Aon plc (Ireland) (Class A) (AON) — RQD Stock Rating Cockpit

$321.67 +0.01% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $321.06

Aon plc (Ireland) (Class A) (AON) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $68.24B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AON stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Aon plc (Ireland) (Class A) (NYSE: AON) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $321.67 (+0.01% 1D, market cap $68.24B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, AON ranks #171 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AON compare to AJG and MRSH in the Financials sector?
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Within the Financials sector (Specialty Insurers), AON carries a Roarable C+ (68/100 RQD), trailing P/E of 18.5x, gross margin of —, and ROIC of 15.0%. By comparison, AJG (Arthur J. Gallagher & Co.) holds a C+ grade (69/100 RQD, P/E 46.0x, ROIC 5.3%, cap $68.74B) and MRSH (Marsh) posts a B+ grade (80/100 RQD, P/E 22.5x, ROIC 10.6%, cap $93.69B). Among the 5-stock peer group, AON leads on earnings multiple (18.5x) while WTW leads on capital efficiency (16.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AON?
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Per AON's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000315293), Aon plc (Ireland) (Class A) generated $17.18B in revenue (+9.4% YoY), $3.69B in net income, and $3.22B in free cash flow against $50.78B in total assets and $14.66B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $321.06 (-0.19%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 18.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510068
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C
Cash (13)Whales (14)SEC (15)Macro (10)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
$401 Bull$336 Base$262 Bear
📬 FREE AON RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AON)Realized 20D OHLCV Swing Band: ±4.9%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY AON SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (69.4) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
60
Grade C$274.71+8% Next Q
Q2 (-2Q)
63
Grade C+$296.71+2% Next Q
Q3 (-1Q)
65
Grade C+$302.50+6.3% Next Q
Current
68
Grade C+$321.67+1.8% Hist 90D α
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AON Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, AON faces multiple-compression risk if 18.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($300.68) or 200D SMA ($325.53) invalidates the momentum regime and cuts Target Base ($336.15) toward Bear Floor ($262.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AON• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AON Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
RSI-14 MOMENTUMBULLISH MOMENTUM
69.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE48% OF RANGE
L: $266$321.67H: $382
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on AON

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

15.0% ROIC with 42.0% gross margin and 4.72% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (67)

30/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like AON
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (AON Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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AON // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.14%⚡ TESTING RESISTANCE
2026-11-02O $315.7H $321.7L $315.7C $321.7VOL 2.00M
RES: $327.9SUP: $252.7SMA50: $300.7SMA200: $325.5
$390.5$356.8$323.2$289.5$255.9RES $327.9SUP $252.7$321.72026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AON Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
11.8%/yr Implied 5Y Growth

vs. +9.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AON today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AON. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AON today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AON)

Financials Rank #171 of 1096 ⚔️ AJG vs AON Full Matrix →

1. Head-to-Head Financials Peer Comparison (AON vs. AJG, MRSH, WTW, BRO)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Aon plc (Ireland) (Class A) (AON) ranks #171 by composite RQD confidence (68/100, grade C+) and #53 by equity capitalization ($68.24B). Within this direct 5-issuer industry benchmark cohort, AON leads on earnings valuation at 18.5x trailing P/E, while WTW leads on capital efficiency and profitability with 16.6% ROIC and — gross margin. MRSH currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with AON at 68/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AON ACTIVE
Aon plc (Ireland) (Class A)
C+ 68/100 18.5x — 15.0% +0.01% $68.24B Benchmark Subject
AJG
Arthur J. Gallagher & Co.
C+ 69/100 46.0x — 5.3% +2.93% $68.74B /ajg-vs-aon →
MRSH
Marsh
B+ 80/100 22.5x — 10.6% +1.82% $93.69B /mrsh-vs-aon →
WTW
Willis Towers Watson Public Limited Company
B 74/100 18.6x — 16.6% +1.15% $29.79B /wtw-vs-aon →
BRO
Brown & Brown Inc.
B 72/100 21.3x — 4.7% +2.83% $22.50B /bro-vs-aon →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000315293

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Aon plc (Ireland) (Class A) (AON) reported GAAP revenue of $17.18B (+9.4% vs. FY2024 revenue of $15.70B , and +28.4% cumulative change since FY2023) , GAAP net income of $3.69B, operating cash flow of $3.48B, and free cash flow of $3.22B (+14.2% YoY). On the balance sheet, AON closed FY2025 with $50.78B in total assets against $14.66B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $17.18B $3.69B $3.48B $3.22B $50.78B $14.66B
FY2024 (FY) 2024-12-31 $15.70B $2.65B $3.04B $2.82B $48.97B $16.27B
FY2023 (FY) 2023-12-31 $13.38B $2.56B $3.44B $2.83B $37.53B $8.78B

3. AON Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AON stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Aon plc (Ireland) (Class A) (NYSE: AON) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $321.67 (+0.01% 1D, market cap $68.24B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, AON ranks #171 in composite RQD confidence.

How does AON compare to AJG and MRSH in the Financials sector?

