Arthur J. Gallagher & Co.
-0.66 %
33.53 %
Yet to be announced
Company Overview
Arthur J. Gallagher & Co. provides insurance brokerage, consulting, third-party claims settlement, and administration services in the United States, Australia, Bermuda, Canada, the Caribbean, New Zealand, India, and the United Kingdom. It operates through Brokerage and Risk Management segments. The company offers its services through a network of correspondent insurance brokers and consultants.
Revenue Sources
PassAfter analyzing the company's revenue sources, the primary income streams come from insurance brokerage, risk management, and consulting services. These activities are permissible from an Islamic finance perspective as they involve real service provision and risk management rather than conventional insurance underwriting.
The company acts as a broker/intermediary and does not engage in conventional insurance underwriting, which would be considered haram. Their revenue is derived from fees and commissions for facilitating insurance and risk management services.
Reliance on Interest
| Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
|---|---|---|---|---|---|---|
| March 31, 2025 | $3.57b | $158.4m | $-160,000,000.0 | $158.4m | 4.44% | 100.00% |
| Dec. 31, 2024 | $2.61b | $101.9m | $-100,000,000.0 | $101.9m | 3.90% | 100.00% |
| Sept. 30, 2024 | $2.71b | $92.9m | $-93,000,000.0 | $92.9m | 3.42% | 100.00% |
| June 30, 2024 | $2.68b | $94.3m | $-94,000,000.0 | $94.3m | 3.52% | 100.00% |
Based on the financial data from the last four quarters, the interest expense to total expense ratio has been consistently below the 5% threshold. The company's interest expenses are primarily related to operational financing and do not indicate that interest-based activities are core to their business model.
Operational Ethics
PassBased on available public information and SEC filings, there is no evidence of significant ongoing associations with entities involved in human rights violations. The company maintains a global presence but operates within standard business practices and regulatory frameworks.
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