Core Insights - Aon plc reported third-quarter 2025 adjusted earnings of $3.05 per share, exceeding the Zacks Consensus Estimate by 5.5%, with a 12% increase year-over-year [1][10] - Total revenues rose 7% year-over-year to $4 billion, surpassing the consensus mark by 1.4%, driven by new business growth and strong retention rates [1][10] - Organic revenue growth was recorded at 7% [1] Financial Performance - Total operating expenses increased 3% year-over-year to $3.2 billion, influenced by organic revenue growth and increased intangible asset amortization [3] - Adjusted operating income advanced 15% year-over-year to $1.1 billion, beating estimates by 1.9%, with an adjusted operating margin of 26.3%, improving by 170 basis points [4] Segmental Performance - **Risk Capital**: - Commercial Risk Solutions saw organic revenues grow 7% year-over-year to $2 billion, exceeding the Zacks Consensus Estimate by 1.1% [5] - Reinsurance Solutions experienced an 8% organic revenue increase to $537 million, surpassing the consensus mark of $531.4 million [6] - **Human Capital**: - Health Solutions reported a 6% organic revenue growth, with revenues of $935 million, beating the Zacks Consensus Estimate of $927.4 million [7] - Wealth Solutions improved by 5% year-over-year, with revenues growing 8% to $540 million, exceeding the consensus mark of $524.4 million [8] Financial Position - As of September 30, 2025, Aon had cash and cash equivalents of $1.1 billion, a 0.9% increase from the end of 2024, and total assets of $51.6 billion, up from $49 billion [9] - Long-term debt decreased to $15.1 billion from $16.3 billion at the end of 2024, while cash flow from operations rose to $1.1 billion, up from $1 billion a year ago [11] Capital Deployment - Aon repurchased 0.7 million class A ordinary shares for approximately $250 million in the third quarter, with a remaining capacity of around $1.6 billion under its repurchase authorization [12] Forward Guidance - Aon expects mid-single-digit or higher organic revenue growth for 2025 and beyond, with anticipated expansion in adjusted operating margin and strong growth in adjusted EPS [13] - The Aon United Restructuring program is projected to achieve total annual run-rate savings of approximately $350 million by the end of 2026 [14]

Financial Performance - Aon achieved 7% organic revenue growth in Q3 2025, consistent with Q3 2024[8, 9] - Adjusted operating margin expanded by 170 basis points to 26.3%[8, 9, 15] - Adjusted earnings per share (EPS) grew by 12%[8, 9] - Free cash flow increased by 13% to $1.079 billion in Q3 2025[8, 9] Segment Performance - Commercial Risk Solutions and Reinsurance Solutions both experienced organic revenue growth of 7% and 8% respectively[10, 24] - Health Solutions saw organic revenue growth of 6%, while Wealth Solutions grew by 5%[10, 24] Capital Allocation - The company remains disciplined in capital allocation, balancing strategic investments with capital return to shareholders[8] - Capital return to shareholders included $161 million in dividends and $411 million in share repurchases in Q3 2025[19] Guidance and Outlook - Aon is on track to achieve its full-year 2025 financial commitments and expects to enter 2026 with strong momentum[8] - The company anticipates mid-single-digit or greater organic revenue growth for the full year 2025[12, 20]

