CRAWFORD & CO -CL B (CRD.B) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRD.B - US2246331076 - Common Stock
10.55 USD
0 (0%)
Overall CRD.B gets a fundamental rating of 6 out of 10. We evaluated CRD.B against 147 industry peers in the Insurance industry. CRD.B has an average financial health and profitability rating. CRD.B has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CRD.B was profitable.
In the past year CRD.B had a positive cash flow from operations.
CRD.B had positive earnings in 4 of the past 5 years.
In the past 5 years CRD.B always reported a positive cash flow from operatings.
1.2 Ratios
CRD.B has a Return On Assets of 4.08%. This is in the better half of the industry: CRD.B outperforms 76.87% of its industry peers.
CRD.B has a Return On Equity of 17.40%. This is in the better half of the industry: CRD.B outperforms 79.59% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.52%, CRD.B belongs to the top of the industry, outperforming 91.16% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CRD.B is significantly below the industry average of 14.89%.
The last Return On Invested Capital (8.52%) for CRD.B 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
With a Profit Margin value of 2.42%, CRD.B is not doing good in the industry: 78.91% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CRD.B has grown nicely.
With a Operating Margin value of 5.17%, CRD.B is not doing good in the industry: 76.87% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CRD.B has declined.
CRD.B's Gross Margin of 27.95% is amongst the best of the industry. CRD.B outperforms 88.44% of its industry peers.
CRD.B'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
CRD.B has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
CRD.B has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CRD.B has less shares outstanding
The debt/assets ratio for CRD.B is higher compared to a year ago.
2.2 Solvency
CRD.B has an Altman-Z score of 3.07. This indicates that CRD.B is financially healthy and has little risk of bankruptcy at the moment.
CRD.B has a better Altman-Z score (3.07) than 95.24% of its industry peers.
The Debt to FCF ratio of CRD.B is 4.16, which is a neutral value as it means it would take CRD.B, 4.16 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.16, CRD.B is in line with its industry, outperforming 42.18% of the companies in the same industry.
A Debt/Equity ratio of 1.05 is on the high side and indicates that CRD.B has dependencies on debt financing.
The Debt to Equity ratio of CRD.B (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 | 3.07 |
ROIC/WACC1.07
WACC7.94%
2.3 Liquidity
CRD.B has a Current Ratio of 1.36. This is a normal value and indicates that CRD.B is financially healthy and should not expect problems in meeting its short term obligations.
CRD.B's Current ratio of 1.36 is amongst the best of the industry. CRD.B outperforms 85.03% of its industry peers.
CRD.B has a Quick Ratio of 1.36. This is a normal value and indicates that CRD.B is financially healthy and should not expect problems in meeting its short term obligations.
CRD.B has a better Quick ratio (1.36) than 85.03% 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.
The Earnings Per Share has been growing slightly by 4.30% on average over the past years.
The Revenue has been growing slightly by 3.49% in the past year.
CRD.B 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
The Earnings Per Share is expected to grow by 19.21% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.92% on average over the next years.
EPS Next Y29.08%
EPS Next 2Y19.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.9%
Revenue Next 2Y3.92%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.22 indicates a reasonable valuation of CRD.B.
CRD.B's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.43, CRD.B is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.40, the valuation of CRD.B can be described as very reasonable.
63.27% of the companies in the same industry are more expensive than CRD.B, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CRD.B to the average of the S&P500 Index (23.66), we can say CRD.B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CRD.B indicates a somewhat cheap valuation: CRD.B is cheaper than 71.43% of the companies listed in the same industry.
CRD.B's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.9 | ||
| EV/EBITDA | 6.16 |
4.3 Compensation for Growth
CRD.B'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.B may justify a higher PE ratio.
A more expensive valuation may be justified as CRD.B's earnings are expected to grow with 19.21% in the coming years.
PEG (NY)0.39
PEG (5Y)2.61
EPS Next 2Y19.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.89%, CRD.B has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.64, CRD.B pays a bit more dividend than its industry peers.
CRD.B's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.89% |
5.2 History
The dividend of CRD.B has a limited annual growth rate of 2.90%.
CRD.B has paid a dividend for at least 10 years, which is a reliable track record.
CRD.B 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.B. This is a bit on the high side, but may be sustainable.
CRD.B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.18%
EPS Next 2Y19.21%
EPS Next 3YN/A
NYSE:CRD.B (12/16/2025, 8:11:26 PM)
10.55
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.44%
Inst Owner Change-1.4%
Ins Owners68.07%
Ins Owner ChangeN/A
Market Cap519.17M
Revenue(TTM)1.35B
Net Income(TTM)32.60M
Analysts87.27
Price Target14.28 (35.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.89% |
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-13.58%
EPS NQ rev (3m)-15.15%
EPS NY rev (1m)0.68%
EPS NY rev (3m)0.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.31%
Revenue NY rev (1m)-4.72%
Revenue NY rev (3m)-4.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.4 | ||
| P/S | 0.38 | ||
| P/FCF | 9.9 | ||
| P/OCF | 5.63 | ||
| P/B | 2.77 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.16 |
EPS(TTM)0.94
EY8.91%
EPS(NY)1.12
Fwd EY10.64%
FCF(TTM)1.07
FCFY10.1%
OCF(TTM)1.87
OCFY17.77%
SpS27.41
BVpS3.81
TBVpS-1.55
PEG (NY)0.39
PEG (5Y)2.61
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 | 3.07 |
F-Score9
WACC7.94%
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 Y29.08%
EPS Next 2Y19.21%
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 Year0.9%
Revenue Next 2Y3.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y49.29%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year67.02%
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 & CO -CL B / CRD.B FAQ
What is the ChartMill fundamental rating of CRAWFORD & CO -CL B (CRD.B) stock?
ChartMill assigns a fundamental rating of 6 / 10 to CRD.B.
What is the valuation status for CRD.B stock?
ChartMill assigns a valuation rating of 6 / 10 to CRAWFORD & CO -CL B (CRD.B). This can be considered as Fairly Valued.
What is the profitability of CRD.B stock?
CRAWFORD & CO -CL B (CRD.B) has a profitability rating of 6 / 10.
What are the PE and PB ratios of CRAWFORD & CO -CL B (CRD.B) stock?
The Price/Earnings (PE) ratio for CRAWFORD & CO -CL B (CRD.B) is 11.22 and the Price/Book (PB) ratio is 2.77.
What is the financial health of CRAWFORD & CO -CL B (CRD.B) stock?
The financial health rating of CRAWFORD & CO -CL B (CRD.B) is 5 / 10.