Aon PLC (AON) Fair Value & Analysis
Financial Services · US · Market cap $78.4B · ISIN IE00BLP1HW54
What is Aon PLC really worth?
Aon PLC
AON · US
A solid business, but trading 45% above our fair value of $224.91.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Share price −8.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($281.13). The favourable scenario is already priced in.
- Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $217.92 – $404.78 · fair‑value band $168.68 – $281.13 · the $327.00 price screens above the $224.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Aon PLC (AON) currently trades at $327.00, while our model-based Fair Value estimate is $224.91, implying the stock looks roughly 45.4% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $218.75 per share, and 0 of the 6 models we run sit above the $327.00 price. Bear case: the Asset-Based group reads lowest at $29.95, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Aon PLC generated revenue of $17.5B at a net margin of 22.5%. Revenue grew 6.5% year over year. It earns a return on equity of 46.5%. Net debt stands at $15.3B. Fundamentals as of Aug 13, 2026
Our scenario range runs from $168.68 (bear case) to $281.13 (bull case); at $327.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 13% below its 52-week high and 8% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −43% fair-value upside, at −31%, AON screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $10.30 per share, which is 4.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit ($218.75) versus Asset-Based ($29.95). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 47
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Aon plc operates as a professional services firm in the United States, rest of the Americas, the United Kingdom, Ireland, rest of Europe, the Middle East, Africa, and the Asia Pacific. It operates through Risk Capital and Human Capital segments.
Full company description
Aon plc operates as a professional services firm in the United States, rest of the Americas, the United Kingdom, Ireland, rest of Europe, the Middle East, Africa, and the Asia Pacific. It operates through Risk Capital and Human Capital segments. The company offers commercial risk solutions comprising retail and insurance brokerage, specialty solutions, global risk consulting, captives management, and affinity programs; health solutions, such as consulting and brokerage, consumer benefits, and talent advisory services; and wealth solutions, including retirement consulting and investments. It also provides treaty and facultative reinsurance; strategy and technology group solutions; insurance-linked securities, capital raising, strategic advice, restructuring, and merger and acquisition services; and risk management products and solutions, capital market solutions, and corporate finance advisory services. In addition, the company offers strategic design advice and actuarial services; pension risk transfer and integrated pension administration; and investment advisory services on developing and maintaining investment programs across various plan types, including defined benefit plans, defined contribution plans, master trusts, and pooled employer plans for corporations, public pensions, endowments, and foundations. Aon plc was incorporated in 1979 and is headquartered in Dublin, Ireland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Aon PLC reported revenue of $17.2B in FY2025 versus $12.2B in FY2021, a compound +9.0%/yr. Reported net income was $3.7B in FY2025, compounding +31.0%/yr from FY2021.
of which total revenue +4.6 % · buybacks/dilution +3.4 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
AON screens 45% overvalued. Compare with Marsh & McLennan Companies, Inc →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- US Employer Healthcare Costs Could Top $19,000 Per Worker in 2027 as Aon Warns of 9.5% Surge
- AON Sees No Relief From Health-Cost Inflation: WTW, UNH & CNC in Focus
- AON's Buybacks Offset Balance Sheet Risks: Is the Stock a Hold?
- Aon: U.S. Employer Health Care Costs Continue Multi-Year Climb, Projected to Rise 9.5% in 2027
Peer Group
Insurance Brokers · 36 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $193.40 | $112.25 | −42% |
| Arthur J. Gallagher & Co AJG | $267.56 | $75.58 | −72% |
| Willis Towers Watson Public Limited WTW | $350.75 | $220.92 | −37% |
| Brown & Brown, Inc BRO | $71.39 | $40.43 | −43% |
| Erie Indemnity Company ERIE | $260.40 | $113.32 | −56% |
| PB Fintech Limited POLICYBZR | ₹1,791 | ₹205.02 | −89% |
| Neptune Insurance Holdings NP | $32.70 | $3.52 | −89% |
| Steadfast Group SDF | A$5.27 | A$3.92 | −26% |
| CorVel Corporation CRVL | $69.74 | $39.55 | −43% |
| Accelerant Holdings ARX | $19.67 | $30.47 | +55% |
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