How we got $691K
Based on its 3 employees and its payroll, both reported for PPP in 2020 and brought up to date.
Estimated value over time
▲ 30% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
What we know
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| A & J INSURANCE this business | $599K | — |
| WEYERS INC Tulsa · 1 employees | $245K | 0.1 mi |
| Stephen Garcille - State Farm Insurance Agent Tulsa | $815K | 0.9 mi |
| Matt Cantwell State Farm Agent Tulsa | $815K | 0.9 mi |
| RUDICK AGENCY, LLC Tulsa · 2 employees | $394K | 0.9 mi |
| EZ INSURANCE AGENCY INC. Tulsa · 4 employees | $1.2M | 0.9 mi |
| Catrinas insurance Tulsa | $815K | 1.0 mi |
The full calculation
| Employees reported to the SBA | 3 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $623K |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $444K |
| Estimate: the two combined (geometric mean) | $599K |
| EBITDA margin (industry, adjusted for size) | 38% |
| EBITDA = revenue × margin | $230K |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $691K |
| Multiple for this size and industry | 3× |
| Value range | $364K – $946K |
| Revenue range | $394K – $683K |
| EBITDA range | $152K – $263K |
| Industry (NAICS) | Insurance Agencies and Brokerages (524210) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
History & advisors
Advisors
- BankingCross River BankPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Cross River Bank PPP 2020 | All 589 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 7/15/2020 | first | $15K | 3 |
About A & J Insurance
A & J Insurance is an insurance agencies company in Tulsa, Oklahoma. Its estimated annual revenue is about $599K, with roughly $230K of EBITDA. It has about 3 employees. Its estimated business value is $691K (likely range $364K–$946K).
Common questions
- Who owns A & J Insurance?
- The owner of A & J Insurance isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does A & J Insurance make?
- SeeBITDA estimates A & J Insurance's annual revenue at about $599K (likely between $394K and $683K), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is A & J Insurance worth?
- About $691K, roughly 3× its estimated EBITDA of $230K, typical for a insurance agencies company its size. Likely range: $364K–$946K.
- How many employees does A & J Insurance have?
- About 3, as reported on its PPP loan.