We're building our own models, broker and claims co-pilots are great examples of that, but we're also working with all the big names you know in the space.

Jul 29, 2026 / receipt

Aon Broker Copilot illustrates how through large language models and predictive capabilities, we can more efficiently embed advanced analytics directly into revenue generating workflows

Jul 29, 2026 / receipt

We're incredibly excited about the possibilities of AI to reinforce, and we mean reinforce our strategy. It's not our strategy, reinforce our strategy, accelerate it and strengthen it.

Jul 29, 2026 / receipt

Please proceed with your question. hey thanks good morning um so i just had a question it looked like more of the discretionary some of the discretionary parts of the business had a good quarter um travel and events and commercial risk solutions and human capital and health were both singled out uh in the press release and in the slides i'm wondering if you could just talk about how the pipeline looks in those businesses just given you know they do tend to be a little bit more economically sensitive sure i would say our health business had a very solid first quarter The consumer solutions part of that was up 9%.

Apr 28, 2023 / receipt, needs a key / David Mott-Maden, other | earnings call 2023-04-28 | transcript dd6912d7-dfa5-4de4-a05e-7ccce8a850aa | chars 32874-33493 | segment 32

Moving to operating performance, we delivered strong operational improvement with adjusted operating margins of 38.7%, an increase of 70 basis points, driven by organic revenue growth and efficiencies from our own business services, overcoming expense growth, including some investments in colleagues and technology to drive long-term growth, and some ongoing resumption of T&E, especially compared to the prior year period when business travel was still suppressed by COVID-19.

Apr 28, 2023 / receipt, needs a key / Krista Davies, CFO | earnings call 2023-04-28 | transcript dd6912d7-dfa5-4de4-a05e-7ccce8a850aa | chars 10843-11321 | segment 10

And we think about margins over the course of a full year, and we're balancing a number of factors, including investments in people, T&E, and IT, as well as the impacts of FX and fiduciary investment income, all with the overall goal of delivering adjusted margin expansion, net of sustainable investment, and long-term growth.

Apr 28, 2023 / receipt, needs a key / Krista, CFO | earnings call 2023-04-28 | transcript dd6912d7-dfa5-4de4-a05e-7ccce8a850aa | chars 41607-41934 | segment 41

Great question, Josh. And so what we would say is, look, we wouldn't overly read into any one quarter. It's lumpy quarter to quarter. And what we would say is think about margin expansion for the full year, which is driven by a lot of things. It's been driven by our investment in people and technology to drive long term growth, offset by some investments in T&E, a headwind from FX. There's a lot of things going into this, Josh. But really, that's why we come back to margin expansion for the full year 2023.

Apr 28, 2023 / receipt, needs a key / Christopher, CFO | earnings call 2023-04-28 | transcript dd6912d7-dfa5-4de4-a05e-7ccce8a850aa | chars 49324-49835 | segment 49

Moving to operating performance, we delivered strong operational improvement in Q4 with adjusted operating margins of 33.2%, an increase of 40 basis points. driven by organic revenue growth and efficiencies from our business services, overcoming expense growth, including investments in colleagues and technology to drive long-term growth, and some ongoing resumption of T&E.

Feb 3, 2023 / receipt, needs a key / Krista Davies, CFO | earnings call 2023-02-03 | transcript b72ca9f0-6f70-4d68-abef-41a3497ff7dd | chars 10511-10886 | segment 10

As we've previously communicated, we think about margins over the course of a full year, and we expect continued investment in colleagues and ongoing resumption of T&E, as well as ongoing investments in long-term growth like technology throughout the year.

Oct 28, 2022 / receipt, needs a key / Krista Davies, CFO | earnings call 2022-10-28 | transcript c6696092-6ff0-40f9-ae17-6ed6b943a25b | chars 12618-12874 | segment 12

You spoke in prepared remarks about higher costs expenses from T&E resumption, both as a consultant and a protector of the risk of your clients as well as internally. Can you talk about the shape that's happening, where we are relative to where we were two and a half years ago, and if we go into recession, whether we're topping out here on T&E and whatnot?

