CRAWFORD & CO -CL B (CRD.B) Stock Fundamental Analysis
USA - NYSE:CRD.B - US2246331076 - Common Stock
9.91 USD
+0.15 (+1.54%)
CRD.B gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and the financial health of CRD.B get a neutral evaluation. Nothing too spectacular is happening here. CRD.B is valued quite cheap, while showing a decent growth score. This is a good combination! This makes CRD.B very considerable for value investing!
1. Profitability
1.1 Basic Checks
In the past year CRD.B was profitable.
CRD.B had a positive operating cash flow in the past year.
CRD.B had positive earnings in 4 of the past 5 years.
CRD.B had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 3.71%, CRD.B is doing good in the industry, outperforming 74.66% of the companies in the same industry.
The Return On Equity of CRD.B (16.76%) is better than 78.08% of its industry peers.
CRD.B has a Return On Invested Capital of 7.93%. This is amongst the best in the industry. CRD.B outperforms 93.84% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CRD.B is above the industry average of 4.43%.
The last Return On Invested Capital (7.93%) for CRD.B is above the 3 year average (7.40%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 16.76% | ||
| ROIC | 7.93% |
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 2.18%. This is in the lower half of the industry: CRD.B underperforms 76.71% of its industry peers.
In the last couple of years the Profit Margin of CRD.B has grown nicely.
The Operating Margin of CRD.B (4.71%) is worse than 76.03% of its industry peers.
CRD.B's Operating Margin has declined in the last couple of years.
CRD.B has a Gross Margin of 27.72%. This is amongst the best in the industry. CRD.B outperforms 89.73% 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 | 4.71% | ||
| PM (TTM) | 2.18% | ||
| GM | 27.72% |
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.
The number of shares outstanding for CRD.B has been increased compared to 1 year ago.
The number of shares outstanding for CRD.B has been reduced compared to 5 years ago.
CRD.B has a worse debt/assets ratio than last year.
2.2 Solvency
CRD.B has an Altman-Z score of 3.00. This indicates that CRD.B is financially healthy and has little risk of bankruptcy at the moment.
CRD.B's Altman-Z score of 3.00 is amongst the best of the industry. CRD.B outperforms 93.15% of its industry peers.
The Debt to FCF ratio of CRD.B is 5.74, which is a neutral value as it means it would take CRD.B, 5.74 years of fcf income to pay off all of its debts.
CRD.B's Debt to FCF ratio of 5.74 is on the low side compared to the rest of the industry. CRD.B is outperformed by 60.27% of its industry peers.
CRD.B has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
CRD.B has a Debt to Equity ratio of 1.15. This is amonst the worse of the industry: CRD.B underperforms 88.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 3 |
ROIC/WACC1.01
WACC7.86%
2.3 Liquidity
CRD.B has a Current Ratio of 1.34. This is a normal value and indicates that CRD.B is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Current ratio value of 1.34, CRD.B belongs to the best of the industry, outperforming 83.56% of the companies in the same industry.
CRD.B has a Quick Ratio of 1.34. 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 (1.34) than 83.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
CRD.B shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.33%.
The Earnings Per Share has been growing slightly by 4.30% on average over the past years.
Looking at the last year, CRD.B shows a small growth in Revenue. The Revenue has grown by 4.66% in the last 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)6.33%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%-12%
Revenue 1Y (TTM)4.66%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%2.79%
3.2 Future
CRD.B is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.84% yearly.
CRD.B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.59% yearly.
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 11.80 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.
When comparing the Price/Earnings ratio of CRD.B to the average of the S&P500 Index (27.86), we can say CRD.B is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.59, the valuation of CRD.B can be described as very reasonable.
CRD.B's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CRD.B is cheaper than 67.81% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.29. CRD.B is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.8 | ||
| Fwd PE | 8.59 |
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 69.86% 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 | 12.53 | ||
| EV/EBITDA | 6.42 |
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.B has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as CRD.B's earnings are expected to grow with 20.84% in the coming years.
PEG (NY)0.42
PEG (5Y)2.74
EPS Next 2Y20.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.94%, CRD.B has a reasonable but not impressive dividend return.
CRD.B's Dividend Yield is a higher than the industry average which is at 3.60.
Compared to an average S&P500 Dividend Yield of 2.41, CRD.B pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.94% |
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 46.53% 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.
DP46.53%
EPS Next 2Y20.84%
EPS Next 3YN/A
NYSE:CRD.B (10/3/2025, 4:04:06 PM)
9.91
+0.15 (+1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.61%
Inst Owner Change0.17%
Ins Owners67.98%
Ins Owner ChangeN/A
Market Cap491.93M
Analysts87.27
Price Target14.28 (44.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.94% |
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP46.53%
Div Incr Years2
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.44%
Min EPS beat(2)-12.82%
Max EPS beat(2)1.94%
EPS beat(4)1
Avg EPS beat(4)-9.11%
Min EPS beat(4)-19.8%
Max EPS beat(4)1.94%
EPS beat(8)3
Avg EPS beat(8)-9.99%
EPS beat(12)6
Avg EPS beat(12)-0.96%
EPS beat(16)7
Avg EPS beat(16)-6.07%
Revenue beat(2)0
Avg Revenue beat(2)-6.51%
Min Revenue beat(2)-7.4%
Max Revenue beat(2)-5.63%
Revenue beat(4)1
Avg Revenue beat(4)-3.91%
Min Revenue beat(4)-7.4%
Max Revenue beat(4)1.78%
Revenue beat(8)1
Avg Revenue beat(8)-4.6%
Revenue beat(12)2
Avg Revenue beat(12)-3.54%
Revenue beat(16)4
Avg Revenue beat(16)-2.04%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.8 | ||
| Fwd PE | 8.59 | ||
| P/S | 0.36 | ||
| P/FCF | 12.53 | ||
| P/OCF | 6.08 | ||
| P/B | 2.78 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.42 |
EPS(TTM)0.84
EY8.48%
EPS(NY)1.15
Fwd EY11.64%
FCF(TTM)0.79
FCFY7.98%
OCF(TTM)1.63
OCFY16.46%
SpS27.38
BVpS3.56
TBVpS-1.77
PEG (NY)0.42
PEG (5Y)2.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 16.76% | ||
| ROCE | 12.35% | ||
| ROIC | 7.93% | ||
| ROICexc | 8.94% | ||
| ROICexgc | 21.07% | ||
| OM | 4.71% | ||
| PM (TTM) | 2.18% | ||
| GM | 27.72% | ||
| FCFM | 2.89% |
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%
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 Turnover1.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2 | ||
| Cap/Depr | 111.13% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 79.75% | ||
| Profit Quality | 132.48% | ||
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 | ||
| Altman-Z | 3 |
F-Score7
WACC7.86%
ROIC/WACC1.01
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)6.33%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%-12%
EPS Next Y28.21%
EPS Next 2Y20.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.66%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%2.79%
Revenue Next Year5.9%
Revenue Next 2Y5.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y25.98%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year70.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y27.93%
FCF growth 3Y-24.71%
FCF growth 5Y-28.7%
OCF growth 1Y19.84%
OCF growth 3Y-1.69%
OCF growth 5Y-7.25%