CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis
NYSE:CRD.A - New York Stock Exchange, Inc. - US2246332066 - Common Stock - Currency: USD
Overall CRD.A gets a fundamental rating of 5 out of 10. We evaluated CRD.A against 143 industry peers in the Insurance industry. While CRD.A belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. CRD.A has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CRD.A had positive earnings in the past year.
In the past year CRD.A had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 3.84%, CRD.A is in the better half of the industry, outperforming 79.72% of the companies in the same industry.
CRD.A has a Return On Equity of 18.96%. This is amongst the best in the industry. CRD.A outperforms 88.81% of its industry peers.
CRD.A has a better Return On Invested Capital (8.08%) than 90.91% of its industry peers.
CRD.A had an Average Return On Invested Capital over the past 3 years of 7.40%. This is above the industry average of 4.07%.
The 3 year average ROIC (7.40%) for CRD.A is below the current ROIC(8.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.84% | ||
| ROE | 18.96% | ||
| ROIC | 8.08% |
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 2.25% is on the low side compared to the rest of the industry. CRD.A is outperformed by 76.22% of its industry peers.
In the last couple of years the Profit Margin of CRD.A has grown nicely.
CRD.A's Operating Margin of 4.72% is on the low side compared to the rest of the industry. CRD.A is outperformed by 79.72% 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 27.41%. This is amongst the best in the industry. CRD.A outperforms 88.81% of its industry peers.
CRD.A's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.72% | ||
| PM (TTM) | 2.25% | ||
| GM | 27.41% |
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 below the Cost of Capital (WACC), which means it is destroying value.
CRD.A has more shares outstanding than it did 1 year ago.
CRD.A has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CRD.A is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.04 indicates that CRD.A is not in any danger for bankruptcy at the moment.
The Altman-Z score of CRD.A (3.04) is better than 95.10% of its industry peers.
The Debt to FCF ratio of CRD.A is 15.33, which is on the high side as it means it would take CRD.A, 15.33 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 15.33, CRD.A is doing worse than 77.62% of the companies in the same industry.
CRD.A has a Debt/Equity ratio of 1.28. This is a high value indicating a heavy dependency on external financing.
CRD.A has a Debt to Equity ratio of 1.28. This is amonst the worse of the industry: CRD.A underperforms 88.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.28 | ||
| Debt/FCF | 15.33 | ||
| Altman-Z | 3.04 |
ROIC/WACC0.99
WACC8.2%
2.3 Liquidity
CRD.A has a Current Ratio of 1.30. 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 (1.30) than 85.31% of its industry peers.
CRD.A has a Quick Ratio of 1.30. This is a normal value and indicates that CRD.A is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of CRD.A (1.30) is better than 85.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.54% 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 3.51%.
CRD.A shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.06% yearly.
EPS 1Y (TTM)11.54%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%61.54%
Revenue 1Y (TTM)3.51%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-0.33%
3.2 Future
Based on estimates for the next years, CRD.A will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.76% on average per year.
Based on estimates for the next years, CRD.A will show a small growth in Revenue. The Revenue will grow by 5.91% on average per year.
EPS Next Y32.55%
EPS Next 2Y19.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.49%
Revenue Next 2Y5.91%
Revenue Next 3YN/A
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.53, CRD.A is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CRD.A is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CRD.A to the average of the S&P500 Index (26.53), we can say CRD.A is valued rather cheaply.
CRD.A is valuated reasonably with a Price/Forward Earnings ratio of 9.62.
The rest of the industry has a similar Price/Forward Earnings ratio as CRD.A.
CRD.A is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 9.62 |
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 66.43% of the companies in the same industry.
CRD.A's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CRD.A is more expensive than 76.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.52 | ||
| EV/EBITDA | 7.25 |
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.
CRD.A's earnings are expected to grow with 19.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)2.91
EPS Next 2Y19.76%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CRD.A has a Yearly Dividend Yield of 2.79%. 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 3.10.
CRD.A's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
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
45.22% 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.
DP45.22%
EPS Next 2Y19.76%
EPS Next 3YN/A
NYSE:CRD.A (6/10/2025, 1:23:42 PM)
10.9
+0.03 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.59%
Inst Owner Change1.13%
Ins Owners68.09%
Ins Owner ChangeN/A
Market Cap539.00M
Analysts87.27
Price Target15.05 (38.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP45.22%
Div Incr Years2
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.93%
Min EPS beat(2)-19.8%
Max EPS beat(2)1.94%
EPS beat(4)2
Avg EPS beat(4)0.21%
Min EPS beat(4)-19.8%
Max EPS beat(4)24.47%
EPS beat(8)4
Avg EPS beat(8)-8.22%
EPS beat(12)6
Avg EPS beat(12)-1.29%
EPS beat(16)8
Avg EPS beat(16)-1%
Revenue beat(2)1
Avg Revenue beat(2)-1.92%
Min Revenue beat(2)-5.63%
Max Revenue beat(2)1.78%
Revenue beat(4)1
Avg Revenue beat(4)-4.58%
Min Revenue beat(4)-10.09%
Max Revenue beat(4)1.78%
Revenue beat(8)1
Avg Revenue beat(8)-4.26%
Revenue beat(12)2
Avg Revenue beat(12)-2.93%
Revenue beat(16)5
Avg Revenue beat(16)-1.22%
PT rev (1m)0.18%
PT rev (3m)12.93%
EPS NQ rev (1m)-2%
EPS NQ rev (3m)-2%
EPS NY rev (1m)4.81%
EPS NY rev (3m)-2.56%
Revenue NQ rev (1m)1.82%
Revenue NQ rev (3m)-1.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 9.62 | ||
| P/S | 0.4 | ||
| P/FCF | 33.52 | ||
| P/OCF | 9.37 | ||
| P/B | 3.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.25 |
EPS(TTM)0.87
EY7.98%
EPS(NY)1.13
Fwd EY10.39%
FCF(TTM)0.33
FCFY2.98%
OCF(TTM)1.16
OCFY10.67%
SpS27.33
BVpS3.25
TBVpS-2.05
PEG (NY)0.38
PEG (5Y)2.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.84% | ||
| ROE | 18.96% | ||
| ROCE | 12.59% | ||
| ROIC | 8.08% | ||
| ROICexc | 9.12% | ||
| ROICexgc | 21.91% | ||
| OM | 4.72% | ||
| PM (TTM) | 2.25% | ||
| GM | 27.41% | ||
| FCFM | 1.19% |
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%
ROICexcg growth 3Y8.36%
ROICexcg 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-Score7
Asset Turnover1.71
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.28 | ||
| Debt/FCF | 15.33 | ||
| Debt/EBITDA | 2.05 | ||
| Cap/Depr | 113.35% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 57.35% | ||
| Profit Quality | 52.82% | ||
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 3.04 |
F-Score7
WACC8.2%
ROIC/WACC0.99
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)11.54%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%61.54%
EPS Next Y32.55%
EPS Next 2Y19.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.51%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-0.33%
Revenue Next Year6.49%
Revenue Next 2Y5.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y23.92%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year71.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y135.87%
FCF growth 3Y-24.71%
FCF growth 5Y-28.7%
OCF growth 1Y35.48%
OCF growth 3Y-1.69%
OCF growth 5Y-7.25%