Core Insights - Aon plc is scheduled to report its third-quarter 2025 results on October 31, 2025, with earnings estimated at $2.89 per share and revenues of $3.94 billion [1][6] Earnings Estimates - The earnings estimate has remained stable over the past 60 days, indicating a year-over-year increase of 6.3%, while revenue is projected to grow by 5.9% year-over-year [2] - Aon has beaten the consensus estimate for earnings in three of the last four quarters, with an average surprise of 3% [3] Earnings Prediction Model - Aon's earnings prediction model suggests a likely earnings beat, supported by a positive Earnings ESP of +0.60% and a Zacks Rank of 3 (Hold) [4] Revenue Growth by Segment - Commercial Risk Solutions is expected to see a revenue growth of 6.1% from $1.85 billion a year ago, with a forecast of 5% organic growth [5][6] - Health Solutions is projected to grow by 6.6% year-over-year, supported by global expansion initiatives [7] - Reinsurance Solutions is estimated to grow by 5.6% from $503 million last year, aided by favorable retention rates and new business generation [8] - Wealth Solutions is expected to see a 5.1% increase from $499 million, driven by sustained demand for advisory services [9] Expense Outlook - Total operating expenses are projected to rise by 3.5%, primarily due to increased compensation and benefits costs, with general expenses estimated at $411.3 million and compensation costs exceeding $2.2 billion [11][10] Peer Performance Comparison - Marsh & McLennan reported adjusted earnings of $1.85 per share, surpassing estimates by 3.4% with an 11% year-over-year increase [12] - Hartford Insurance reported adjusted operating earnings of $3.78 per share, exceeding estimates by 20.8% and climbing 49% year-over-year [13] - RenaissanceRe reported operating income of $15.62 per share, beating estimates by 64.6% and soaring 52.7% year-over-year [14]

Core Insights - Aon plc reported second-quarter 2025 adjusted earnings of $3.49 per share, exceeding the Zacks Consensus Estimate by 2.7% and reflecting a 19.1% increase year-over-year [1][10] - Total revenues rose 11% year-over-year to $4.2 billion, surpassing the consensus mark by 0.7%, with organic revenue growth at 6% [1][10] Financial Performance - The strong quarterly results were driven by new business growth and solid retention rates, particularly in Aon's Risk Capital and Human Capital segments, aided by NFP acquisition synergies and net restructuring savings [2] - Total operating expenses increased 6% year-over-year to $3.3 billion, influenced by higher costs from the NFP acquisition and long-term growth investments [3] - Adjusted operating income advanced 14% year-over-year to $1.2 billion, with an adjusted operating margin of 28.2%, improving by 80 basis points year-over-year [4] Segmental Performance - **Risk Capital**: - Commercial Risk Solutions saw organic revenues grow 6% year-over-year, with revenues of $2.2 billion, an 8% increase [5] - Reinsurance Solutions experienced organic revenue growth of 6%, with revenues increasing 8% year-over-year to $688 million, surpassing the consensus estimate [6] - **Human Capital**: - Health Solutions reported organic revenue growth of 6%, with revenues climbing 17% year-over-year to $772 million, exceeding the consensus estimate [7] - Wealth Solutions saw organic revenues improve 3% year-over-year, with revenues growing 12% to $519 million, though it missed the consensus mark [8] Financial Position - As of June 30, 2025, Aon had cash and cash equivalents of $1 million, down from $1.1 billion at the end of 2024, while total assets increased to $54 billion from $49 billion [11] - Long-term debt decreased to $15.5 billion from $16.3 billion, with total short-term debt and current portion of long-term debt at $1.8 billion [11] - Cash flow from operations rose to $796 million from $513 million a year ago, with adjusted free cash flows increasing 59% year-over-year to $732 million [12] Capital Deployment - Aon repurchased 0.7 million class A ordinary shares for approximately $250 million in the second quarter, with a remaining repurchase capacity of around $1.8 billion [13] Forward Guidance - Aon expects mid-single-digit or higher organic revenue growth for 2025 and beyond, with anticipated expansion in adjusted operating margin and strong growth in adjusted EPS [14] - The Aon United Restructuring program is projected to achieve annual run-rate savings of approximately $350 million by the end of 2026 [15]

