CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRD.A - US2246332066 - Common Stock
11.87 USD
+0.04 (+0.34%)
We assign a fundamental rating of 6 out of 10 to CRD.A. CRD.A was compared to 148 industry peers in the Insurance industry. Both the profitability and the financial health of CRD.A get a neutral evaluation. Nothing too spectacular is happening here. CRD.A has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CRD.A was profitable.
CRD.A had a positive operating cash flow in the past year.
Of the past 5 years CRD.A 4 years were profitable.
In the past 5 years CRD.A always reported a positive cash flow from operatings.
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 76.35% of its industry peers.
CRD.A has a better Return On Equity (17.40%) than 79.05% of its industry peers.
The Return On Invested Capital of CRD.A (8.52%) is better than 90.54% 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 14.88%.
The last Return On Invested Capital (8.52%) for CRD.A is above the 3 year average (7.40%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 2.42%, CRD.A is doing worse than 79.05% of the companies in the same industry.
In the last couple of years the Profit Margin of CRD.A has grown nicely.
CRD.A's Operating Margin of 5.17% is on the low side compared to the rest of the industry. CRD.A is outperformed by 77.03% of its industry peers.
In the last couple of years the Operating Margin of CRD.A has declined.
CRD.A has a Gross Margin of 27.95%. This is amongst the best in the industry. CRD.A outperforms 87.84% of its industry peers.
CRD.A's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CRD.A is creating some value.
The number of shares outstanding for CRD.A has been increased compared to 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 3.13. This indicates that CRD.A is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of CRD.A (3.13) is better than 95.95% 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.
With a Debt to FCF ratio value of 4.16, CRD.A perfoms like the industry average, outperforming 41.22% of the companies in the same industry.
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: 89.86% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 4.16 | ||
| Altman-Z | 3.13 |
ROIC/WACC1.07
WACC7.98%
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 has a better Current ratio (1.36) than 83.78% of its industry peers.
CRD.A has a Quick 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.
With an excellent Quick ratio value of 1.36, CRD.A belongs to the best of the industry, outperforming 83.78% of the companies in the same industry.
| 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.
CRD.A shows a small growth in Revenue. In the last year, the Revenue has grown by 3.49%.
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%1.04%
3.2 Future
The Earnings Per Share is expected to grow by 14.79% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.72% on average over the next years.
EPS Next Y28.21%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue Next Year2.61%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.63, CRD.A is valued correctly.
CRD.A's Price/Earnings is on the same level as the industry average.
CRD.A is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.61, the valuation of CRD.A can be described as very reasonable.
CRD.A's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.46. CRD.A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 10.61 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CRD.A is valued a bit cheaper than the industry average as 68.24% of the companies are valued more expensively.
CRD.A's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.14 | ||
| EV/EBITDA | 6.76 |
4.3 Compensation for Growth
The 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)0.45
PEG (5Y)2.94
EPS Next 2Y19.03%
EPS Next 3Y14.79%
5. Dividend
5.1 Amount
CRD.A has a Yearly Dividend Yield of 2.68%. 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 2.42.
CRD.A's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
5.2 History
The dividend of CRD.A has a limited annual growth rate of 2.90%.
CRD.A has been paying a dividend for at least 10 years, so it has 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
43.18% of the earnings are spent on dividend by CRD.A. This is a bit on the high side, but may be sustainable.
