CFNB vs. AJG
CFNB (California First Leasing Corporation) and AJG (Arthur J. Gallagher & Co.) are both stocks. Both are in the Financial Services sector — CFNB in Credit Services, AJG in Insurance Brokers. Over the past 10 years, CFNB returned 64.30%/yr vs 20.13%/yr for AJG. At a 0.07 correlation, their price movements are largely independent.
Performance
CFNB vs. AJG - Performance Comparison
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Returns By Period
In the year-to-date period, CFNB achieves a 5,984.23% return, which is significantly higher than AJG's 1.59% return. Over the past 10 years, CFNB has outperformed AJG with an annualized return of 64.30%, while AJG has yielded a comparatively lower 20.13% annualized return.
CFNB
- 1D
- 0.00%
- 1M
- 4,900.00%
- 6M
- 6,238.69%
- YTD
- 5,984.23%
- 1Y
- 8,834.21%
- 3Y*
- 388.14%
- 5Y*
- 149.71%
- 10Y*
- 64.30%
AJG
- 1D
- 3.22%
- 1M
- 19.45%
- 6M
- -0.73%
- YTD
- 1.59%
- 1Y
- -15.20%
- 3Y*
- 7.92%
- 5Y*
- 14.66%
- 10Y*
- 20.13%
CFNB vs. AJG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFNB California First Leasing Corporation | 5,984.23% | 18.72% | 43.24% | 3.72% | -11.51% | 24.31% | -5.78% | 21.39% | -3.14% | -0.52% |
AJG Arthur J. Gallagher & Co. | 1.59% | -8.03% | 27.34% | 20.51% | 12.44% | 39.02% | 32.12% | 31.79% | 19.19% | 25.04% |
Correlation
The correlation between CFNB and AJG is -0.03, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.03 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.06 |
Correlation (5Y) Calculated over the trailing 5-year period | -0.04 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.00 |
Correlation (All Time) Calculated using the full available price history since Apr 9, 1987 | 0.07 |
The correlation between CFNB and AJG shifts across timeframes, from -0.06 (3 years) to 0.07 (all time), reflecting how their relationship changes across market environments.
Fundamentals
CFNB:
$304.85M
AJG:
$67.12B
CFNB:
$377.58
AJG:
$5.74
CFNB:
4.50
AJG:
45.53
CFNB:
0.04
AJG:
4.72
CFNB:
3.12
AJG:
4.88
CFNB:
$97.71M
AJG:
$13.94B
CFNB:
$94.08M
AJG:
$7.63B
CFNB:
$95.07M
AJG:
$3.66B
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Return for Risk
CFNB vs. AJG — Risk / Return Rank
CFNB
AJG
CFNB vs. AJG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for California First Leasing Corporation (CFNB) and Arthur J. Gallagher & Co. (AJG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFNB | AJG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.36 | ||
| Sortino ratioReturn per unit of downside risk | +463.68 | ||
| Omega ratioGain probability vs. loss probability | 92.23 | 0.93 | +91.30 |
| Calmar ratioReturn relative to maximum drawdown | 664.74 | -0.39 | +665.13 |
| Martin ratioReturn relative to average drawdown | 1,984.13 | -0.66 | +1,984.79 |
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Drawdowns
CFNB vs. AJG - Drawdown Comparison
The maximum CFNB drawdown since its inception was -75.57%, which is greater than AJG's maximum drawdown of -57.49%. Use the drawdown chart below to compare losses from any high point for CFNB and AJG.
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Drawdown Indicators
| CFNB | AJG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -75.57% | -57.49% | -18.08% |
Max Drawdown (1Y)Largest decline over 1 year | -13.53% | -38.64% | +25.11% |
Max Drawdown (3Y)Largest decline over 3 years | -23.92% | -44.40% | +20.48% |
Max Drawdown (5Y)Largest decline over 5 years | -23.92% | -44.40% | +20.48% |
Max Drawdown (10Y)Largest decline over 10 years | -31.09% | -44.40% | +13.31% |
Current DrawdownCurrent decline from peak | 0.00% | -24.11% | +24.11% |
Average DrawdownAverage peak-to-trough decline | -22.06% | -12.87% | -9.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.52% | 22.95% | -18.43% |
Volatility
CFNB vs. AJG - Volatility Comparison
California First Leasing Corporation (CFNB) has a higher volatility of 391.07% compared to Arthur J. Gallagher & Co. (AJG) at 9.70%. This indicates that CFNB's price experiences larger fluctuations and is considered to be riskier than AJG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFNB | AJG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 391.07% | 9.70% | +381.37% |
Volatility (6M)Calculated over the trailing 6-month period | 391.26% | 23.78% | +367.48% |
Volatility (1Y)Calculated over the trailing 1-year period | 4,909.57% | 29.45% | +4,880.12% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2,196.62% | 23.35% | +2,173.27% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 1,554.25% | 23.19% | +1,531.06% |
Dividends
CFNB vs. AJG - Dividend Comparison
CFNB has not paid dividends to shareholders, while AJG's dividend yield for the trailing twelve months is around 1.03%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AJG Arthur J. Gallagher & Co. | 1.03% | 1.00% | 0.85% | 0.98% | 1.08% | 1.13% | 1.46% | 1.81% | 2.23% | 2.47% | 2.93% | 3.62% |
CFNB California First Leasing Corporation | 0.00% | 0.00% | 1.70% | 0.00% | 0.00% | 3.07% | 3.56% | 3.12% | 3.53% | 3.18% | 2.94% | 3.33% |
Financials
CFNB vs. AJG - Financials Comparison
This section allows you to compare key financial metrics between California First Leasing Corporation and Arthur J. Gallagher & Co.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CFNB vs. AJG - Profitability Comparison
CFNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, California First Leasing Corporation reported a gross profit of 67.97M and revenue of 67.97M. Therefore, the gross margin over that period was 100.0%.
AJG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Arthur J. Gallagher & Co. reported a gross profit of 1.42B and revenue of 3.63B. Therefore, the gross margin over that period was 39.1%.
CFNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, California First Leasing Corporation reported an operating income of 67.05M and revenue of 67.97M, resulting in an operating margin of 98.7%.
AJG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Arthur J. Gallagher & Co. reported an operating income of 341.00M and revenue of 3.63B, resulting in an operating margin of 9.4%.
CFNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, California First Leasing Corporation reported a net income of 11.99M and revenue of 67.97M, resulting in a net margin of 17.6%.
AJG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Arthur J. Gallagher & Co. reported a net income of 151.00M and revenue of 3.63B, resulting in a net margin of 4.2%.
Frequently Asked Questions
CFNB and AJG have a correlation of -0.03, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFNB has higher volatility (391.07%) compared to AJG (9.70%). In terms of maximum drawdown, CFNB dropped -75.57% vs AJG's -57.49%.
CFNB currently has the higher Sharpe Ratio (1.84 vs -0.52), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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