CRAWFORD & CO -CL B (CRD.B) Stock Fundamental Analysis
USA - NYSE:CRD.B - US2246331076 - Common Stock
10.13 USD
-0.11 (-1.07%)
Overall CRD.B gets a fundamental rating of 6 out of 10. We evaluated CRD.B against 146 industry peers in the Insurance industry. CRD.B has only an average score on both its financial health and profitability. CRD.B may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make CRD.B a good candidate for value investing.
1. Profitability
1.1 Basic Checks
CRD.B had positive earnings in the past year.
CRD.B had a positive operating cash flow in the past year.
CRD.B had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CRD.B had a positive operating cash flow.
1.2 Ratios
CRD.B's Return On Assets of 3.71% is fine compared to the rest of the industry. CRD.B outperforms 74.66% of its industry peers.
CRD.B has a Return On Equity of 16.76%. This is in the better half of the industry: CRD.B outperforms 76.71% of its industry peers.
With an excellent Return On Invested Capital value of 7.93%, CRD.B belongs to the best of the industry, outperforming 93.15% of the companies in the same industry.
CRD.B had an Average Return On Invested Capital over the past 3 years of 7.40%. This is above the industry average of 4.53%.
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 worse Profit Margin (2.18%) than 78.08% 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 79.45% of its industry peers.
In the last couple of years the Operating Margin of CRD.B has declined.
The Gross Margin of CRD.B (27.72%) is better than 89.73% of its industry peers.
CRD.B's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CRD.B is creating some value.
Compared to 1 year ago, CRD.B has more shares outstanding
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 3.03. 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 (3.03) than 93.15% of its industry peers.
CRD.B has a debt to FCF ratio of 5.74. This is a neutral value as CRD.B would need 5.74 years to pay back of all of its debts.
CRD.B has a Debt to FCF ratio of 5.74. This is in the lower half of the industry: CRD.B underperforms 62.33% of its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that CRD.B has dependencies on debt financing.
CRD.B's Debt to Equity ratio of 1.15 is on the low side compared to the rest of the industry. CRD.B is outperformed by 87.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 3.03 |
ROIC/WACC1
WACC7.92%
2.3 Liquidity
A Current Ratio of 1.34 indicates that CRD.B should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.34, CRD.B belongs to the best of the industry, outperforming 84.25% 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 84.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 42.42% over the past year.
CRD.B shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.30% yearly.
CRD.B shows a small growth in Revenue. In the last year, the Revenue has grown by 1.83%.
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)1.83%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-2.19%
3.2 Future
Based on estimates for the next years, CRD.B 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.B 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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.78, the valuation of CRD.B can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as CRD.B.
When comparing the Price/Earnings ratio of CRD.B to the average of the S&P500 Index (25.67), we can say CRD.B is valued rather cheaply.
A Price/Forward Earnings ratio of 8.78 indicates a reasonable valuation of CRD.B.
Based on the Price/Forward Earnings ratio, CRD.B is valued a bit cheaper than the industry average as 63.01% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CRD.B to the average of the S&P500 Index (31.86), we can say CRD.B is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 8.78 |
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 ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.81 | ||
| EV/EBITDA | 6.65 |
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 20.84% in the coming years.
PEG (NY)0.38
PEG (5Y)2.51
EPS Next 2Y20.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.93%, 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 3.25.
CRD.B's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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.
The dividend of CRD.B is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.53%
EPS Next 2Y20.84%
EPS Next 3YN/A
NYSE:CRD.B (11/6/2025, 8:04:00 PM)
10.13
-0.11 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.61%
Inst Owner Change-0.65%
Ins Owners67.98%
Ins Owner ChangeN/A
Market Cap502.85M
Revenue(TTM)1.34B
Net Income(TTM)29.64M
Analysts87.27
Price Target14.28 (40.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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)-1.15%
EPS NQ rev (3m)-2.82%
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 | 10.78 | ||
| Fwd PE | 8.78 | ||
| P/S | 0.37 | ||
| P/FCF | 12.81 | ||
| P/OCF | 6.21 | ||
| P/B | 2.84 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.65 |
EPS(TTM)0.94
EY9.28%
EPS(NY)1.15
Fwd EY11.39%
FCF(TTM)0.79
FCFY7.81%
OCF(TTM)1.63
OCFY16.1%
SpS27.38
BVpS3.56
TBVpS-1.77
PEG (NY)0.38
PEG (5Y)2.51
Graham Number8.68
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%
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-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 | 3.03 |
F-Score7
WACC7.92%
ROIC/WACC1
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)1.83%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-2.19%
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%
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 7 / 10 to CRAWFORD & CO -CL B (CRD.B). This can be considered as Undervalued.
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 10.78 and the Price/Book (PB) ratio is 2.84.
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.