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Arthur J. Gallagher
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Arthur J. Gallagher Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved over 30% Q4 revenue growth and 21% full-year 2025 revenue growth, with organic growth of 5-6% and adjusted EBITDA/EBITDAC up 26-30%, marking 20+ consecutive quarters of double-digit top-line and EBITDA growth.
Completed the $13.8B acquisition of AssuredPartners in August 2025, with integration ahead of plan and expected annualized run-rate synergies of $160M by end of 2026 and $260–$280M by early 2028.
Clean energy investments provided substantial after-tax cash flow, with a $713M tax credit carryforward at year-end 2025 and projected annual after-tax cash flows over $150M in 2026.
Financial highlights
Brokerage segment Q4 revenue up 38% with 5-6% organic growth, adjusted EBITDA/EBITDAC margin at 32.2%, and full-year margin at 32.2-36.5%.
Risk management segment Q4 revenue up 13%, organic growth 6-7%, and adjusted EBITDA/EBITDAC margin at 21-21.6%.
4Q25 total company revenue: $3.59B; FY25: $13.78B; 4Q25 adjusted net earnings: $620M; FY25 adjusted net earnings: $2.79B.
EPS for Brokerage was $2.74 in Q4, Risk Management $0.22, both above consensus; FY25 adjusted EPS: $10.69.
Outlook and guidance
2026 organic revenue growth estimated at 5.5% for Brokerage and 7% for Risk Management, with underlying margin expansion of 40-60 bps and additional AssuredPartners synergies expected.
Clean energy investments projected to generate over $150M in annual after-tax cash flow in 2026 and over $200M in subsequent years.
M&A pipeline robust, with over 40 term sheets representing $350M in annualized revenue.
Assured Partners' Q4 2025 margin impact?
Rationale for clean energy investments?
Drivers of Q4 2025 effective tax rate?
M&A pipeline: How will AP impact deal flow?
AI's role in small commercial vs. internal ops?
Casualty pricing outlook for 2026 organic growth?
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Profits fell across most segments, but energy shipping and a major acquisition stood out.
Next Arthur J. Gallagher earnings date
Q1 202630 Apr, 2026
Arthur J. Gallagher
Next Arthur J. Gallagher earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Arthur J. Gallagher & Co. is an international insurance brokerage and risk management services firm, providing clients with insurance, risk management, and benefit consulting solutions. They offer global expertise in risk management and employee benefits consultation through their array of insurance offerings and provide leading-edge technology to deliver cost-effective solutions. The company was incorporated in 1927 and is headquartered in Rolling Meadows, Illinois.
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