Within the Financials sector (Specialty Insurers), AON carries a Roarable C+ (68/100 RQD), trailing P/E of 18.5x, gross margin of —, and ROIC of 15.0%. By comparison, AJG (Arthur J. Gallagher & Co.) holds a C+ grade (69/100 RQD, P/E 46.0x, ROIC 5.3%, cap $68.74B) and MRSH (Marsh) posts a B+ grade (80/100 RQD, P/E 22.5x, ROIC 10.6%, cap $93.69B). Among the 5-stock peer group, AON leads on earnings multiple (18.5x) while WTW leads on capital efficiency (16.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AON?

Per AON's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000315293), Aon plc (Ireland) (Class A) generated $17.18B in revenue (+9.4% YoY), $3.69B in net income, and $3.22B in free cash flow against $50.78B in total assets and $14.66B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AON trading relative to its 50-day, 200-day, and 52-week technical levels?

AON last traded at $321.67 (+0.01% on volume of 1,821,106 shares), positioning the stock +6.98% above its 50-day simple moving average ($300.68) and -1.19% below its 200-day simple moving average ($325.53). Across its 52-week range of $266.33 to $382.34, AON sits at the 47.7% percentile with a 14-day RSI of 69.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($305.91 to $337.43).

AON Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell AON stock right now?

Aon plc (Ireland) (Class A) (AON) currently earns a Roarable Rating of C+ (Hold — HOLD) with 68/100 RQD Confidence. Solid steady margins (15% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.

What is AON's 12-month price target and RQD AI Jury consensus?

AON's 12-month base price target is $336.15 (range $262.2 to $401.46), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 68/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

AON — Aon plc (Ireland) (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:10:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, AON scores 68 out of 100, equating to a C+ grade and the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 13/20 (ROIC 15%; FCF yield 4.72%), Whale 13F Flow at 14/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 10/20 (Beta 0.94; sector sensitivity), and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5). Taken together, the highest-scoring pillar is insider conviction, while macro regime fit is the weakest, indicating that the stock's current positioning is supported by insider flow and a sound balance sheet but is held back by its sector sensitivity profile. For a prospective investor, the upside driver is the combination of insider and balance-sheet strength; the valuation tradeoff is that the market data shows an 18.5x trailing P/E and a 17.9x EV/EBITDA, which the rating does not reconcile against the cash-engine score. The overall verdict is a neutral hold posture with a watch condition for a breakout, not a directional recommendation.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
$321.64$68.24B18.517.217.917.420.92%0.94$266.33 - $382.3415%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$17181.0M$4344.0M$3695.0MN/A$3218.0M$1195.0M$14660.0M
FY 2024$15698.0M$3835.0M$2654.0MN/A$2817.0M$1085.0M$16265.0M
FY 2023$13376.0M$3785.0M$2564.0MN/A$2833.1MN/A$8782.3M

Per the SEC financials, revenue rose from $13376.0M in FY 2023 to $17181.0M in FY 2025, and net income rose from $2564.0M to $3695.0M over the same span. Per the Roarable RQD rating, ROIC is 15%, Altman Z is 2.5, Piotroski F is 7/9, and Debt/Equity is 0.5. Per the market data, the gross margin is reported as 0%, which the source does not reconcile with the operating and net margins. Debt declined from $16265.0M in FY 2024 to $14660.0M in FY 2025 while cash rose from $1085.0M to $1195.0M.

Open Questions

  • What are the company's products, customers, and revenue model, given that the source profile contains only sector and industry labels?
  • Why is the reported gross margin 0% when operating and net margins are positive at 25.3% and 21.5%?
  • What explains the missing FY 2023 cash figure and the N/A EPS across all reported periods?
  • What drove the decline in debt between FY 2024 and FY 2025, and how does it relate to the Debt/Equity of 0.5?
  • What are the sector-specific macro sensitivities behind the 10/20 macro regime score?

AON Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Aon plc (Ireland) (Class A) (AON) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AON Debate Forum (3) ↓
🟢 CATALYST Yahoo Finance • 5d ago
AON Q3 Earnings Call Highlights

AON (NYSE:AON) reported 6% organic revenue growth in the third quarter of 2026, led by 7% growth in both its commercial risk and reinsurance businesses. The company said its results reflected broad-based demand for risk,

Read Full Source ↗
🟢 CATALYST Yahoo Finance • 5d ago
Aon: Q3 Earnings Snapshot

DUBLIN (AP) — DUBLIN (AP) — Aon PLC (AON) on Wednesday reported third-quarter earnings of $476 million.On a per-share basis, the Dublin-based company said it had profit of $2.

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AON Bull vs. Bear Conversation Board — What's Your Call at $321.67?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AON 🐻 50% BEARISH CONVICTION
1. Pick Your Side on AON:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $347.37 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is AON (C+ • RQD 68/100) a Buy at $321.64?

Welcome to the AON (Aon plc (Ireland) (Class A)) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Specialty Insurers. Bulls point to capital efficiency (15.0% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $257.31 (-20.0%)
Spot @ $321.64

Pump the brakes on AON — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on AON, but look at what you are paying: 18.5x trailing P/E with tightening sector spreads. Unless Aon plc (Ireland) (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $411.70 (+28.0%)
Spot @ $321.64

AON cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on AON, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $321.64 (52-wk range $266.33 - $382.34), any beat on forward guidance forces shorts and underweight funds to chase.

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