CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRD.A - US2246332066 - Common Stock
11.31 USD
-0.13 (-1.14%)
11.31 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CRD.A. CRD.A was compared to 147 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.
CRD.A had a positive operating cash flow in the past year.
CRD.A had positive earnings in 4 of the past 5 years.
In the past 5 years CRD.A always reported a positive cash flow from operatings.
1.2 Ratios
CRD.A's Return On Assets of 4.08% is fine compared to the rest of the industry. CRD.A outperforms 76.19% of its industry peers.
CRD.A has a Return On Equity of 17.40%. This is in the better half of the industry: CRD.A outperforms 78.23% of its industry peers.
CRD.A has a better Return On Invested Capital (8.52%) than 91.84% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CRD.A is above the industry average of 4.52%.
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
CRD.A has a Profit Margin of 2.42%. This is amonst the worse of the industry: CRD.A underperforms 80.27% of its industry peers.
CRD.A's Profit Margin has improved in the last couple of years.
CRD.A has a Operating Margin of 5.17%. This is in the lower half of the industry: CRD.A underperforms 79.59% of its industry peers.
CRD.A's Operating Margin has declined in the last couple of years.
CRD.A's Gross Margin of 27.95% is amongst the best of the industry. CRD.A outperforms 89.12% 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 3.11. This indicates that CRD.A is financially healthy and has little risk of bankruptcy at the moment.
CRD.A has a better Altman-Z score (3.11) than 93.20% 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.
The Debt to FCF ratio of CRD.A (4.16) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.05 is on the high side and indicates that CRD.A has dependencies on debt financing.
The Debt to Equity ratio of CRD.A (1.05) is worse than 89.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 4.16 | ||
| Altman-Z | 3.11 |
ROIC/WACC1.08
WACC7.86%
2.3 Liquidity
A Current Ratio of 1.36 indicates that CRD.A should not have too much problems paying its short term obligations.
CRD.A has a Current ratio of 1.36. This is amongst the best in the industry. CRD.A outperforms 83.67% 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.
CRD.A's Quick ratio of 1.36 is amongst the best of the industry. CRD.A outperforms 83.67% 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.
CRD.A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.30% yearly.
The Revenue has been growing slightly by 3.49% in the past year.
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)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
Based on estimates for the next years, CRD.A will show a very strong growth in Earnings Per Share. The EPS will grow by 20.84% 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 5.59% on average per year.
EPS Next Y28.21%
EPS Next 2Y20.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.9%
Revenue Next 2Y5.59%
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
A Price/Earnings ratio of 12.03 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 26.15. CRD.A is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.80, the valuation of CRD.A can be described as reasonable.
CRD.A's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.12. CRD.A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CRD.A is valued a bit cheaper than the industry average as 68.71% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as CRD.A.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| EV/EBITDA | 6.55 |
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.
CRD.A has a very decent profitability rating, which may justify a higher PE ratio.
CRD.A's earnings are expected to grow with 20.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)2.8
EPS Next 2Y20.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CRD.A has a Yearly Dividend Yield of 2.86%.
CRD.A's Dividend Yield is a higher than the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.41, CRD.A has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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
CRD.A pays out 43.18% of its income as dividend. 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 2Y20.84%
EPS Next 3YN/A
11.31
-0.13 (-1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.61%
Inst Owner Change-1.03%
Ins Owners67.98%
Ins Owner ChangeN/A
Market Cap561.43M
Revenue(TTM)1.35B
Net Income(TTM)32.60M
Analysts87.27
Price Target15.29 (35.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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)2.09%
PT rev (3m)5.88%
EPS NQ rev (1m)-15.15%
EPS NQ rev (3m)-15.15%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-7.31%
Revenue NQ rev (3m)-7.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 9.8 | ||
| P/S | 0.42 | ||
| P/FCF | 10.7 | ||
| P/OCF | 6.09 | ||
| P/B | 3 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.55 |
EPS(TTM)0.94
EY8.31%
EPS(NY)1.15
Fwd EY10.2%
FCF(TTM)1.06
FCFY9.34%
OCF(TTM)1.86
OCFY16.43%
SpS27.18
BVpS3.77
TBVpS-1.53
PEG (NY)0.43
PEG (5Y)2.8
Graham Number8.93
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 | 3.11 |
F-Score9
WACC7.86%
ROIC/WACC1.08
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 2Y20.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.49%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%1.04%
Revenue Next Year5.9%
Revenue Next 2Y5.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y49.29%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year70.41%
EBIT Next 3YN/A
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 5 / 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 5 / 10 and the dividend payout ratio is 43.18%.