The dividend of CRD.A is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.18%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
NYSE:CRD.A (12/26/2025, 8:04:00 PM)
11.87
+0.04 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.44%
Inst Owner Change-1.03%
Ins Owners68.07%
Ins Owner ChangeN/A
Market Cap584.12M
Revenue(TTM)1.35B
Net Income(TTM)32.60M
Analysts87.27
Price Target15.48 (30.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP43.18%
Div Incr Years2
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.22%
Min EPS beat(2)-12.82%
Max EPS beat(2)8.38%
EPS beat(4)2
Avg EPS beat(4)-5.57%
Min EPS beat(4)-19.8%
Max EPS beat(4)8.38%
EPS beat(8)3
Avg EPS beat(8)-12.47%
EPS beat(12)7
Avg EPS beat(12)1.76%
EPS beat(16)7
Avg EPS beat(16)-6.64%
Revenue beat(2)0
Avg Revenue beat(2)-8.12%
Min Revenue beat(2)-8.84%
Max Revenue beat(2)-7.4%
Revenue beat(4)1
Avg Revenue beat(4)-5.02%
Min Revenue beat(4)-8.84%
Max Revenue beat(4)1.78%
Revenue beat(8)1
Avg Revenue beat(8)-5.66%
Revenue beat(12)2
Avg Revenue beat(12)-3.75%
Revenue beat(16)3
Avg Revenue beat(16)-3%
PT rev (1m)1.3%
PT rev (3m)1.54%
EPS NQ rev (1m)-2.85%
EPS NQ rev (3m)-17.57%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)1.6%
Revenue NQ rev (3m)-5.82%
Revenue NY rev (1m)-3.1%
Revenue NY rev (3m)-3.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 10.61 | ||
| P/S | 0.43 | ||
| P/FCF | 11.14 | ||
| P/OCF | 6.33 | ||
| P/B | 3.12 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.76 |
EPS(TTM)0.94
EY7.92%
EPS(NY)1.12
Fwd EY9.43%
FCF(TTM)1.07
FCFY8.98%
OCF(TTM)1.87
OCFY15.79%
SpS27.41
BVpS3.81
TBVpS-1.55
PEG (NY)0.45
PEG (5Y)2.94
Graham Number8.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 17.4% | ||
| ROCE | 13.26% | ||
| ROIC | 8.52% | ||
| ROICexc | 9.8% | ||
| ROICexgc | 23.16% | ||
| OM | 5.17% | ||
| PM (TTM) | 2.42% | ||
| GM | 27.95% | ||
| FCFM | 3.89% |
ROA(3y)1.61%
ROA(5y)2.44%
ROE(3y)7.94%
ROE(5y)10.69%
ROIC(3y)7.4%
ROIC(5y)7.11%
ROICexc(3y)8.28%
ROICexc(5y)7.91%
ROICexgc(3y)19.19%
ROICexgc(5y)17.62%
ROCE(3y)11.52%
ROCE(5y)11.07%
ROICexgc growth 3Y8.36%
ROICexgc growth 5Y3.89%
ROICexc growth 3Y8.29%
ROICexc growth 5Y-1.08%
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%
F-Score9
Asset Turnover1.69
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 4.16 | ||
| Debt/EBITDA | 1.81 | ||
| Cap/Depr | 102.59% | ||
| Cap/Sales | 2.95% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 85.02% | ||
| Profit Quality | 160.92% | ||
| Current Ratio | 1.36 | ||
| Quick Ratio | 1.36 | ||
| Altman-Z | 3.13 |
F-Score9
WACC7.98%
ROIC/WACC1.07
Cap/Depr(3y)104.43%
Cap/Depr(5y)96.71%
Cap/Sales(3y)2.9%
Cap/Sales(5y)3.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.42%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%45.45%
EPS Next Y28.21%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue 1Y (TTM)3.49%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%1.04%
Revenue Next Year2.61%
Revenue Next 2Y3.66%
Revenue Next 3Y3.72%
Revenue Next 5YN/A
EBIT growth 1Y49.29%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year64.67%
EBIT Next 3Y25.22%
EBIT Next 5YN/A
FCF growth 1Y-29.63%
FCF growth 3Y-24.71%
FCF growth 5Y-28.7%
OCF growth 1Y-17.57%
OCF growth 3Y-1.69%
OCF growth 5Y-7.25%
CRAWFORD & COMPANY -CL A / CRD.A FAQ
What is the ChartMill fundamental rating of CRAWFORD & COMPANY -CL A (CRD.A) stock?
ChartMill assigns a fundamental rating of 6 / 10 to CRD.A.
What is the valuation status of CRAWFORD & COMPANY -CL A (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.
How financially healthy is CRAWFORD & COMPANY -CL A?
The financial health rating of CRAWFORD & COMPANY -CL A (CRD.A) is 5 / 10.
Can you provide the dividend sustainability for CRD.A stock?
The dividend rating of CRAWFORD & COMPANY -CL A (CRD.A) is 6 / 10 and the dividend payout ratio is 43.18%.