Oct 28, 2022 / receipt, needs a key / Krista, other | earnings call 2022-10-28 | transcript c6696092-6ff0-40f9-ae17-6ed6b943a25b | chars 39847-40205 | segment 40

So I would say T&E is obviously up from, you know, 2020 and 2021 levels. It's not back to 2019 levels really because we're actually very thoughtful about how we do the work. And, you know, we've implemented smart working, which I know Greg talked about in relation to our engagement survey. It's one of the things that's driving employee engagement to the highest levels in our history. because we're very thoughtful about where is the best place. And there are a number of areas, and Eric, you might want to talk about them, where we're doing work in different ways and it has a higher impact on clients.

Oct 28, 2022 / receipt, needs a key / Krista, other | earnings call 2022-10-28 | transcript c6696092-6ff0-40f9-ae17-6ed6b943a25b | chars 40243-40848 | segment 41

So we were able to bring that capability without the big expense of travel and entertainment. We were able to deliver the capability and we gained the hours that we would have lost to the flights and the jet lag and everything else that we all know about in a way that drives more productivity. So that's just one example. There's many of them that follow the similar path. We just did a big renewal meeting, for example, for a big U.S. client where we used the immersion room in our New York office and brought in the European insurers and reinsurers and the London European insurers and reinsurers and essentially did what would have been a three-week trip, turned it into a five-hour session in one location. And so, again, saves time, saves money. But more importantly, the clients are finding value in it. They actually feel like they're getting that connection with the markets that they want. And our colleagues, it absolutely allows us to show off our global colleagues in a way that you don't really get to do when you're traveling place to place and so focused on schedule. So we're really excited about it. And Krista said it's driving engagement and, more importantly, productivity.

Oct 28, 2022 / receipt, needs a key / Eric, other | earnings call 2022-10-28 | transcript c6696092-6ff0-40f9-ae17-6ed6b943a25b | chars 41964-43158 | segment 42

You know, last quarter on your conference call, you guys had alluded to, you know, if you go into a recession, there could be an impact on the discretionary pieces of your business, which I believe is around 20% of your revenue. I was just hoping for you guys to expand just upon, you know, if we do go into a recession later this year or 23, how that could impact revenue in Aon. And I'm assuming, like, right now, given the growth you saw in the quarter, you're not, you know, seeing any signs of a slowdown just yet.

Jul 29, 2022 / receipt, needs a key / Elise Greensand, other | earnings call 2022-07-29 | transcript 99386107-4e0e-43d1-9d0b-c72e534a97a8 | chars 16709-17228 | segment 16

As we've previously communicated, we think about margins over the course of a full year, and we expect continued investment in colleagues and ongoing resumption of T&E throughout the year.

Jul 29, 2022 / receipt, needs a key / Krista Davies, CFO | earnings call 2022-07-29 | transcript 99386107-4e0e-43d1-9d0b-c72e534a97a8 | chars 11580-11768 | segment 11

I think seasonally second half should be weaker than the first half, but do you expect to improve margins in the second half as well with a potential increase in T&E versus last year and maybe some inflationary pressures if you're seeing them?

Jul 29, 2022 / receipt, needs a key / Jimmy Buehler, other | earnings call 2022-07-29 | transcript 99386107-4e0e-43d1-9d0b-c72e534a97a8 | chars 22983-23226 | segment 23

Double-Digit Growth

ir_statement / Sep 15, 2026 / receipt

Mid-Single-Digit or Greater Growth

ir_statement / Sep 15, 2026 / receipt

Accelerating Aon United Program expenses(2) 96 94

ir_statement / Sep 15, 2026 / receipt

Integration costs(3) 33 27

ir_statement / Sep 15, 2026 / receipt

Interest expense (179) (212)

ir_statement / Sep 15, 2026 / receipt

Adj. Op. Margin Expansion

ir_statement / Sep 15, 2026 / receipt

Aon United, enhanced by AI-enabled insights, continues to create a structural advantage that expands our addressable market and sustains growth.

ir_statement / Sep 15, 2026 / receipt

We are reaffirming our 2026 guidance and remain well positioned to deliver on our financial commitments while creating long-term shareholder value

ir_statement / Sep 15, 2026 / receipt

Guidance: Mid-Single-Digit or Greater

ir_statement / Sep 15, 2026 / receipt

70-80bps Expansion(1)

ir_statement / Sep 3, 2026 / receipt

Double-Digit Growth

ir_statement / Sep 3, 2026 / receipt

Mid-Single-Digit or Greater Growth

ir_statement / Sep 3, 2026 / receipt