CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis
NYSE:CRD.A - New York Stock Exchange, Inc. - US2246332066 - Common Stock - Currency: USD
Taking everything into account, CRD.A scores 5 out of 10 in our fundamental rating. CRD.A was compared to 143 industry peers in the Insurance industry. CRD.A has an excellent profitability rating, but there are some minor concerns on its financial health. CRD.A has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CRD.A had positive earnings in the past year.
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
With a decent Return On Assets value of 3.84%, CRD.A is doing good in the industry, outperforming 79.72% of the companies in the same industry.
The Return On Equity of CRD.A (18.96%) is better than 88.81% of its industry peers.
With an excellent Return On Invested Capital value of 8.08%, CRD.A belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
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 last Return On Invested Capital (8.08%) for CRD.A is above the 3 year average (7.40%), which is a sign of increasing profitability.
| 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 has a Profit Margin of 2.25%. This is in the lower half of the industry: CRD.A underperforms 76.22% of its industry peers.
CRD.A's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 4.72%, CRD.A is not doing good in the industry: 79.72% of the companies in the same industry are doing better.
CRD.A's Operating Margin has declined in the last couple of years.
CRD.A's Gross Margin of 27.41% is amongst the best of 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CRD.A is destroying 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
An Altman-Z score of 3.04 indicates that CRD.A is not in any danger for bankruptcy at the moment.
CRD.A's Altman-Z score of 3.04 is amongst the best of the industry. CRD.A outperforms 94.41% of its industry peers.
CRD.A has a debt to FCF ratio of 15.33. This is a negative value and a sign of low solvency as CRD.A would need 15.33 years to pay back of all of its debts.
With a Debt to FCF ratio value of 15.33, CRD.A is not doing good in the industry: 77.62% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.28 is on the high side and indicates that CRD.A has dependencies on debt financing.
CRD.A's Debt to Equity ratio of 1.28 is on the low side compared to the rest of the industry. CRD.A is outperformed by 88.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.28 | ||
| Debt/FCF | 15.33 | ||
| Altman-Z | 3.04 |
ROIC/WACC0.98
WACC8.21%
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.
The Current ratio of CRD.A (1.30) is better 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.
CRD.A has a Quick ratio of 1.30. This is amongst the best in the industry. CRD.A outperforms 85.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
CRD.A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.54%, which is quite good.
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.
The Revenue has been growing slightly by 3.51% in the past 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)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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.60, which indicates a correct valuation of CRD.A.
The rest of the industry has a similar Price/Earnings ratio as CRD.A.
The average S&P500 Price/Earnings ratio is at 26.55. CRD.A is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.67, the valuation of CRD.A can be described as reasonable.
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 22.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
66.43% of the companies in the same industry are more expensive than CRD.A, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, CRD.A is valued a bit more expensive than 76.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.71 | ||
| EV/EBITDA | 7.3 |
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 19.76% in the coming years.
PEG (NY)0.39
PEG (5Y)2.93
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.
Compared to an average industry Dividend Yield of 3.10, CRD.A pays a bit more dividend than its industry peers.
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 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
45.22% of the earnings are spent on dividend by CRD.A. 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.
DP45.22%
EPS Next 2Y19.76%
EPS Next 3YN/A
NYSE:CRD.A (6/9/2025, 1:35:35 PM)
10.96
-0.02 (-0.18%)
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 Cap541.97M
Analysts87.27
Price Target15.05 (37.32%)
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 | 12.6 | ||
| Fwd PE | 9.67 | ||
| P/S | 0.4 | ||
| P/FCF | 33.71 | ||
| P/OCF | 9.43 | ||
| P/B | 3.37 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.3 |
EPS(TTM)0.87
EY7.94%
EPS(NY)1.13
Fwd EY10.34%
FCF(TTM)0.33
FCFY2.97%
OCF(TTM)1.16
OCFY10.61%
SpS27.33
BVpS3.25
TBVpS-2.05
PEG (NY)0.39
PEG (5Y)2.93
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
WACC8.21%
ROIC/WACC0.98
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%