CRAWFORD & CO -CL B (CRD.B) Stock Fundamental Analysis
NYSE:CRD.B - US2246331076 - Common Stock
10.5 USD
-0.04 (-0.38%)
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 an average financial health and profitability rating. 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.
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
CRD.B has a Return On Assets of 3.71%. This is in the better half 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 78.08% of its industry peers.
CRD.B's Return On Invested Capital of 7.93% is amongst the best of the industry. CRD.B outperforms 93.84% of its industry peers.
CRD.B had an Average Return On Invested Capital over the past 3 years of 7.40%. This is above the industry average of 4.46%.
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.
CRD.B's Profit Margin has improved in the last couple of years.
CRD.B's Operating Margin of 4.71% is on the low side compared to the rest of the industry. CRD.B is outperformed by 76.03% of its industry peers.
In the last couple of years the Operating Margin of CRD.B has declined.
CRD.B has a better Gross Margin (27.72%) than 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 below the Cost of Capital (WACC), which means it is destroying 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.
Compared to 1 year ago, CRD.B has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.04 indicates that CRD.B is not in any danger for bankruptcy at the moment.
CRD.B has a better Altman-Z score (3.04) than 94.52% 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.
Looking at the Debt to Equity ratio, with a value of 1.15, CRD.B is doing worse than 88.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 3.04 |
ROIC/WACC0.99
WACC7.98%
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.
Looking at the Current ratio, with a value of 1.34, CRD.B belongs to the top of the industry, outperforming 83.56% of the companies in the same industry.
A Quick Ratio of 1.34 indicates that CRD.B should not have too much problems paying its short term obligations.
CRD.B's Quick ratio of 1.34 is amongst the best of the industry. CRD.B outperforms 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%.
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 4.66% in the past year.
The Revenue has been growing slightly by 5.06% on average over the past years.
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
The Earnings Per Share is expected to grow by 20.84% on average over the next years. This is a very strong growth
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
With a Price/Earnings ratio of 12.50, CRD.B is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CRD.B is on the same level as its industry peers.
CRD.B's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.84.
CRD.B is valuated reasonably with a Price/Forward Earnings ratio of 9.10.
Based on the Price/Forward Earnings ratio, CRD.B is valued a bit cheaper than 63.01% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.48. CRD.B is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 9.1 |
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 65.75% 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 | 13.27 | ||
| EV/EBITDA | 6.8 |
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 20.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)2.91
EPS Next 2Y20.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.84%, 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 3.24.
CRD.B's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
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 (9/4/2025, 12:09:28 PM)
10.5
-0.04 (-0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.63%
Inst Owner Change0.16%
Ins Owners67.98%
Ins Owner ChangeN/A
Market Cap521.22M
Analysts87.27
Price Target14.28 (36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
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)-1.69%
EPS NQ rev (3m)-4.92%
EPS NY rev (1m)-3.28%
EPS NY rev (3m)-3.28%
Revenue NQ rev (1m)-1.03%
Revenue NQ rev (3m)-1.21%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 9.1 | ||
| P/S | 0.38 | ||
| P/FCF | 13.27 | ||
| P/OCF | 6.44 | ||
| P/B | 2.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.8 |
EPS(TTM)0.84
EY8%
EPS(NY)1.15
Fwd EY10.99%
FCF(TTM)0.79
FCFY7.53%
OCF(TTM)1.63
OCFY15.53%
SpS27.38
BVpS3.56
TBVpS-1.77
PEG (NY)0.44
PEG (5Y)2.91
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 | 3.04 |
F-Score7
WACC7.98%
ROIC/WACC0.99
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 Year71.64%
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%