Arthur J. Gallagher (MIL:1AJG) Debt-to-EBITDA : (As of Jun. 2026)

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MIL:1AJG Arthur J. Gallagher & Co MIL:1AJG
65 GF Score
Price €231.60
GF Value €287.50
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Arthur J. Gallagher Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Arthur J. Gallagher's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,447 Mil. Arthur J. Gallagher's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €10,891 Mil. Arthur J. Gallagher's annualized EBITDA for the quarter that ended in Jun. 2026 was €3,234 Mil. Arthur J. Gallagher's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 3.82.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Arthur J. Gallagher's Debt-to-EBITDA or its related term are showing as below:

MIL:1AJG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.94   Med: 3.66   Max: 4.35
Current: 3.56

During the past 13 years, the highest Debt-to-EBITDA Ratio of Arthur J. Gallagher was 4.35. The lowest was 2.94. And the median was 3.66.

MIL:1AJG's Debt-to-EBITDA is ranked worse than
83.71% of 313 companies
in the Insurance industry
Industry Median: 1.24 vs MIL:1AJG: 3.56

Arthur J. Gallagher  (MIL:1AJG) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Arthur J. Gallagher Debt-to-EBITDA Related Terms


Arthur J. Gallagher Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Arthur J. Gallagher's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Arthur J. Gallagher Debt-to-EBITDA Chart

Arthur J. Gallagher Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Arthur J. Gallagher Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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MIL:1AJG vs AON, MRSH, WTW: Debt-to-EBITDA Comparison

For the Insurance Brokers subindustry, Arthur J. Gallagher's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Arthur J. Gallagher Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Arthur J. Gallagher's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Arthur J. Gallagher's Debt-to-EBITDA falls into.


MIL:1AJG
65GF Score
Arthur J. Gallagher & Co MIL:1AJG
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arthur J. Gallagher Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Arthur J. Gallagher's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(737.36642683809 + 10744.603857125) / 3218.2092500552
=3.57

Arthur J. Gallagher's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1446.6894078545 + 10891.279629144) / 3233.8253385151
=3.82

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is Arthur J. Gallagher (MIL:1AJG) Overvalued in 2026?

Based on GuruFocus' analysis, Arthur J. Gallagher stock appears to be undervalued. The current stock price of €231.60 is trading 19.4% below its estimated GF Value™ of €287.50. GuruFocus considers Arthur J. Gallagher to be Modestly Undervalued.

Key valuation signals for MIL:1AJG:

  • Debt-to-EBITDA:
  • GF Value™: €287.50 vs. price of €231.60 (19.4% below fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the MIL:1AJG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Arthur J. Gallagher Business Description

Address 2850 Golf Road, Rolling Meadows, IL, USA, 60008-4050
Founded in 1927 as a one-person agency, Gallagher's primary business is insurance brokerage, with a focus on serving middle-market companies. The company's risk management segment provides third-party claims adjustment to companies that choose to self-insure. Gallagher has about 72,000 employees and generates about a third of its revenue internationally, primarily in Australia, Canada, New Zealand, and the UK.
65GF Score

Get the complete analysis for MIL:1AJG

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€231.60
Price
€287.50
GF Value