650.78 · 2024-12-09
NOTARAINNI MARK PHILLIP
Officer
$6.21M
@ $646.47 · 2024-12-05
NOTARAINNI MARK PHILLIP
Officer
$2.36M
@ $646.83 · 2024-12-05
AUJLA SANDEEP S
Chief Financial Officer
$2.47M
@ $617.42 · 2024-10-10
AUJLA SANDEEP S
Chief Financial Officer
$466,015
@ $601.31 · 2024-10-03
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AJG
😨Fear(30/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
INTU
😐Neutral(41/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AJG
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (30)
INTU
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (41)