CRAWFORD & CO -CL B (CRD.B) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRD.B - US2246331076 - Common Stock
10.55 USD
-0.11 (-1.03%)
CRD.B gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. CRD.B has only an average score on both its financial health and profitability. CRD.B has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CRD.B had positive earnings in the past year.
In the past year CRD.B had a positive cash flow from operations.
Of the past 5 years CRD.B 4 years were profitable.
Each year in the past 5 years CRD.B had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.08%, CRD.B is in the better half of the industry, outperforming 77.40% of the companies in the same industry.
CRD.B has a better Return On Equity (17.40%) than 80.14% of its industry peers.
CRD.B has a better Return On Invested Capital (8.52%) than 91.78% of its industry peers.
CRD.B had an Average Return On Invested Capital over the past 3 years of 7.40%. This is significantly below the industry average of 15.11%.
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
CRD.B has a Profit Margin of 2.42%. This is in the lower half of the industry: CRD.B underperforms 77.40% of its industry peers.
CRD.B's Profit Margin has improved in the last couple of years.
The Operating Margin of CRD.B (5.17%) is worse than 75.34% of its industry peers.
In the last couple of years the Operating Margin of CRD.B has declined.
The Gross Margin of CRD.B (27.95%) is better than 90.41% of its industry peers.
In the last couple of years the Gross Margin of CRD.B has remained more or less at the same level.
| 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.
CRD.B has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CRD.B is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.07 indicates that CRD.B is not in any danger for bankruptcy at the moment.
CRD.B has a better Altman-Z score (3.07) than 95.89% 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.
With a Debt to FCF ratio value of 4.16, CRD.B perfoms like the industry average, outperforming 41.10% 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.
CRD.B has a Debt to Equity ratio of 1.05. This is amonst the worse of the industry: CRD.B underperforms 87.67% 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
A Current Ratio of 1.36 indicates that CRD.B should not have too much problems paying its short term obligations.
CRD.B has a Current ratio of 1.36. This is amongst the best in the industry. CRD.B outperforms 84.93% of its industry peers.
A Quick Ratio of 1.36 indicates that CRD.B should not have too much problems paying its short term obligations.
CRD.B's Quick ratio of 1.36 is amongst the best of the industry. CRD.B outperforms 84.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.36 | ||
| Quick Ratio | 1.36 |
3. Growth
3.1 Past
CRD.B shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.42%, which is quite impressive.
Measured over the past 5 years, CRD.B 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 3.49% in the past year.
The Revenue has been growing slightly by 5.06% on average over the past years.
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
CRD.B is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.79% yearly.
CRD.B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.72% yearly.
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
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.
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
A Price/Earnings ratio of 11.22 indicates a reasonable valuation of CRD.B.
Compared to the rest of the industry, the Price/Earnings ratio of CRD.B is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.19, CRD.B is valued rather cheaply.
A Price/Forward Earnings ratio of 9.43 indicates a reasonable valuation of CRD.B.
63.70% of the companies in the same industry are more expensive than CRD.B, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.92. CRD.B is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.43 |
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 72.60% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as CRD.B.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.9 | ||
| EV/EBITDA | 6.16 |
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.B may justify a higher PE ratio.
CRD.B's earnings are expected to grow with 14.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)2.61
EPS Next 2Y19.03%
EPS Next 3Y14.79%
5. Dividend
5.1 Amount
CRD.B has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.42, CRD.B pays a bit more dividend than its industry peers.
CRD.B's Dividend Yield is a higher than the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
5.2 History
The dividend of CRD.B has a limited annual growth rate of 2.90%.
CRD.B has been paying a dividend for at least 10 years, so it has 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
CRD.B pays out 43.18% of its income as dividend. 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 2Y19.03%
EPS Next 3Y14.79%
NYSE:CRD.B (1/9/2026, 8:04:00 PM)
10.55
-0.11 (-1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.45%
Inst Owner Change0%
Ins Owners68.03%
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 | 2.81% |
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP43.18%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
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)-2.85%
EPS NQ rev (3m)-17.57%
EPS NY rev (1m)-0.67%
EPS NY rev (3m)0%
Revenue NQ rev (1m)1.6%
Revenue NQ rev (3m)-5.82%
Revenue NY rev (1m)1.7%
Revenue NY rev (3m)-3.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.43 | ||
| 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 EY10.61%
FCF(TTM)1.07
FCFY10.1%
OCF(TTM)1.87
OCFY17.77%
SpS27.41
BVpS3.81
TBVpS-1.55
PEG (NY)0.4
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 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 & 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.
Can you provide the valuation status for CRAWFORD & CO -CL B?
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.
How financially healthy is CRAWFORD & CO -CL B?
The financial health rating of CRAWFORD & CO -CL B (CRD.B) is 5 / 10.
What is the earnings growth outlook for CRAWFORD & CO -CL B?
The Earnings per Share (EPS) of CRAWFORD & CO -CL B (CRD.B) is expected to grow by 28.21% in the next year.