Core Viewpoint - Analysts expect Aon to report quarterly earnings of $3.40 per share, reflecting a 16% year-over-year increase, with revenues projected at $4.13 billion, up 9.7% from the previous year [1] Earnings Estimates - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock performance [2] Revenue Projections - Analysts predict specific revenue metrics for Aon, including: - Reinsurance Solutions revenue at $665.04 million, a 4.7% increase year-over-year [4] - Health Solutions revenue estimated at $749.67 million, reflecting a 13.2% increase [4] - Wealth Solutions revenue projected to reach $549.51 million, indicating an 18.7% increase [4] - Commercial Risk Solutions revenue expected at $2.17 billion, a 7.5% year-over-year increase [5] Organic Revenue Growth - Forecasts for organic revenue growth include: - Commercial Risk Solutions at 4.6%, down from 6.0% in the same quarter last year [5] - Reinsurance Solutions at 4.4%, compared to 7.0% in the previous year [6] - Wealth Solutions at 4.5%, down from 9.0% year-over-year [6] - Consolidated organic revenue growth estimated at 4.9%, compared to 6.0% last year [7] - Health Solutions organic revenue growth projected at 5.4%, down from 6.0% year-over-year [7] Stock Performance - Aon's shares have decreased by 2.5% over the past month, contrasting with a 5.9% increase in the Zacks S&P 500 composite, indicating a potential alignment with overall market performance [7]

Core Insights - Aon plc (AON) is set to release its second-quarter 2025 results on July 25, with earnings expected to be $3.40 per share, reflecting a 16% increase year-over-year [1][7] - Revenue estimates for the same quarter are projected at $4.1 billion, indicating a 9.7% growth compared to the previous year [2] Earnings Performance - Aon has a mixed earnings surprise history, beating estimates in two of the last four quarters with an average surprise of 0.99% [4] - The current Earnings ESP for Aon is +1.27%, with the most accurate estimate at $3.45 per share, suggesting a potential earnings beat [5] Revenue Growth Drivers - The anticipated growth in Q2 is supported by strong performance in Commercial Risk Solutions, Reinsurance Solutions, Health Solutions, and Wealth Solutions [8] - Commercial Risk Solutions is expected to generate $2.2 billion in revenue, reflecting a 7.5% year-over-year increase [9] - Reinsurance Solutions revenues are estimated at $665 million, marking a 4.7% growth from the previous year [10] - Health Solutions is projected to achieve revenues of $750 million, indicating a 13.3% increase year-over-year [11] - Wealth Solutions is expected to generate $550 million in revenue, which implies an 18.8% growth from the prior year [12] Cost Considerations - Total operating costs are anticipated to reach $3.2 billion, up 4.6% year-over-year, driven by higher compensation and IT expenses [13]

Core Insights - Aon reported $4.73 billion in revenue for Q1 2025, a 16.2% year-over-year increase, but fell short of the Zacks Consensus Estimate by 2.63% [1] - The EPS for the quarter was $5.67, slightly up from $5.66 a year ago, but also missed the consensus estimate of $6.04 by 6.13% [1] Revenue Performance - Commercial Risk Solutions achieved organic revenue growth of 5%, slightly below the average estimate of 5.5% [4] - Reinsurance Solutions reported organic revenue growth of 4%, compared to the 5.7% average estimate [4] - Wealth Solutions saw organic revenue growth of 8%, exceeding the 5.2% estimated growth [4] - Health Solutions had organic revenue growth of 5%, below the 5.9% average estimate [4] - Consolidated organic revenue growth was 5%, compared to the 5.7% average estimate [4] Revenue Breakdown - Revenue from Reinsurance Solutions was $1.19 billion, below the estimated $1.23 billion, with a year-over-year change of +1.9% [4] - Revenue from Health Solutions was $1.03 billion, slightly below the $1.04 billion estimate, representing a +40% year-over-year change [4] - Revenue from Commercial Risk Solutions was $2 billion, below the $2.10 billion estimate, with a +10.7% year-over-year change [4] - Revenue from Wealth Solutions was $519 million, exceeding the estimated $499.98 million, with a +40.3% year-over-year change [4] - Intersegment elimination reported a loss of -$7 million, slightly worse than the -$6.50 million estimate, with a year-over-year change of -12.5% [4] Stock Performance - Aon's shares have returned -8.6% over the past month, compared to the Zacks S&P 500 composite's -4.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]

Analysts on Wall Street project that Aon (AON) will announce quarterly earnings of $6.04 per share in its forthcoming report, representing an increase of 6.7% year over year. Revenues are projected to reach $4.86 billion, increasing 19.3% from the same quarter last year.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.Before ...