CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRD.A - US2246332066 - Common Stock
10.78 USD
-0.04 (-0.37%)
We assign a fundamental rating of 6 out of 10 to CRD.A. CRD.A was compared to 149 industry peers in the Insurance industry. CRD.A has an average financial health and profitability rating. CRD.A has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CRD.A was profitable.
- In the past year CRD.A had a positive cash flow from operations.
- Of the past 5 years CRD.A 4 years were profitable.
- Each year in the past 5 years CRD.A had a positive operating cash flow.
1.2 Ratios
- CRD.A has a Return On Assets of 4.08%. This is in the better half of the industry: CRD.A outperforms 76.51% of its industry peers.
- The Return On Equity of CRD.A (17.40%) is better than 79.19% of its industry peers.
- CRD.A's Return On Invested Capital of 8.52% is amongst the best of the industry. CRD.A outperforms 90.60% of its industry peers.
- CRD.A had an Average Return On Invested Capital over the past 3 years of 7.40%. This is significantly below the industry average of 14.92%.
- The 3 year average ROIC (7.40%) for CRD.A is below the current ROIC(8.52%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 17.4% | ||
| ROIC | 8.52% |
ROA(3y)1.61%
ROA(5y)2.44%
ROE(3y)7.94%
ROE(5y)10.69%
ROIC(3y)7.4%
ROIC(5y)7.11%
1.3 Margins
- CRD.A's Profit Margin of 2.42% is on the low side compared to the rest of the industry. CRD.A is outperformed by 78.52% of its industry peers.
- In the last couple of years the Profit Margin of CRD.A has grown nicely.
- With a Operating Margin value of 5.17%, CRD.A is not doing good in the industry: 76.51% of the companies in the same industry are doing better.
- CRD.A's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 27.95%, CRD.A belongs to the best of the industry, outperforming 88.59% of the companies in the same industry.
- In the last couple of years the Gross Margin of CRD.A has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.17% | ||
| PM (TTM) | 2.42% | ||
| GM | 27.95% |
OM growth 3Y-0.78%
OM growth 5Y-6.8%
PM growth 3Y-9.71%
PM growth 5Y10.7%
GM growth 3Y2.28%
GM growth 5Y-0.53%
2. Health
2.1 Basic Checks
- CRD.A has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- CRD.A has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for CRD.A has been reduced compared to 5 years ago.
- CRD.A has a worse debt/assets ratio than last year.
2.2 Solvency
- CRD.A has an Altman-Z score of 3.08. This indicates that CRD.A is financially healthy and has little risk of bankruptcy at the moment.
- CRD.A has a Altman-Z score of 3.08. This is amongst the best in the industry. CRD.A outperforms 95.97% of its industry peers.
- CRD.A has a debt to FCF ratio of 4.16. This is a neutral value as CRD.A would need 4.16 years to pay back of all of its debts.
- CRD.A has a Debt to FCF ratio (4.16) which is in line with its industry peers.
- CRD.A has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.05, CRD.A is not doing good in the industry: 87.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 4.16 | ||
| Altman-Z | 3.08 |
ROIC/WACC1.06
WACC8.02%
2.3 Liquidity
- CRD.A has a Current Ratio of 1.36. This is a normal value and indicates that CRD.A is financially healthy and should not expect problems in meeting its short term obligations.
- CRD.A's Current ratio of 1.36 is amongst the best of the industry. CRD.A outperforms 84.56% of its industry peers.
- A Quick Ratio of 1.36 indicates that CRD.A should not have too much problems paying its short term obligations.
- CRD.A has a Quick ratio of 1.36. This is amongst the best in the industry. CRD.A outperforms 84.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.36 | ||
| Quick Ratio | 1.36 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 42.42% over the past year.
- Measured over the past 5 years, CRD.A shows a small growth in Earnings Per Share. The EPS has been growing by 4.30% on average per year.
- Looking at the last year, CRD.A shows a small growth in Revenue. The Revenue has grown by 3.49% in the last year.
- Measured over the past years, CRD.A shows a small growth in Revenue. The Revenue has been growing by 5.06% on average per year.
EPS 1Y (TTM)42.42%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%45.45%
Revenue 1Y (TTM)3.49%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-2.19%
3.2 Future
- CRD.A is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.79% yearly.
- CRD.A is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.72% yearly.
EPS Next Y28.21%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue Next Year0.9%
Revenue Next 2Y3.66%
Revenue Next 3Y3.72%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.47 indicates a reasonable valuation of CRD.A.
- Compared to the rest of the industry, the Price/Earnings ratio of CRD.A is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.30, CRD.A is valued rather cheaply.
- CRD.A is valuated reasonably with a Price/Forward Earnings ratio of 9.63.
- The rest of the industry has a similar Price/Forward Earnings ratio as CRD.A.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. CRD.A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.47 | ||
| Fwd PE | 9.63 |
4.2 Price Multiples
- CRD.A's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CRD.A is cheaper than 68.46% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRD.A is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.11 | ||
| EV/EBITDA | 6.28 |
4.3 Compensation for Growth
- CRD.A's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of CRD.A may justify a higher PE ratio.
- A more expensive valuation may be justified as CRD.A's earnings are expected to grow with 14.79% in the coming years.
PEG (NY)0.41
PEG (5Y)2.67
EPS Next 2Y19.03%
EPS Next 3Y14.79%
5. Dividend
5.1 Amount
- CRD.A has a Yearly Dividend Yield of 2.82%. Purely for dividend investing, there may be better candidates out there.
- CRD.A's Dividend Yield is a higher than the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.82, CRD.A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
5.2 History
- The dividend of CRD.A has a limited annual growth rate of 2.90%.
- CRD.A has paid a dividend for at least 10 years, which is a reliable track record.
- CRD.A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.9%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
- CRD.A pays out 43.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
- CRD.A's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.18%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
CRAWFORD & COMPANY -CL A / CRD.A FAQ
What is the fundamental rating for CRD.A stock?
ChartMill assigns a fundamental rating of 6 / 10 to CRD.A.
What is the valuation status for CRD.A stock?
ChartMill assigns a valuation rating of 6 / 10 to CRAWFORD & COMPANY -CL A (CRD.A). This can be considered as Fairly Valued.
Can you provide the profitability details for CRAWFORD & COMPANY -CL A?
CRAWFORD & COMPANY -CL A (CRD.A) has a profitability rating of 6 / 10.
Can you provide the financial health for CRD.A stock?
The financial health rating of CRAWFORD & COMPANY -CL A (CRD.A) is 5 / 10.
How sustainable is the dividend of CRAWFORD & COMPANY -CL A (CRD.A) stock?
The dividend rating of CRAWFORD & COMPANY -CL A (CRD.A) is 6 / 10 and the dividend payout ratio is 43.18%.